36-Month Interest-Free Credit Cards UK

💳🇬🇧

📊 Which? • MoneySavingExpert • MoneySuperMarket

What a 36-month 0% deal really means, which UK cards genuinely offer the longest interest-free periods on purchases and balance transfers, and every rule you need to follow. Plain English. No card provider paid to appear here.

💡 10 Things Everyone Should Know First

The search for a “36-month interest-free credit card on purchases” is one of the most common financial queries in the UK — and one of the most misunderstood. The key fact: as of April 2026, no UK credit card offers 36 months of 0% interest on purchases. The longest available on purchases is 26 months, offered by TSB (Yahoo Finance / Finder.com, April 2026; confirmed by Which? April 1 2026 and MoneySavingExpert April 2026). However, Tesco Bank does offer a guaranteed 36 months of 0% interest on balance transfers — a completely different product. Understanding this distinction could save you hundreds of pounds. The Bank of England held its base rate at 3.75% in March 2026, but standard credit card rates still average around 24.9% representative APR — making a long 0% deal one of the cheapest ways to borrow money in the UK today.

⚠️ Important — Verify Before Applying

All 0% periods and fees below are verified from independent sources as of April 2026. Deals change frequently — always check the latest terms at each provider’s official website and use their eligibility checker (which does not affect your credit score) before making a formal application. Credit is subject to status. UK residents aged 18 and over only. This guide is for information purposes only and does not constitute financial advice.

1

Does a 36-month 0% credit card on purchases actually exist in the UK? No — The Longest on Purchases Is 26 Months (TSB, April 2026)
As of April 2026, no UK credit card provider offers 36 months of 0% interest on new purchases. The market leader for purchase cards is the TSB Platinum Purchase Card at up to 26 months (26, 22 or 19 months depending on your credit score), confirmed by Which? on 1 April 2026, MoneySavingExpert, and Yahoo Finance. M&S Bank and Lloyds offer 25 months. Barclaycard Platinum and MBNA offer 24 months. The 36-month figure that commonly appears in search results refers to balance transfers — a completely different product. If you have seen an advertisement for a “36-month interest-free credit card on purchases,” it is either outdated, a misprint, or refers to a balance transfer card.
2

What does “36 months interest-free on purchases” actually mean — if such a card existed? Zero Interest on New Purchases for 36 Consecutive Months — as Long as You Pay the Minimum
A 0% purchase credit card means that any new purchases you make — in shops, online, restaurants — will not have any interest charged on the outstanding balance for the entire promotional period. So on a card advertising “0% for 26 months,” if you buy a sofa for £2,000 in April 2026, you will pay zero interest until June 2028 as long as you make at least the minimum monthly payment on time. You are essentially getting an interest-free loan from the card provider. The critical rule: you must pay off the entire remaining balance before the promotional period ends, or the standard rate — typically around 24.9% representative APR — applies to whatever is left. Uswitch confirms the standard revert rate ranges from 12% to 35% across UK cards.
3

Which UK credit card has 0% interest for the longest time on purchases right now? TSB Platinum Purchase Card — Up to 26 Months (April 2026)
TSB leads the UK market on 0% purchase cards with up to 26 months, per Which? (April 1 2026), MoneySavingExpert (April 2026), and Yahoo Finance / Finder.com credit card expert Kate Steere. However, it is an “up to” card — you may receive 26, 22 or 19 months depending on your credit history. M&S Bank offers 25 months guaranteed to all approved applicants (a notable advantage, per MoneySavingExpert), plus M&S Clubcard points. Lloyds Bank offers up to 25 months. Barclaycard Platinum offers up to 24 months on purchases. Only those with excellent credit scores reliably receive the full 26-month term; applicants with fair credit may receive 12–15 months (Smart Credit Flow, March 2026).
4

