The best money transfer cards - Times Money Mentor

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https://www.thetimes.com/money-mentor/wp-content/uploads/2022/06/GettyImages-1447705151.jpg?quality=75&strip=all&w=1900&w=768 768w, https://www.thetimes.com/money-mentor/wp-content/uploads/2022/06/GettyImages-1447705151.jpg?quality=75&strip=all&w=1900&w=600 600w, https://www.thetimes.com/money-mentor/wp-content/uploads/2022/06/GettyImages-1447705151.jpg?quality=75&strip=all&w=1900&w=800 800w" imagesizes="(max-width: 800px) 100vw, 800px"> <link rel="stylesheet" href="https://www.thetimes.com/money-mentor/wp-content/themes/money-mentor/dist/article.css?v=1.12.86"> <link rel='dns-prefetch' href='//tags.tiqcdn.com' /> <link rel='dns-prefetch' href='//www.google-analytics.com' /> <script type="text/javascript" data-jetpack-boost="ignore"> "use 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width="52" height="52" viewBox="0 0 52 52" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M32 30.08C31.24 30.08 30.56 30.38 30.04 30.85L22.91 26.7C22.96 26.47 23 26.24 23 26C23 25.76 22.96 25.53 22.91 25.3L29.96 21.19C30.5 21.69 31.21 22 32 22C33.66 22 35 20.66 35 19C35 17.34 33.66 16 32 16C30.34 16 29 17.34 29 19C29 19.24 29.04 19.47 29.09 19.7L22.04 23.81C21.5 23.31 20.79 23 20 23C18.34 23 17 24.34 17 26C17 27.66 18.34 29 20 29C20.79 29 21.5 28.69 22.04 28.19L29.16 32.35C29.11 32.56 29.08 32.78 29.08 33C29.08 34.61 30.39 35.92 32 35.92C33.61 35.92 34.92 34.61 34.92 33C34.92 31.39 33.61 30.08 32 30.08Z" fill="#078CD0"/> <path d="M26 49C13.2975 49 3 38.7025 3 26H1C1 39.8071 12.1929 51 26 51V49ZM49 26C49 38.7025 38.7025 49 26 49V51C39.8071 51 51 39.8071 51 26H49ZM26 3C38.7025 3 49 13.2975 49 26H51C51 12.1929 39.8071 1 26 1V3ZM26 1C12.1929 1 1 12.1929 1 26H3C3 13.2975 13.2975 3 26 3V1Z" fill="#078CD0"/> </svg> </button> <span class="c-iconDesc__desc js-native-share-result">Share</span> </div> </div> </div> </div> </div> </div> <div class="col w-12/12 sm:w-full md:w-10/12 lg:w-8/12"> <div class="s-reArticleMain__image"> <div class="s-reArticleMain__image_placeholder"> <img src="https://www.thetimes.com/money-mentor/wp-content/uploads/2022/06/GettyImages-1447705151.jpg?quality=75&strip=all&w=1900&w=1200" srcset="https://www.thetimes.com/money-mentor/wp-content/uploads/2022/06/GettyImages-1447705151.jpg?quality=75&strip=all&w=1900&w=300 300w, https://www.thetimes.com/money-mentor/wp-content/uploads/2022/06/GettyImages-1447705151.jpg?quality=75&strip=all&w=1900&w=768 768w, https://www.thetimes.com/money-mentor/wp-content/uploads/2022/06/GettyImages-1447705151.jpg?quality=75&strip=all&w=1900&w=600 600w, https://www.thetimes.com/money-mentor/wp-content/uploads/2022/06/GettyImages-1447705151.jpg?quality=75&strip=all&w=1900&w=800 800w" sizes='(max-width: 800px) 100vw, 800px' class="c-articleHeader__imgContainer_img wp-post-image" alt="Best money transfer cards" fetchpriority="high"> </div> </div> <div class="s-reArticleMain__richText js-articleRichText c-v3-richText js-ads-article"> <p><strong>Money transfer credit cards allow you to borrow a lump sum and have it deposited directly into your bank account.</strong></p> <p>They can be a useful way of getting hold of cash to pay down non-<a href="https://www.thetimes.com/money-mentor/loans-credit-cards/credit-cards/">credit card</a> debts – or a cost-effective way to borrow if you need to pay for something in cash.</p> <p>In this guide, we will cover:</p> <ul> <li><a href="#Why-use-a-money-transfer-card?">Why use a money transfer card?</a></li> <li><a href="#How-do-money-transfer-cards-work?" data-type="internal" data-id="#How-do-money-transfer-cards-work?">How do money transfer cards work?</a></li> <li><a href="#Best-money-transfer-cards" data-type="internal" data-id="#Best-money-transfer-cards">Best money transfer cards</a></li> </ul> <p><strong>Read more:</strong> <a href="https://www.thetimes.com/money-mentor/article/best-reward-credit-cards/">Best rewards credit cards</a></p> <h2 class="wp-block-heading" id="Why-use-a-money-transfer-card?"><strong>Why use a money transfer card</strong>?</h2> <p>You can pay for most purchases on a credit card. So if you are gearing up for a one-off, expensive outlay, taking out a <a href="https://www.thetimes.com/money-mentor/article/best-purchase-credit-cards/">0% purchases card</a> may be the best option. There are usually no fees for opening the account, and the best cards have interest-free periods of up to two years.</p> <p>But if you are looking to buy something that can only be paid for in cash, using a money transfer card may be a cost-effective option.</p> <p>It’s worth adding that in most cases you should avoid making large purchases in cash – as you don’t get the <a href="https://www.thetimes.com/money-mentor/article/consumer-rights/#:~:text=or%20credit%20card.-,Section%2075,%C2%A3100.01%20and%20%C2%A330%2C000.">protections</a> that come with paying by card. However, it’s not uncommon for tradespeople to not accept cards, and some established businesses will be willing to give you a discount if you pay in cash.</p> <p>The other useful purpose for money transfer cards is paying down other debt free of interest.</p> <p>If you have credit card balances that you want to consolidate, you should look at <a href="https://www.thetimes.com/money-mentor/article/best-balance-transfer-credit-cards/">0% balance-transfer credit cards</a>. But if you need to pay down an overdraft or a personal loan, the only way to borrow for this through a credit card is by using a money transfer.</p> <p>There are a relatively small number of 0% money transfer cards on offer, with interest-free periods of up to 12 months.</p> <p>Beware that all these cards will charge a fee, typically up to 4% of the amount you want to transfer.</p> <p><strong>Read more: </strong><a href="https://www.thetimes.com/money-mentor/article/best-balance-transfer-credit-cards/">Best balance transfer credit cards</a></p> <h2 class="wp-block-heading" id="How-do-money-transfer-cards-work?"><strong>How do money transfer cards work</strong>?</h2> <p>Once you have been approved for a money transfer card, the cash should be wired to your account in a matter of hours – and sometimes minutes.</p> <p>Although 0% cards give you up to 18 months with no interest to pay, a fee of up to 4% will be added to your balance. And you will need to keep up minimum monthly payments over the course of the interest-free period.</p> <p>It makes sense to set up a direct debit so you don’t forget to make these payments. If you miss one, some card providers will remove your 0% offer immediately and start charging you interest at the full rate.</p> <p>If you haven’t paid off what you owe by the end of the 0% period, you should consider a balance transfer to another 0% card.