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.

  1. 0% interest on balance transfers for 6 months

  2. 3% balance transfer fee (or £3, whichever is higher)

  3. Quick online application with a decision in seconds

  4. Representative 34.9% APR (variable) on purchases

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Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.9% (variable), representative 34.9% APR (variable).

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An illustration of credit card balance being transferred to a Zable Credit Card
An illustration of credit card balance being transferred to a Zable Credit Card

How to Get Started

  1. Check your eligibility

    Get an instant decision without affecting your credit score

  2. Complete your application

    Our easy online application takes just minutes to complete, with a decision in seconds.

  3. Transfer your balance

    Move existing credit card balances (3% or £3 transfer fee applies, whichever is higher) and manage transfers in the app.

  4. Start saving

    Track your balance in real-time, set up automatic payments, and get instant notifications.

An illustration of a credit card balance being transferred to Zable at 0%

What is a Balance Transfer Credit Card?

A balance transfer credit card allows you to move debt from one or more existing credit cards to a new card with a 0% interest period. With Zable's balance transfer card, you can enjoy interest-free payments for 6 months, helping you save money while paying off your balance.

When your 6 month promotional period ends, any remaining balance will begin to accrue interest at your purchase rate.

An illustration of a credit card balance being transferred to Zable at 0%

Benefits of Choosing Zable for Your Balance Transfer

  1. Available for lower credit scores

    Get a fresh start with a card designed for a range of credit histories

  2. Improve your credit score

    Make on-time payments and stay within your limit to build your credit rating

  3. Track progress

    Monitor your balance and savings through our app

  4. Flexible payments

    Choose payment dates that suit you

  5. Instant access

    Start using your card immediately with Apple Pay or Google Pay

How to transfer your credit card balance

Transferring a balance to your Zable credit card is straightforward:

  1. Apply for your Zable balance transfer card

  2. Once approved, log into the Zable app

  3. Select 'Balance Transfer' and enter your existing card details

  4. Choose how much to transfer (up to your available credit limit)

  5. Confirm the transfer and start saving

Illustration of a zable credit card for bad credit in front of a group of trees, symbolising credit growth
Illustration of a zable credit card for bad credit in front of a group of trees, symbolising credit growth

Ready to start saving?

Check your eligibility now without affecting your credit score. Apply online today.

Apply Online