What is the Tesco Bank 36-month credit card? Does it apply to purchases? It Is a Balance Transfer Card — Not a Purchase Card — 36 Months on Debt Moved From Other Cards
Tesco Bank offers a Balance Transfer Credit Card with a guaranteed 36 months of 0% interest on balance transfers from the date the account is opened, with a 3.45% transfer fee. Confirmed on tescobank.com. Crucially, this is not a 36-month purchase card. The 36 months applies only to debt you transfer from other credit or store cards, not to new spending. Tesco’s purchase card offers only 10–14 months on new purchases (depending on your credit profile). The Tesco Balance Transfer Card is a powerful debt reduction tool — but it is not for buying things. NimbleFins (January 2026) ranks Tesco’s 36-month BT card second in the UK market behind only TSB’s 38-month BT deal.
5

Can you get a 24-month 0% interest-free credit card on purchases in the UK? Yes — Barclaycard Platinum Offers Up to 24 Months; MBNA Also Offers 24 Months
Barclaycard’s Platinum purchase and balance transfer card offers up to 24 months at 0% on purchases and up to 21 months on balance transfers (within 60 days of opening), with a representative APR of 31.9%. Barclaycard’s website confirms at least 7 in 10 customers accepted receive the full 24-month period; others may receive 20 or 12 months depending on credit history. MBNA also offers 24 months, confirmed by Which? (April 2026). Both Lloyds and Barclaycard are named Which? Recommended Providers for credit cards in 2026. A 24-month card opened today would be interest-free until April 2028 — plenty of time to spread the cost of a major purchase.
6

What is the longest 0% balance transfer deal available in the UK right now? TSB Balance Transfer Card — 38 Months (Longest in Nearly 8 Years); Tesco 36 Months Guaranteed
TSB leads the balance transfer market with 38 months at 0% — the longest deal in nearly eight years, per Axiom Financial (March 2026) — with a 3.49% transfer fee, giving a representative APR of 24.9%. Tesco Bank offers 36 months guaranteed with a 3.45% fee. MBNA offers 36 months with a lower 2.99% fee, per credit card expert Kate Steere (Yahoo Finance / Finder.com, April 2026). Nationwide offers 30 months. MoneySuperMarket (31 March 2026) confirms the TSB deal. For those who want to avoid a fee entirely, Barclaycard Platinum’s 14-month no-fee balance transfer card is available. Which? noted in March 2026 that a £2,000 debt on a 22% APR card, paid at £60/month, clears in about 33 months on a 0% BT card versus 4+ years on the original card — saving £941.
7

What is Section 75 protection and does it apply to 0% credit cards? Yes — Section 75 of the Consumer Credit Act 1974 Protects Purchases of £100 to £30,000
Under Section 75 of the Consumer Credit Act 1974, if you pay for goods or services costing between £100 and £30,000 on a credit card — including a 0% purchase card — the card provider is jointly liable with the retailer if something goes wrong. This means if the item arrives broken, faulty, or never arrives at all, you can claim a refund from your card provider even if the retailer goes bust. This is one of the biggest advantages of paying by credit card over cash or debit card. Tesco Bank, Barclaycard, TSB, Lloyds and all mainstream UK credit card providers are bound by this law. Note: Section 75 does not apply to purchases made with money transferred from a credit card (money transfers) — only to purchases made directly with the card.
8

What happens if I miss a monthly payment on a 0% card? You Likely Lose the 0% Deal Immediately — Standard Rate of ~24.9% Kicks In on Your Whole Balance
Missing even a single minimum monthly payment can trigger the loss of your entire 0% promotional deal, per MoneySavingExpert’s “0% Purchase Golden Rules”. The standard rate — typically around 24.9% representative APR — then applies to your full remaining balance. You will also face a late payment penalty and a negative mark on your credit file. Which? warns that most credit card companies reserve the right to withdraw a 0% deal at any time if you miss a payment. The simple fix: set up a Direct Debit to pay at least the minimum amount every month, on the day after your statement date if possible. Never rely on manual payment for a card with a promotional balance.
9