</p> <p>You could end up paying <a href="https://www.thetimes.com/money-mentor/article/interest-rates-rise-uk-news-means/">high interest</a> on the remaining balance if you miss this. </p> <p>It’s important not to confuse money transfers with cash withdrawals. While making a transfer can be a relatively cost-effective way to borrow cash, the opposite is true if you take out a credit card and use it to get cash at an ATM.</p> <p>Card providers generally charge interest on cash withdrawals from the moment the money leaves the machine – unlike purchases made on the card, which get up to 56 days interest-free. Most card providers also charge a cash-withdrawal fee as well.</p> <p><strong>Read more: </strong><a href="https://www.thetimes.com/money-mentor/article/best-credit-cards-abroad/">Best travel cards, debit and credit cards to use abroad</a></p> <h2 class="wp-block-heading" id="Best-money-transfer-cards"><strong>The best money transfer cards</strong></h2> <p>Looking for a money transfer card? Our editors have picked some of the best on the market below:</p>   <section class="s-nk-productBoxes js-advertColider-target js-product-boxes-wrapper"> <div class="s-nk-productBoxes__container">   <div class="c-nk-productBox " data-product-id="320554" data-product-type-id="1050" data-product-subtype-id="5" data-product-type-name="Money transfers cards"> <header class="c-nk-productBox__header">  <figure class="c-nk-productBox__header_image c-nk-productBox__header_image--rect"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-block-logo-cta js-defaqto-cta " data-provider="Virgin Money" rel="sponsored noopener" target="_blank"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/02/igd-Virgin-Money-credit-card.png?quality=75&strip=all&w=192" alt="Virgin Money" loading="lazy"> </a> </figure>   <div class="c-nk-productBox__header_intro">    <h3 class="c-nk-productBox__header_title"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta " data-provider="Virgin Money" target="_blank" rel="sponsored noopener"> Virgin Money – Balance Transfer Credit Card (18 Mths) (24.9%)</a> </h3>    </div>   <div class="c-nk-productBox__disclaimer ">Representative Example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).</div>   <div class="c-nk-productBox__description js-inlineContentExpander">  <div class="c-nk-productBox__shortDesc js-inlineContentShortDesc js-defaqto-transactional-block-data-wrapper__description"> Virgin Money’s balance transfer card comes with a 12-month money transfer facility on top.<br><br>This lets you transfer up to 95% of your card’s credit limit into a nominated current account – for…   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read more</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M16.59 8.29492L12 12.8749L7.41 8.29492L6 9.70492L12 15.7049L18 9.70492L16.59 8.29492Z" fill="#078CD0"></path> </svg> </button> </div>   <div class="c-nk-productBox__longDesc js-inlineContentLongDesc js-defaqto-transactional-block-data-wrapper__description"> Virgin Money’s balance transfer card comes with a 12-month money transfer facility on top.<br><br>This lets you transfer up to 95% of your card’s credit limit into a nominated current account – for a 4% fee. <br><br>You’ll pay no interest on the transferred money for 12 months, and can spend it on anything you like. After the interest-free period expires, interest charged on money transfers rises to 26.9% AER.<br><br>It’s only available for people with a prime credit record.   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read less</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M7.41 15.7051L12 11.1251L16.59 15.7051L18 14.2951L12 8.29508L6 14.2951L7.41 15.7051Z" fill="#078CD0"></path> </svg> </button> </div>  </div>   <div class="c-nk-productBox__header_meta"> <ul class="c-nk-productBox__metaList">  <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Interest on Money Transfers: </span> <span class="c-nk-productBox__metaItem_value"> 0% for 12 months (with 4% fee) </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Interest on Balance Transfers: </span> <span class="c-nk-productBox__metaItem_value"> 0% for 18 months (with 1.75% fee) </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">APR: </span> <span class="c-nk-productBox__metaItem_value"> 24.9% </span> </div> </li>  </ul> </div>   <a class="c-nk-productBox__header_cta js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta" href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" data-provider="Virgin Money" target="_blank" rel="sponsored noopener"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewbox="0 0 16 16" fill="none"> <path fill-rule="evenodd" clip-rule="evenodd" d="M10.75 1C10.5511 1 10.3603 1.07902 10.2197 1.21967C10.079 1.36032 10 1.55109 10 1.75C10 1.94891 10.079 2.13968 10.2197 2.28033C10.3603 2.42098 10.5511 2.5 10.75 2.5H12.44L8.22 6.72C8.08752 6.86217 8.0154 7.05022 8.01882 7.24452C8.02225 7.43882 8.10097 7.62421 8.23838 7.76162C8.37579 7.89903 8.56118 7.97775 8.75548 7.98117C8.94978 7.9846 9.13783 7.91248 9.28 7.78L13.5 3.56V5.25C13.5 5.44891 13.579 5.63968 13.7197 5.78033C13.8603 5.92098 14.0511 6 14.25 6C14.4489 6 14.6397 5.92098 14.7803 5.78033C14.921 5.63968 15 5.44891 15 5.25V1H10.75ZM2.5 4V13C2.5 13.1326 2.55268 13.2598 2.64645 13.3536C2.74021 13.4473 2.86739 13.5 3 13.5H12C12.1326 13.5 12.2598 13.4473 12.3536 13.3536C12.4473 13.2598 12.5 13.1326 12.5 13V8.75C12.5 8.55109 12.579 8.36032 12.7197 8.21967C12.8603 8.07902 13.0511 8 13.25 8C13.4489 8 13.6397 8.07902 13.7803 8.21967C13.921 8.36032 14 8.55109 14 8.75V13C14 13.5304 13.7893 14.0391 13.4142 14.4142C13.0391 14.7893 12.5304 15 12 15H3C2.46957 15 1.96086 14.7893 1.58579 14.4142C1.21071 14.0391 1 13.5304 1 13V4C1 3.46957 1.21071 2.96086 1.58579 2.58579C1.96086 2.21071 2.46957 2 3 2H7.25C7.44891 2 7.63968 2.07902 7.78033 2.21967C7.92098 2.36032 8 2.55109 8 2.75C8 2.94891 7.92098 3.13968 7.78033 3.28033C7.63968 3.42098 7.44891 3.5 7.25 3.5H3C2.86739 3.5 2.74021 3.55268 2.64645 3.64645C2.55268 3.74021 2.5 3.86739 2.5 4Z" fill="white"></path> </svg> <span data-provider="Virgin Money">Compare credit cards</span> </a>   <button class="c-nk-productBox__header_compare c-nk-productBox__compareBtn js-defaqto-compare-btn"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--unchecked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.099 3 20.999 3.9 20.999 5V19C20.999 20.1 20.099 21 18.999 21H4.99902C3.89902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.89902 3 4.99902 3ZM18.999 19V5H4.99902V19H18.999Z" fill="#333333"></path> </svg> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--checked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.109 3 20.999 3.9 20.999 5V19C20.999 20.1 20.109 21 18.999 21H4.99902C3.88902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.88902 