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- Balance transfer credit card
Balance transfer credit card
Looking to consolidate your credit card debt? Our 0% balance transfer credit card could help you save money on interest and take control of your finances, even if you have a poor credit score.
0% interest on balance transfers for 6 months
3% balance transfer fee (or £3, whichever is higher)
Quick online application with a decision in seconds
Representative 39.9% APR (variable) on purchases
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 39.9% (variable), representative 39.9% APR (variable).
How to transfer your balance with Zable
Check your eligibility
Get an instant decision without affecting your credit score
Complete your application
Our easy online application takes just minutes to complete, with a decision in seconds.
Transfer your balance
Once approved, log into the Zable app, select 'Balance Transfer', and enter your existing card details. Choose how much to transfer, up to your available credit limit. A 3% transfer fee (or £3, whichever is higher) applies.
Start saving
Track your balance in real-time, set up automatic payments, and get instant spending notifications.
When should you transfer credit card balance?
0% balance transfer credit cards can be a smart choice if you want to save money on credit card interest and pay off debt faster. You may want to consider a balance transfer if:
1. You have high-interest credit card debt
If you’re paying a high interest rate on your current card(s), a balance transfer to a card with a 0% introductory rate can save you a lot in interest.
2. You can pay off most or all of your debt during the promotional period
Balance transfers work best if you can pay off most or all of your transferred balance during the 0% interest period. After that, the purchase interest rate kicks in and you may not save as much.
3. You want to simplify your finances
You may have balances on a few different credit cards. Moving onto one card would enable you to consolidate your debts and manage them with single repayments.
For more information, read our guide on what balance transfers are.
Benefits of choosing Zable for your balance transfer
Options available for lower credit scores
Get a fresh start with a card designed for a range of credit histories
Improve your credit score
Make on-time payments and stay within your limit to build your credit rating
Track progress
Monitor your balance and savings through our app
Flexible payments
Choose payment dates that suit you
Instant access
Start using your card immediately with Apple Pay or Google Pay, subject to eligibility
Tips for managing your Zable balance transfer credit card
Repay at least the monthly minimum
Pay at least your monthly minimum, but if you can afford to do so, we recommend paying your total balance divided by six each month. For example, if you have a £600 balance, pay £100 each month. This enables you to clear your balance without paying any interest.
Resist the temptation to spend
Because the balance transfer credit card has no interest for six months, it can be tempting to spend and accrue more debt. However, the 0% period only applies to the transferred balance, not to new purchases. Remember, the aim of a balance transfer credit card is to help you to clear your debt more quickly.
Keep on top of other debts
If you have higher interest debts elsewhere, don’t neglect these. Consider whether you need to lower your balance transfer payments (still paying at least the minimum) in order to overpay on your highest APR debt.
What fees are associated with the balance transfer credit card?
There are two fees to be aware of with Zable balance transfer credit cards: The transfer fee and interest rate.
With Zable, the transfer fee is £3 or 3% of the total balance being transferred - whichever is higher. So a £90 balance transfer would carry a £3 fee (as 3% of £90 is £2.70), whereas a £900 balance transfer would carry a £27 fee (as 3% of £900 is £27, or more than £3).
The interest rate is 0% for six months. After that point, any remaining balance will accrue interest at the variable purchase rate.
Do credit card balance transfers affect your credit score?
A credit card balance transfer can have a positive effect on your credit score if used responsibly. Paying down your debt during the 0% period reduces your credit utilisation and builds a positive payment history, both of which can improve your score over time.
Completing a full application does involve a hard credit check, which may cause a small, short-term dip, but the impact is typically minor and short-lived. With Zable, you can check if you’ll be accepted without affecting your credit score. We won’t perform a hard search until you accept a quote.
Read our full guide on how a balance transfer affects your credit score.
“A balance transfer credit card can help your credit score in the long run if you use the interest free period to pay down your balance faster. The dip in your score from the credit check to get the card is usually minor and temporary if you then pay down your balance which also reduces your utilisation.”
Chris Meurice - 6 years working at Zable
FAQs about balance transfer credit cards
Ready to start saving?
Check your eligibility now without affecting your credit score. Apply online today.
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