Can I withdraw cash from a 0% purchase credit card? Technically Yes — But You Will Be Charged Interest Immediately, Usually at a Higher Rate
The 0% interest rate on a purchase card does not apply to cash withdrawals (ATM withdrawals, buying foreign currency, or gambling transactions). Interest is charged from the day of the cash withdrawal at a rate that is typically higher than the standard purchase rate, and it continues to accrue until you pay off the full cash advance balance. Many providers also charge a cash advance fee of around 3–5% of the amount withdrawn. MoneySavingExpert explicitly warns in its “Golden Rules”: “To avoid hefty fees and interest, don’t withdraw cash.” Which? also notes that some providers flag cash withdrawals on your credit record as a sign you may be in financial difficulty.
10

How do I work out whether a 0% purchase card or a personal loan is cheaper? If You Can Clear It Within the 0% Period, the Card Is Almost Always Cheaper
Which? (April 2026) makes a direct comparison: the best 0% purchase cards offer up to 26 months interest-free, whereas even the cheapest personal loans currently sit at around 6.9% APR for £5,000 over three years. If you can realistically pay off the purchase within the 0% period, the card wins on cost — you pay zero interest. If you cannot, the loan wins because a fixed monthly repayment over a set term provides certainty. Axiom Financial gives a practical example: a £3,000 purchase on the TSB 26-month card requires approximately £115 per month to clear with zero interest. If that payment is manageable, the card is the better choice. Which? also notes a key flexibility advantage: with a 0% card you only need to make the minimum monthly repayment, whereas a loan requires a fixed payment regardless of circumstances.

Sources: Which.co.uk April 1 2026 (TSB 26 months longest; Lloyds 25 months; Barclaycard/MBNA 24 months; standard APR ~25%; 0% card vs personal loan 6.9% APR); MoneySavingExpert April 2026 (TSB ‘up to’ 26/22/19 months; M&S 25 months guaranteed; 0% Golden Rules: never miss minimum, clear before end, no cash); Yahoo Finance / Kate Steere Finder.com April 2026 (TSB leads 26 months purchases; M&S/Lloyds/Halifax 25 months; TSB BT 38 months; MBNA BT 36 months 2.99%; Barclaycard 14-month no-fee BT); MoneySuperMarket.com 31 March 2026 (TSB BT 38 months 3.49%; £2,318 example; BoE base rate 3.75%; avg rep APR 24.9%); Barclaycard official (24 months purchases; 21 months BT within 60 days; 7/10 customers get full period; 31.9% APR alternative); TSB tsb.co.uk (Platinum Purchase up to 26 months; up to 18 months BT; 24.9% representative APR; 24.95% purchase rate); Uswitch March 2026 (revert rate 12%–35%; standard APR post-deal; min repayment 2%–3%); Axiom Financial March 2026 (TSB 26 months leads; £3,000 = £115/month; TSB BT 38 months longest 8 years; BoE 3.75% March 27 2026; avg UK card debt £2,572; avg rep APR 24.9%); Smart Credit Flow March 2026 (only excellent credit gets full 26 months; fair = 12–15 months); tescobank.com (BT card: GUARANTEED 36 months 0% BT; 3.45% fee; 90-day transfer window; purchases 24.9% variable; Purchase card: 14/12/10 months purchases); NimbleFins Jan/Feb 2026 (Tesco BT 36 months as of Jan 2026; UK avg card interest 24.66%); Consumer Credit Act 1974 s.75 (£100–£30,000 protection; joint liability)

🏆 10 Best UK 0% Interest-Free Credit Cards — Purchases & Balance Transfers

📋 How These Cards Are Organised

Purchase cards first (cards for spreading the cost of new spending), then balance transfer cards (cards for moving existing debt). All deals verified from independent sources as of April 2026. Deals change — always use each provider’s eligibility checker (soft search, no credit file impact) before applying. Credit is subject to status. UK residents 18+ only. Not financial advice.