3 4.99902 3ZM4.99902 12L9.99902 17L18.999 8L17.589 6.58L9.99902 14.17L6.40902 10.59L4.99902 12Z" fill="#333333"></path> </svg> <span class="c-nk-productBox__compareBtn_label">Compare</span> </button>  </header> </div>    <div class="c-nk-productBox " data-product-id="320085" data-product-type-id="1050" data-product-subtype-id="5" data-product-type-name="Money transfers cards"> <header class="c-nk-productBox__header">  <figure class="c-nk-productBox__header_image c-nk-productBox__header_image--rect"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-block-logo-cta js-defaqto-cta " data-provider="Virgin Money" rel="sponsored noopener" target="_blank"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/02/igd-Virgin-Money-credit-card.png?quality=75&strip=all&w=192" alt="Virgin Money" loading="lazy"> </a> </figure>   <div class="c-nk-productBox__header_intro">    <h3 class="c-nk-productBox__header_title"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta " data-provider="Virgin Money" target="_blank" rel="sponsored noopener"> Virgin Money – All Round Credit Card (16m) (24.9%)</a> </h3>    </div>   <div class="c-nk-productBox__disclaimer ">Representative Example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).</div>   <div class="c-nk-productBox__description js-inlineContentExpander">  <div class="c-nk-productBox__shortDesc js-inlineContentShortDesc js-defaqto-transactional-block-data-wrapper__description"> Virgin Money’s All Round Credit Card lets you transfer an existing credit card balance to it, spend money on it or transfer cash straight to your current account then pay no interest…   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read more</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M16.59 8.29492L12 12.8749L7.41 8.29492L6 9.70492L12 15.7049L18 9.70492L16.59 8.29492Z" fill="#078CD0"></path> </svg> </button> </div>   <div class="c-nk-productBox__longDesc js-inlineContentLongDesc js-defaqto-transactional-block-data-wrapper__description"> Virgin Money’s All Round Credit Card lets you transfer an existing credit card balance to it, spend money on it or transfer cash straight to your current account then pay no interest on the money for at least 12 months.<br><br>However, the length of time you’ll pay no interest and the fee for using the service changes depending on how you use it. Purchases have no interest charged for 13 months, balance transfers for 16 months and come with a 3% fee, while money transfers are only interest-free for 12 months (with a 4% fee).   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read less</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M7.41 15.7051L12 11.1251L16.59 15.7051L18 14.2951L12 8.29508L6 14.2951L7.41 15.7051Z" fill="#078CD0"></path> </svg> </button> </div>  </div>   <div class="c-nk-productBox__header_meta"> <ul class="c-nk-productBox__metaList">  <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Interest on Money Transfers: </span> <span class="c-nk-productBox__metaItem_value"> 0% for 12 months (with 4% fee) </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Interest on Balance Transfers: </span> <span class="c-nk-productBox__metaItem_value"> 0% for 16 months (with 3% fee) </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">APR: </span> <span class="c-nk-productBox__metaItem_value"> 24.9% </span> </div> </li>  </ul> </div>   <a class="c-nk-productBox__header_cta js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta" href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" data-provider="Virgin Money" target="_blank" rel="sponsored noopener"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewbox="0 0 16 16" fill="none"> <path fill-rule="evenodd" clip-rule="evenodd" d="M10.75 1C10.5511 1 10.3603 1.07902 10.2197 1.21967C10.079 1.36032 10 1.55109 10 1.75C10 1.94891 10.079 2.13968 10.2197 2.28033C10.3603 2.42098 10.5511 2.5 10.75 2.5H12.44L8.22 6.72C8.08752 6.86217 8.0154 7.05022 8.01882 7.24452C8.02225 7.43882 8.10097 7.62421 8.23838 7.76162C8.37579 7.89903 8.56118 7.97775 8.75548 7.98117C8.94978 7.9846 9.13783 7.91248 9.28 7.78L13.5 3.56V5.25C13.5 5.44891 13.579 5.63968 13.7197 5.78033C13.8603 5.92098 14.0511 6 14.25 6C14.4489 6 14.6397 5.92098 14.7803 5.78033C14.921 5.63968 15 5.44891 15 5.25V1H10.75ZM2.5 4V13C2.5 13.1326 2.55268 13.2598 2.64645 13.3536C2.74021 13.4473 2.86739 13.5 3 13.5H12C12.1326 13.5 12.2598 13.4473 12.3536 13.3536C12.4473 13.2598 12.5 13.1326 12.5 13V8.75C12.5 8.55109 12.579 8.36032 12.7197 8.21967C12.8603 8.07902 13.0511 8 13.25 8C13.4489 8 13.6397 8.07902 13.7803 8.21967C13.921 8.36032 14 8.55109 14 8.75V13C14 13.5304 13.7893 14.0391 13.4142 14.4142C13.0391 14.7893 12.5304 15 12 15H3C2.46957 15 1.96086 14.7893 1.58579 14.4142C1.21071 14.0391 1 13.5304 1 13V4C1 3.46957 1.21071 2.96086 1.58579 2.58579C1.96086 2.21071 2.46957 2 3 2H7.25C7.44891 2 7.63968 2.07902 7.78033 2.21967C7.92098 2.36032 8 2.55109 8 2.75C8 2.94891 7.92098 3.13968 7.78033 3.28033C7.63968 3.42098 7.44891 3.5 7.25 3.5H3C2.86739 3.5 2.74021 3.55268 2.64645 3.64645C2.55268 3.74021 2.5 3.86739 2.5 4Z" fill="white"></path> </svg> <span data-provider="Virgin Money">Compare credit cards</span> </a>   <button class="c-nk-productBox__header_compare c-nk-productBox__compareBtn js-defaqto-compare-btn"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--unchecked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.099 3 20.999 3.9 20.999 5V19C20.999 20.1 20.099 21 18.999 21H4.99902C3.89902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.89902 3 4.99902 3ZM18.999 19V5H4.99902V19H18.999Z" fill="#333333"></path> </svg> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--checked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.109 3 20.999 3.9 20.999 5V19C20.999 20.1 20.109 21 18.999 21H4.99902C3.88902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.88902 3 4.99902 3ZM4.99902 12L9.99902 17L18.999 8L17.589 6.58L9.99902 14.17L6.40902 10.59L4.99902 12Z" fill="#333333"></path> </svg> <span class="c-nk-productBox__compareBtn_label">Compare</span> </button>  </header> </div>    <div class="c-nk-productBox " data-product-id="320059" data-product-type-id="1050" data-product-subtype-id="5" data-product-type-name="Money transfers cards"> <header class="c-nk-productBox__header">  <figure class="c-nk-productBox__header_image c-nk-productBox__header_image--rect"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-block-logo-cta js-defaqto-cta " data-provider="Tesco Bank" rel="sponsored noopener" target="_blank"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/02/Tesco-clubcard-credit-card.png?quality=75&strip=all&w=192" alt="Tesco Bank" loading="lazy"> </a> </figure>   <div class="c-nk-productBox__header_intro">    <h3 class="c-nk-productBox__header_title"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta " data-provider="Tesco Bank" target="_blank" rel="sponsored noopener"> Tesco Bank – Balance Transfer Credit Card</a> </h3>    </div>   <div class="c-nk-productBox__disclaimer ">Representative Example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).