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Low Rate Credit Card UK Balance Transfer 0% Apr

You can view information about each low rate credit card UK balance transfer offer and apply online or fill in some quick details to compare them all.

Choosing UK Credit Cards with low rate balance transfers

Transfer your credit card balance, or balances, to a low rate card can save you money.

There are fewer and fewer super-low teaser rates for balance transfers, but there are low fixed rates offered for balance transfers (that's the card company's way of getting you to bring your balance and stay).

If you do not transfer to a fixed rate (or even if you do because fixed doesn't mean fixed forever) there are three figures of prime importance, the rate you are getting, how long it lasts and what it changes to when that rate is over. With a fixed rate you may not know when it will change, but there will at least be a guaranteed period before it can change.

Some questions you may need to ask:

Does either company charge a fee for moving the balance?
Is that fee a flat sum or a percentage?
Does your old card company charge you another fee for terminating your account?
What fees and rates does the new company charge for new customers for new purchases?
Will both card companies notify you when the transfer is done?
Under what circumstances can the new company change the introductory rate it gives you for your balance transfer?

There may also be different rates for purchases you make with your new card. For example you may transfer with no interest for three months on your transferred balance and any new purchases. Then for three months you may have different, but not too bad, rates for what's left of the balance but a higher rate for new purchases In the third and sometimes fourth tiers both rates could rise to the point where you don't have a good deal any more.

So make sure you know how you intend to pay off your transferred debt.

If you are sure you can pay it off during that low rate interest period it may be a good deal. If you're not sure, think again. If you know it won't happen, go to your calculator and work on different scenarios. You may find that if you haven't paid off enough of the transferred balance in, say a year, you're actually moving into a worse deal.

Some card company's limit how much you can transfer or how many times you can transfer a balance. Make sure you use your calculator because the more complex the transfer arrangements the more chances the movement might not be as beneficial as your at first thought.

One thing is surprisingly commonly overlooked in balance transfers is are there fees? Not only might the new card company charge you, but your old one might charge you a fee for the transfer and even a penalty fee for closing the account. They may also charge you more money to manage any money you leave behind with them if you don't transfer your total balance. Check it out, be sure!

Also be clear just how long the whole process will take, when you stop paying on the old card and start paying on the new. You don't want to find you're paying for a balance in two places at the same time, however briefly.

Make very sure too that you know under what circumstances your new card company can change the rate your transfer is being charged. Sometimes a late payment, or maybe some other obscure transgression, will automatically end your deal and bounce you into a high rate. Know every circumstance under which they can do this.

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