</div>   <div class="c-nk-productBox__description js-inlineContentExpander">  <div class="c-nk-productBox__shortDesc js-inlineContentShortDesc js-defaqto-transactional-block-data-wrapper__description"> As well as one of the best balance transfer terms on the market, this card offers 9 months for a 0% money transfer too. It’s a card you might want to hold…   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read more</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M16.59 8.29492L12 12.8749L7.41 8.29492L6 9.70492L12 15.7049L18 9.70492L16.59 8.29492Z" fill="#078CD0"></path> </svg> </button> </div>   <div class="c-nk-productBox__longDesc js-inlineContentLongDesc js-defaqto-transactional-block-data-wrapper__description"> As well as one of the best balance transfer terms on the market, this card offers 9 months for a 0% money transfer too. It’s a card you might want to hold onto even after your money transfer is paid off though, because it also offers Clubcard points, the superstore’s reward currency, on all your spending.<br><br>Use the card at Tesco and you’ll earn four points for every four pounds spent while spending elsewhere earns four points for every pound spent. Clubcard points work out to £1 cashback for every 100 points, so an £80 shop will earn you 0.80p cashback.   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read less</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M7.41 15.7051L12 11.1251L16.59 15.7051L18 14.2951L12 8.29508L6 14.2951L7.41 15.7051Z" fill="#078CD0"></path> </svg> </button> </div>  </div>   <div class="c-nk-productBox__header_meta"> <ul class="c-nk-productBox__metaList">  <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Interest on Money Transfers: </span> <span class="c-nk-productBox__metaItem_value"> 0% for 9 months (with 3.99% fee) </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Interest on Balance Transfers: </span> <span class="c-nk-productBox__metaItem_value"> 0% for 30 months (with 2.95% fee) </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">APR: </span> <span class="c-nk-productBox__metaItem_value"> 24.9% </span> </div> </li>  </ul> </div>   <a class="c-nk-productBox__header_cta js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta" href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" data-provider="Tesco Bank" target="_blank" rel="sponsored noopener"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewbox="0 0 16 16" fill="none"> <path fill-rule="evenodd" clip-rule="evenodd" d="M10.75 1C10.5511 1 10.3603 1.07902 10.2197 1.21967C10.079 1.36032 10 1.55109 10 1.75C10 1.94891 10.079 2.13968 10.2197 2.28033C10.3603 2.42098 10.5511 2.5 10.75 2.5H12.44L8.22 6.72C8.08752 6.86217 8.0154 7.05022 8.01882 7.24452C8.02225 7.43882 8.10097 7.62421 8.23838 7.76162C8.37579 7.89903 8.56118 7.97775 8.75548 7.98117C8.94978 7.9846 9.13783 7.91248 9.28 7.78L13.5 3.56V5.25C13.5 5.44891 13.579 5.63968 13.7197 5.78033C13.8603 5.92098 14.0511 6 14.25 6C14.4489 6 14.6397 5.92098 14.7803 5.78033C14.921 5.63968 15 5.44891 15 5.25V1H10.75ZM2.5 4V13C2.5 13.1326 2.55268 13.2598 2.64645 13.3536C2.74021 13.4473 2.86739 13.5 3 13.5H12C12.1326 13.5 12.2598 13.4473 12.3536 13.3536C12.4473 13.2598 12.5 13.1326 12.5 13V8.75C12.5 8.55109 12.579 8.36032 12.7197 8.21967C12.8603 8.07902 13.0511 8 13.25 8C13.4489 8 13.6397 8.07902 13.7803 8.21967C13.921 8.36032 14 8.55109 14 8.75V13C14 13.5304 13.7893 14.0391 13.4142 14.4142C13.0391 14.7893 12.5304 15 12 15H3C2.46957 15 1.96086 14.7893 1.58579 14.4142C1.21071 14.0391 1 13.5304 1 13V4C1 3.46957 1.21071 2.96086 1.58579 2.58579C1.96086 2.21071 2.46957 2 3 2H7.25C7.44891 2 7.63968 2.07902 7.78033 2.21967C7.92098 2.36032 8 2.55109 8 2.75C8 2.94891 7.92098 3.13968 7.78033 3.28033C7.63968 3.42098 7.44891 3.5 7.25 3.5H3C2.86739 3.5 2.74021 3.55268 2.64645 3.64645C2.55268 3.74021 2.5 3.86739 2.5 4Z" fill="white"></path> </svg> <span data-provider="Tesco Bank">Compare credit cards</span> </a>   <button class="c-nk-productBox__header_compare c-nk-productBox__compareBtn js-defaqto-compare-btn"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--unchecked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.099 3 20.999 3.9 20.999 5V19C20.999 20.1 20.099 21 18.999 21H4.99902C3.89902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.89902 3 4.99902 3ZM18.999 19V5H4.99902V19H18.999Z" fill="#333333"></path> </svg> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--checked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.109 3 20.999 3.9 20.999 5V19C20.999 20.1 20.109 21 18.999 21H4.99902C3.88902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.88902 3 4.99902 3ZM4.99902 12L9.99902 17L18.999 8L17.589 6.58L9.99902 14.17L6.40902 10.59L4.99902 12Z" fill="#333333"></path> </svg> <span class="c-nk-productBox__compareBtn_label">Compare</span> </button>  </header> </div>    <div class="c-nk-productBox " data-product-id="320101" data-product-type-id="1050" data-product-subtype-id="5" data-product-type-name="Money transfers cards"> <header class="c-nk-productBox__header">  <figure class="c-nk-productBox__header_image c-nk-productBox__header_image--rect"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-block-logo-cta js-defaqto-cta " data-provider="Virgin Money" rel="sponsored noopener" target="_blank"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/02/igd-Virgin-Money-credit-card.png?quality=75&strip=all&w=192" alt="Virgin Money" loading="lazy"> </a> </figure>   <div class="c-nk-productBox__header_intro">    <h3 class="c-nk-productBox__header_title"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta " data-provider="Virgin Money" target="_blank" rel="sponsored noopener"> Virgin Money – Travel Credit Card (24.9%)</a> </h3>    </div>   <div class="c-nk-productBox__disclaimer ">Representative Example: Representative 24.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 24.9% p.a. (variable).</div>   <div class="c-nk-productBox__description js-inlineContentExpander">  <div class="c-nk-productBox__shortDesc js-inlineContentShortDesc js-defaqto-transactional-block-data-wrapper__description"> As well as a 9-month, 0% money-transfer deal (with a 4% fee), this card is free to use overseas – with no fees for purchases abroad. <br><br>It’s also got 9 months of…   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read more</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M16.59 8.29492L12 12.8749L7.41 8.29492L6 9.70492L12 15.7049L18 9.70492L16.59 8.29492Z" fill="#078CD0"></path> </svg> </button> </div>   <div class="c-nk-productBox__longDesc js-inlineContentLongDesc js-defaqto-transactional-block-data-wrapper__description"> As well as a 9-month, 0% money-transfer deal (with a 4% fee), this card is free to use overseas – with no fees for purchases abroad. <br><br>It’s also got 9 months of 0% on balance transfers (with a 2% fee) and new purchases. <br><br>Just be aware you need to make your money transfer in the first 60 days or the money transfer fee rises to 5%.   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read less</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M7.41 15.7051L12 11.1251L16.59 15.7051L18 14.2951L12 8.29508L6 14.2951L7.41 15.7051Z" fill="#078CD0"></path> </svg> </button> </div>  </div>   <div class="c-nk-productBox__header_meta"> <ul class="c-nk-productBox__metaList">  <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Interest on Money Transfers: </span> <span class="c-nk-productBox__metaItem_value"> 0% for 9 months (with 4% fee) </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Interest on Balance Transfers: </span> <span class="c-nk-productBox__metaItem_value"> 0% for 9 months (with 2% fee) </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">APR: </span> <span class="c-nk-productBox__metaItem_value"> 24.9% </span> </div> </li>  </ul> </div>   <a class="c-nk-productBox__header_cta js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta" href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" data-provider="Virgin Money" target="_blank" rel="sponsored noopener"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewbox="0 0 16 16" fill="none"> <path fill-rule="evenodd" clip-rule="evenodd" d="M10.75 1C10.5511 1 10.3603 1.07902 10.2197 1.21967C10.079 1.36032 10 1.55109 10 1.75C10 1.94891 10.079 2.13968 10.2197 2.28033C10.3603 2.42098 10.5511 2.5 10.75 2.5H12.44L8.22 6.72C8.08752 6.86217 8.0154 7.05022 8.01882 7.24452C8.02225 7.43882 8.10097 7.62421 8.23838 7.76162C8.37579 7.89903 8.56118 7.97775 8.75548 7.98117C8.94978 7.9846 9.13783 7.91248 9.28 7.78L13.5 3.56V5.25C13.5 5.44891 13.579 5.63968 13.7197 5.78033C13.8603 5.92098 14.0511 6 14.25 6C14.4489 6 14.6397 5.92098 14.7803 5.78033C14.921 5.63968 15 5.44891 15 5.25V1H10.75ZM2.5 4V13C2.5 13.1326 2.55268 13.2598 2.64645 13.3536C2.74021 13.4473 2.86739 13.5 3 13.5H12C12.1326 13.5 12.2598 13.4473 12.3536 13.3536C12.4473 13.2598 12.5 13.1326 12.5 13V8.75C12.5 8.55109 12.579 8.36032 12.7197 8.21967C12.8603 8.07902 13.0511 8 13.25 8C13.4489 8 13.6397 8.07902 13.7803 8.21967C13.921 8.36032 14 8.55109 14 8.75V13C14 13.5304 13.7893 14.0391 13.4142 14.4142C13.0391 14.7893 12.5304 15 12 15H3C2.46957 15 1.96086 14.7893 1.58579 14.4142C1.21071 14.0391 1 13.5304 1 13V4C1 3.46957 1.21071 2.96086 1.58579 2.58579C1.96086 2.21071 2.46957 2 3 2H7.25C7.44891 2 7.63968 2.07902 7.78033 2.21967C7.92098 2.36032 8 2.55109 8 2.75C8 2.94891 7.92098 3.13968 7.78033 3.28033C7.63968 3.42098 7.44891 3.5 7.25 3.5H3C2.86739 3.5 2.74021 3.55268 2.64645 3.64645C2.55268 3.74021 2.5 3.86739 2.5 4Z" fill="white"></path> </svg> <span data-provider="Virgin Money">Compare credit cards</span> </a>   <button class="c-nk-productBox__header_compare c-nk-productBox__compareBtn js-defaqto-compare-btn"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--unchecked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.099 3 20.999 3.9 20.999 5V19C20.999 20.1 20.099 21 18.999 21H4.99902C3.89902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.89902 3 4.99902 3ZM18.999 19V5H4.99902V19H18.999Z" fill="#333333"></path> </svg> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--checked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.109 3 20.999 3.9 20.999 5V19C20.999 20.1 20.109 21 18.999 21H4.99902C3.88902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.88902 3 4.99902 3ZM4.99902 12L9.99902 17L18.999 8L17.589 6.58L9.99902 14.17L6.40902 10.59L4.99902 12Z" fill="#333333"></path> </svg> <span class="c-nk-productBox__compareBtn_label">Compare</span> </button>  </header> </div>    <div class="c-nk-productBox " data-product-id="320079" data-product-type-id="1050" data-product-subtype-id="5" data-product-type-name="Money transfers cards"> <header class="c-nk-productBox__header">  <figure class="c-nk-productBox__header_image c-nk-productBox__header_image--rect"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-block-logo-cta js-defaqto-cta " data-provider="Virgin Atlantic" rel="sponsored noopener" target="_blank"> <img decoding="async" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/02/image-27-1.png?quality=75&strip=all&w=192" alt="Virgin Atlantic" loading="lazy"> </a> </figure>   <div class="c-nk-productBox__header_intro">    <h3 class="c-nk-productBox__header_title"> <a href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" class=" js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta " data-provider="Virgin Atlantic" target="_blank" rel="sponsored noopener"> Virgin Atlantic – Reward Credit Card</a> </h3>    </div>   <div class="c-nk-productBox__disclaimer ">Representative Example: Representative 26.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 26.9% p.a. (variable).</div>   <div class="c-nk-productBox__description js-inlineContentExpander">  <div class="c-nk-productBox__shortDesc js-inlineContentShortDesc js-defaqto-transactional-block-data-wrapper__description"> The Virgin Atlantic Reward Credit Card has a low money transfer fee on the market, at just 3%, but also one of the shortest 0% interest periods at 6 months.<br><br>But there are…   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read more</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M16.59 8.29492L12 12.8749L7.41 8.29492L6 9.70492L12 15.7049L18 9.70492L16.59 8.29492Z" fill="#078CD0"></path> </svg> </button> </div>   <div class="c-nk-productBox__longDesc js-inlineContentLongDesc js-defaqto-transactional-block-data-wrapper__description"> The Virgin Atlantic Reward Credit Card has a low money transfer fee on the market, at just 3%, but also one of the shortest 0% interest periods at 6 months.<br><br>But there are strong benefits elsewhere, with every pound you spend on the card generating 0.75 Virgin points. These can later be redeemed for upgrades on flights, one of their holiday packages, or spending at duty free.   <button type="button" class="c-nk-productBox__descToggler js-inlineContentToggler"> <span>Read less</span> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none"> <path d="M7.41 15.7051L12 11.1251L16.59 15.7051L18 14.2951L12 8.29508L6 14.2951L7.41 15.7051Z" fill="#078CD0"></path> </svg> </button> </div>  </div>   <div class="c-nk-productBox__header_meta"> <ul class="c-nk-productBox__metaList">  <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Interest on Money Transfers: </span> <span class="c-nk-productBox__metaItem_value"> 0% for 6 months (with 3% fee) </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">Interest on Balance Transfers: </span> <span class="c-nk-productBox__metaItem_value"> 0% for 6 months (with 3% fee) </span> </div> </li> <li class="c-nk-productBox__metaItem"> <div class="c-nk-productBox__metaItem_wrapper"> <span class="c-nk-productBox__metaItem_label">APR: </span> <span class="c-nk-productBox__metaItem_value"> 26.9% </span> </div> </li>  </ul> </div>   <a class="c-nk-productBox__header_cta js-inline-cta js-btn-provider-cta-button js-transactional-and-old-block-link-cta js-defaqto-cta" href="https://loans.thetimes.com/credit-cards/?stepname=loanpurpose&stepnumber=1" data-provider="Virgin Atlantic" target="_blank" rel="sponsored noopener"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewbox="0 0 16 16" fill="none"> <path fill-rule="evenodd" clip-rule="evenodd" d="M10.75 1C10.5511 1 10.3603 1.07902 10.2197 1.21967C10.079 1.36032 10 1.55109 10 1.75C10 1.94891 10.079 2.13968 10.2197 2.28033C10.3603 2.42098 10.5511 2.5 10.75 2.5H12.44L8.22 6.72C8.08752 6.86217 8.0154 7.05022 8.01882 7.24452C8.02225 7.43882 8.10097 7.62421 8.23838 7.76162C8.37579 7.89903 8.56118 7.97775 8.75548 7.98117C8.94978 7.9846 9.13783 7.91248 9.28 7.78L13.5 3.56V5.25C13.5 5.44891 13.579 5.63968 13.7197 5.78033C13.8603 5.92098 14.0511 6 14.25 6C14.4489 6 14.6397 5.92098 14.7803 5.78033C14.921 5.63968 15 5.44891 15 5.25V1H10.75ZM2.5 4V13C2.5 13.1326 2.55268 13.2598 2.64645 13.3536C2.74021 13.4473 2.86739 13.5 3 13.5H12C12.1326 13.5 12.2598 13.4473 12.3536 13.3536C12.4473 13.2598 12.5 13.1326 12.5 13V8.75C12.5 8.55109 12.579 8.36032 12.7197 8.21967C12.8603 8.07902 13.0511 8 13.25 8C13.4489 8 13.6397 8.07902 13.7803 8.21967C13.921 8.36032 14 8.55109 14 8.75V13C14 13.5304 13.7893 14.0391 13.4142 14.4142C13.0391 14.7893 12.5304 15 12 15H3C2.46957 15 1.96086 14.7893 1.58579 14.4142C1.21071 14.0391 1 13.5304 1 13V4C1 3.46957 1.21071 2.96086 1.58579 2.58579C1.96086 2.21071 2.46957 2 3 2H7.25C7.44891 2 7.63968 2.07902 7.78033 2.21967C7.92098 2.36032 8 2.55109 8 2.75C8 2.94891 7.92098 3.13968 7.78033 3.28033C7.63968 3.42098 7.44891 3.5 7.25 3.5H3C2.86739 3.5 2.74021 3.55268 2.64645 3.64645C2.55268 3.74021 2.5 3.86739 2.5 4Z" fill="white"></path> </svg> <span data-provider="Virgin Atlantic">Compare credit cards</span> </a>   <button class="c-nk-productBox__header_compare c-nk-productBox__compareBtn js-defaqto-compare-btn"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--unchecked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.099 3 20.999 3.9 20.999 5V19C20.999 20.1 20.099 21 18.999 21H4.99902C3.89902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.89902 3 4.99902 3ZM18.999 19V5H4.99902V19H18.999Z" fill="#333333"></path> </svg> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewbox="0 0 24 24" fill="none" class="c-nk-productBox__compareBtn_icon c-nk-productBox__compareBtn_icon--checked"> <path fill-rule="evenodd" clip-rule="evenodd" d="M4.99902 3H18.999C20.109 3 20.999 3.9 20.999 5V19C20.999 20.1 20.109 21 18.999 21H4.99902C3.88902 21 2.99902 20.1 2.99902 19V5C2.99902 3.9 3.88902 3 4.99902 3ZM4.99902 12L9.99902 17L18.999 8L17.589 6.58L9.99902 14.17L6.40902 10.59L4.99902 12Z" fill="#333333"></path> </svg> <span class="c-nk-productBox__compareBtn_label">Compare</span> </button>  </header> </div>  <div class="s-nk-productBoxes__methodology c-accordionSecondary js-accordionSecondary"> <div class="ac"> <button tabindex="0" class="ac-q ac-header ac-trigger"> Methodology <span class="ac-q__icon"> <svg xmlns="http://www.w3.org/2000/svg" width="32" height="32" viewbox="0 0 32 32" fill="none"> <path d="M22.12 11.4534L16 17.56L9.88 11.4534L8 13.3334L16 21.3334L24 13.3334L22.12 11.4534Z" fill="#0A0A0A"></path> </svg> </span> </button> <div class="ac-a ac-panel"> To work out our credit card best buys, we first investigate which features are most important to people when using this type of card, then we compare the key features offered by each credit card currently available in the UK to see how well they match up.<br><br>To do this we compare about 160 different credit card deals daily as well as updating our results to reflect any new offers or expired deals.<br>With money transfer cards, we look at a combination of the money transfer rate, how long the money transfer rate lasts, the money transfer fee and the card’s representative APR.<br><br>Our data is provided by independent market analyst <a href="https://www.defaqto.com/about">Defaqto</a>, who maintains the largest financial product database in the UK. </div> </div> </div> </div> </section> <p>*<em>All products, brands or properties mentioned in this article are selected by our writers and editors based on first-hand experience or customer feedback, and are of a standard that we believe our readers expect. This article contains links from which we can earn revenue. This revenue helps us to support the content of this website and to continue to invest in our award-winning journalism. For more, see <strong><a href="https://www.thetimes.com/money-mentor/how-we-make-money/" target="_blank" rel="noreferrer noopener">How we make our money</a></strong> and <strong><a href="https://www.thetimes.com/money-mentor/editorial-promise/" target="_blank" rel="noreferrer noopener">Editorial promise</a></strong></em></p>  <div class="c-nk-disclaimer"> <h3 class="c-nk-disclaimer__title">Important information</h3> <div class="c-nk-disclaimer__box"> <div class="c-nk-disclaimer__paragraph"> <p>Some of the products promoted are from our affiliate partners from whom we receive compensation. While we aim to feature some of the best products available, we cannot review every product on the market.</p> <button class="c-nk-disclaimer__toggle js-disclaimerTootipBtn" data-template="js-disclaimer-tooltip-1">Read more</button> </div> </div> <div style="display: none;"> <div id="js-disclaimer-tooltip-1"> Although the information provided is believed to be accurate at the date of publication, you should always check with the product provider to ensure that information provided is the most up to date. <button aria-label="Close tooltip" class="c-nk-disclaimer__tooltipClose js-disclaimerTooltipClose"> <svg width="12" height="12" viewBox="0 0 12 12" fill="none" xmlns="http://www.w3.org/2000/svg"> <path d="M1.64916 11.25L0.75 10.3508L5.10084 6L0.75 1.64916L1.64916 0.75L6 5.10084L10.3508 0.75L11.25 1.64916L6.89916 6L11.25 10.3508L10.3508 11.25L6 6.89916L1.64916 11.25Z" fill="#696969" /> </svg> </button> </div> </div> </div>  </div> </div> <div class="col w-full lg:w-3/12"> <div class="s-reArticleMain__stickySidebar"> <div class="s-reArticleMain__stickySidebar_wrapper"> <div class="s-reArticleMain__stickySidebar_itemsListing js-sidebarListing"> <div class="s-reArticleMain__desktopTableOfContent"> <div class="c-relatedCards--tableOfContents js-relatedCards"><div class="c-relatedCards__scrollGradient"><div></div></div><div class="c-relatedCards__title--arrow js-relatedCards__button"> <h3>In this guide</h3> <img src="https://www.thetimes.com/money-mentor/wp-content/themes/money-mentor/resources/assets/icons/keyboard_arrow_up.svg" width="12" height="8" alt="Toggle table of content" aria-hidden="true"> </div><div class="c-relatedCards__wrapper js-relatedCards__wrapper"><div class="c-relatedCards__list js-tableOfContent"><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#Why-use-a-money-transfer-card?">Why use a money transfer card?</a></div><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#How-do-money-transfer-cards-work?">How do money transfer cards work?</a></div><div class="c-relatedCards__list_item"> <a class="js-relatedCards__link" href="#Best-money-transfer-cards">The best money transfer cards</a></div></div></div></div> </div> </div> </div> </div> </div> <div class="col w-full"> <section class="s-relatedContentCardListing js-related-cards-section "> <div class="s-relatedContentCardListing__body"> <div class="row flex items-start"> <div class="col w-full"> <h3 class="e-h2 s-relatedContentCardListing__title"> Read next </h3> </div> </div> <div class="s-relatedContentCardListing__articles"> <div class="row flex flex-wrap justify-start">  <div class="col w-full md:w-1/3"> <div class="c-nk-card c-nk-card--related"> <a class="c-nk-card__imgLink js-related-card-bottom" title="Does Klarna affect my credit score?" href="https://www.thetimes.com/money-mentor/loans-credit-cards/how-does-klarna-work" data-name="" data-article-title="Does Klarna affect my credit score?"> <div class="c-nk-card__img"> <img width="341" height="207" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2020/11/GettyImages-1081064552_1400x850.jpg?quality=75&strip=all&w=341" class="attachment-368x207 size-368x207" alt="" decoding="async" srcset="https://www.thetimes.com/money-mentor/wp-content/uploads/2020/11/GettyImages-1081064552_1400x850.jpg?resize=300,182&quality=75&strip=all 300w, https://www.thetimes.com/money-mentor/wp-content/uploads/2020/11/GettyImages-1081064552_1400x850.jpg?resize=768,466&quality=75&strip=all 768w, https://www.thetimes.com/money-mentor/wp-content/uploads/2020/11/GettyImages-1081064552_1400x850.jpg?resize=600,364&quality=75&strip=all 600w, https://www.thetimes.com/money-mentor/wp-content/uploads/2020/11/GettyImages-1081064552_1400x850.jpg?resize=800,486&quality=75&strip=all 800w" sizes="(max-width: 341px) 100vw, 341px" /> </div> </a> <div class="c-nk-card__content"> <div class="c-nk-card__infoData"> <a class="c-nk-card__flag" href="https://www.thetimes.com/money-mentor/loans-credit-cards/"><small>Loans & Credit Cards</small></a> </div> <a class="c-nk-card__link js-related-card-bottom" title="Does Klarna affect my credit score?" href="https://www.thetimes.com/money-mentor/loans-credit-cards/how-does-klarna-work" data-name="" data-article-title="Does Klarna affect my credit score?"> <h2 class="c-nk-card__title">Does Klarna affect my credit score?</h2>  <p class="c-nk-card__text">Millions of people use buy now, pay later (BNPL) services like Klarna as a way to delay payment on purchases when they reach the checkout. However, it’s important to beware of the pitfalls of using this payment method. While Klarna doesn’t charge interest for its Pay in 3 or Pay in 30 days options, missed […]</p> </a> </div> </div> </div> <div class="col w-full md:w-1/3"> <div class="c-nk-card c-nk-card--related"> <a class="c-nk-card__imgLink js-related-card-bottom" title="How I cleared 拢12,000 credit card debt in less than two years" href="https://www.thetimes.com/money-mentor/loans-credit-cards/how-i-cleared-12k-credit-card-debt-in-less-than-two-years-the-last-payment-was-surreal" data-name="" data-article-title="How I cleared 拢12,000 credit card debt in less than two years"> <div class="c-nk-card__img"> <img width="155" height="207" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/09/i-was-12k-in-re-1138961.jpeg?quality=75&strip=all&w=155" class="attachment-368x207 size-368x207" alt="" decoding="async" srcset="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/09/i-was-12k-in-re-1138961.jpeg?resize=225,300&quality=75&strip=all 225w, https://www.thetimes.com/money-mentor/wp-content/uploads/2024/09/i-was-12k-in-re-1138961.jpeg?resize=768,1024&quality=75&strip=all 768w, https://www.thetimes.com/money-mentor/wp-content/uploads/2024/09/i-was-12k-in-re-1138961.jpeg?resize=450,600&quality=75&strip=all 450w, https://www.thetimes.com/money-mentor/wp-content/uploads/2024/09/i-was-12k-in-re-1138961.jpeg?resize=375,500&quality=75&strip=all 375w" sizes="(max-width: 155px) 100vw, 155px" /> </div> </a> <div class="c-nk-card__content"> <div class="c-nk-card__infoData"> <a class="c-nk-card__flag" href="https://www.thetimes.com/money-mentor/loans-credit-cards/"><small>Loans & Credit Cards</small></a> </div> <a class="c-nk-card__link js-related-card-bottom" title="How I cleared 拢12,000 credit card debt in less than two years" href="https://www.thetimes.com/money-mentor/loans-credit-cards/how-i-cleared-12k-credit-card-debt-in-less-than-two-years-the-last-payment-was-surreal" data-name="" data-article-title="How I cleared 拢12,000 credit card debt in less than two years"> <h2 class="c-nk-card__title">How I cleared 拢12,000 credit card debt in less than two years</h2>  <p class="c-nk-card__text">While on her £28,000 annual salary, Sarah Bartlett (left, above) used credit cards to treat herself to theatre trips, clothes, designer handbags and iPhones – and even a car.  Her debt started accumulating in 2015, when she bought an £11,000 car on a 0% money transfer credit card. Money transfer credit cards operate differently from standard […]</p> </a> </div> </div> </div> <div class="col w-full md:w-1/3"> <div class="c-nk-card c-nk-card--related"> <a class="c-nk-card__imgLink js-related-card-bottom" title="What is PCP car finance and should I use it?" href="https://www.thetimes.com/money-mentor/loans-credit-cards/what-is-pcp-car-finance-and-should-i-use-it" data-name="" data-article-title="What is PCP car finance and should I use it?"> <div class="c-nk-card__img"> <img width="310" height="207" src="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/05/GettyImages-1829394152.jpg?quality=75&strip=all&w=310" class="attachment-368x207 size-368x207" alt="Buying a car on PCP finance and getting the best deal" decoding="async" srcset="https://www.thetimes.com/money-mentor/wp-content/uploads/2024/05/GettyImages-1829394152.jpg?resize=300,200&quality=75&strip=all 300w, https://www.thetimes.com/money-mentor/wp-content/uploads/2024/05/GettyImages-1829394152.jpg?resize=768,512&quality=75&strip=all 768w, https://www.thetimes.com/money-mentor/wp-content/uploads/2024/05/GettyImages-1829394152.jpg?resize=600,400&quality=75&strip=all 600w, https://www.thetimes.com/money-mentor/wp-content/uploads/2024/05/GettyImages-1829394152.jpg?resize=800,534&quality=75&strip=all 800w" sizes="(max-width: 310px) 100vw, 310px" /> </div> </a> <div class="c-nk-card__content"> <div class="c-nk-card__infoData"> <a class="c-nk-card__flag" href="https://www.thetimes.com/money-mentor/loans-credit-cards/"><small>Loans & Credit Cards</small></a> </div> <a class="c-nk-card__link js-related-card-bottom" title="What is PCP car finance and should I use it?" href="https://www.thetimes.com/money-mentor/loans-credit-cards/what-is-pcp-car-finance-and-should-i-use-it" data-name="" data-article-title="What is PCP car finance and should I use it?"> <h2 class="c-nk-card__title">What is PCP car finance and should I use it?</h2>  <p class="c-nk-card__text">If you’re looking for a way to afford your brand-new vehicle on finance, there are multiple ways to do so. We explain how PCP finance works, its benefits, and who it might suit. 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They can be a useful way of getting hold of cash to pay down non-credit card debts – or a cost-effective way to borrow if you need to pay for something in cash. In this […]", "articleBody": "Money transfer credit cards allow you to borrow a lump sum and have it deposited directly into your bank account.\n\n\n\nThey can be a useful way of getting hold of cash to pay down non-credit card debts \u2013 or a cost-effective way to borrow if you need to pay for something in cash.\n\n\n\nIn this guide, we will cover:\n\n\n\n\nWhy use a money transfer card?\n\n\n\nHow do money transfer cards work?\n\n\n\nBest money transfer cards\n\n\n\n\nRead more: Best rewards credit cards\n\n\n\nWhy use a money transfer card?\n\n\n\nYou can pay for most purchases on a credit card. So if you are gearing up for a one-off, expensive outlay, taking out a 0% purchases card may be the best option. There are usually no fees for opening the account, and the best cards have interest-free periods of up to two years.\n\n\n\nBut if you are looking to buy something that can only be paid for in cash, using a money transfer card may be a cost-effective option.\n\n\n\nIt\u2019s worth adding that in most cases you should avoid making large purchases in cash \u2013 as you don\u2019t get the protections that come with paying by card. However, it\u2019s not uncommon for tradespeople to not accept cards, and some established businesses will be willing to give you a discount if you pay in cash.\n\n\n\nThe other useful purpose for money transfer cards is paying down other debt free of interest.\n\n\n\nIf you have credit card balances that you want to consolidate, you should look at 0% balance-transfer credit cards. But if you need to pay down an overdraft or a personal loan, the only way to borrow for this through a credit card is by using a money transfer.\n\n\n\nThere are a relatively small number of 0% money transfer cards on offer, with interest-free periods of up to 12 months.\n\n\n\nBeware that all these cards will charge a fee, typically up to 4% of the amount you want to transfer.\n\n\n\nRead more: Best balance transfer credit cards\n\n\n\nHow do money transfer cards work?\n\n\n\nOnce you have been approved for a money transfer card, the cash should be wired to your account in a matter of hours \u2013 and sometimes minutes.\n\n\n\nAlthough 0% cards give you up to 18 months with no interest to pay, a fee of up to 4% will be added to your balance. And you will need to keep up minimum monthly payments over the course of the interest-free period.\n\n\n\nIt makes sense to set up a direct debit so you don\u2019t forget to make these payments. If you miss one, some card providers will remove your 0% offer immediately and start charging you interest at the full rate.\n\n\n\nIf you haven\u2019t paid off what you owe by the end of the 0% period, you should consider a balance transfer to another 0% card.\n\n\n\nYou could end up paying high interest on the remaining balance if you miss this. \n\n\n\nIt\u2019s important not to confuse money transfers with cash withdrawals. While making a transfer can be a relatively cost-effective way to borrow cash, the opposite is true if you take out a credit card and use it to get cash at an ATM.\n\n\n\nCard providers generally charge interest on cash withdrawals from the moment the money leaves the machine \u2013 unlike purchases made on the card, which get up to 56 days interest-free. Most card providers also charge a cash-withdrawal fee as well.\n\n\n\nRead more: Best travel cards, debit and credit cards to use abroad\n\n\n\nThe best money transfer cards\n\n\n\nLooking for a money transfer card? Our editors have picked some of the best on the market below:\n\n\n\n\n\n*All products, brands or properties mentioned in this article are selected by our writers and editors based on first-hand experience or customer feedback, and are of a standard that we believe our readers expect. This article contains links from which we can earn revenue. This revenue helps us to support the content of this website and to continue to invest in our award-winning journalism. For more, see How we make our money and Editorial promise", "image": { "@context": "http://schema.org", "@type": "ImageObject", "width": 3000, "height": 2000, "url": "https://www.thetimes.com/money-mentor/wp-content/uploads/2022/06/GettyImages-1447705151.jpg?quality=75&strip=all" }, "thumbnailUrl": "", "name": "The best money transfer cards", "keywords": "Credit cards, Loans & Credit Cards" }</script><script type="text/javascript"> !function () { var e = function () { var e, t = "__tcfapiLocator", a = [], n = window; for (; n;) { try { if (n.frames[t]) { e = n; break } } catch (e) { } if (n === window.top) break; n = n.parent } e || (!function e() { var a = n.document, r = !!n.frames[t]; if (!r) if (a.body) { var i = a.createElement("iframe"); i.style.cssText = "display:none", i.name = t, a.body.appendChild(i) } else setTimeout(e, 5); return !r }(), n.__tcfapi = function () { for (var e, t = arguments.length, n = new Array(t), r = 0; r < t; r++)n[r] = arguments[r]; if (!n.length) return a; if ("setGdprApplies" === n[0]) n.length > 3 && 2 === parseInt(n[1], 10) && "boolean" == typeof n[3] && (e = n[3], "function" == typeof n[2] && n[2]("set", !0)); else if ("ping" === n[0]) { var i = { gdprApplies: e, cmpLoaded: !1, cmpStatus: "stub" }; "function" == typeof n[2] && n[2](i) } else a.push(n) }, n.addEventListener("message", (function (e) { var t = "string" == typeof e.data, a = {}; try { a = t ? 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The best money transfer cards - Times Money Mentor