Longest Purchase 0% on Market — Up to 26 Months

TSB Platinum Purchase Card

Visa • Which? Best Buy Candidate • Also 0% on Balance Transfers

🛒 0% Purchases: Up to 26 months

🔄 0% BT: Up to 18 months

💸 BT Fee: Check at TSB

📊 Rep. APR: 24.9% (variable)

✅ Longest 0% purchase deal in UK (April 2026)

✅ Also offers 0% on balance transfers (up to 18 months)

✅ Section 75 protection on purchases £100–£30,000

⚠️ ‘Up to’ card: 26, 22 or 19 months offered

⚠️ Full 26 months requires excellent credit rating

⚠️ Must apply direct with TSB (not via most comparison tools)

⚠️ 24.95% purchase rate after promotional period

⚠️ No rewards or cashback on this card

TSB’s Platinum Purchase Card leads the UK market on 0% purchase periods as of April 2026, confirmed by Which? (1 April 2026), MoneySavingExpert, and credit card expert Kate Steere at Finder.com (Yahoo Finance, April 2026). The 26-month 0% period means a purchase made today could remain interest-free until June 2028 — ideal for financing a boiler, kitchen renovation, or other large necessary expense. Axiom Financial calculates that a £3,000 purchase on this card at approximately £115/month would be cleared with zero interest within the 26-month window. Crucially, this is an “up to” offer: TSB may approve you for 26, 22 or 19 months depending on your credit history. Use TSB’s eligibility checker on their website first; this is the only way to know which term you’d likely receive without a hard search on your credit file. TSB also offers a separate Balance Transfer Card with 38 months at 0% (the longest BT deal in the UK).

🌐 Apply direct: tsb.co.uk/credit-cards/purchases.html
🔍 Check eligibility first at TSB’s website (no credit impact)

26 Months #1 UKAlso 18 Months BT Section 75 Protection‘Up To’ — Credit Dependent

Best Guaranteed 0% Purchase Period — 25 Months + M&S Points

M&S Bank Shopping Plus Credit Card

Mastercard • MoneySavingExpert Top Pick • M&S Points on All Spending

🛒 0% Purchases: 25 months (guaranteed)

🎁 Reward: M&S points (1 per £5)

📊 Rep. APR: Check at M&S Bank

🌍 Accepted: Mastercard worldwide

✅ 25 months guaranteed — all approved applicants

✅ Earns M&S points convertible to M&S vouchers

✅ £25 M&S voucher available via comparison links (check)

✅ Mastercard — accepted virtually everywhere

⚠️ Cannot have held an M&S card in the last year

⚠️ Points rate modest compared to premium reward cards

MoneySavingExpert specifically highlights the M&S Shopping Plus as a “strong choice” because all accepted applicants receive the full 25-month 0% period — unlike TSB where you might get a shorter deal. This predictability is valuable when planning repayments. The card earns one M&S point for every £5 spent, convertible to M&S vouchers — a welcome bonus for regular M&S shoppers. Which? (March 2026) names both Lloyds and Barclaycard as Recommended Providers but specifically flags M&S 25 months as a guaranteed-period option. MoneySavingExpert notes a £25 M&S voucher is available when spending at least £500 in the first 30 days via certain comparison links (check current availability before applying). Which? (April 2026) confirmed M&S at 25 months alongside Lloyds in the top-tier purchase card ranking.

🌐 Apply: marksandspencer.com (credit cards section) or via MSE/comparison tools
🔍 Check current voucher offer before applying

25 Months GuaranteedM&S Points on All Spend Mastercard WorldwidePossible £25 Welcome Voucher

Which? Recommended Provider — Up to 25 Months on Purchases

Lloyds Bank Purchase Credit Card

Visa • Which? Recommended Provider 2026 • Up to 25 Months 0%

🛒 0% Purchases: Up to 25 months

🏦 Provider: Lloyds Bank (major UK bank)

📊 Rep. APR: Check at Lloyds

⭐ Which?: Recommended Provider 2026

✅ Up to 25 months 0% on purchases

✅ Which? Recommended Provider for credit cards 2026

✅ Major UK high street bank with extensive branches

✅ Visa accepted worldwide

⚠️ ‘Up to’ period — actual term credit-dependent

⚠️ Standard APR applies after promotional period

Lloyds Bank sits among the very top of UK purchase cards at up to 25 months 0%, confirmed by Which? (April 1 2026) and Yahoo Finance / Finder.com (April 2026). Crucially, Lloyds is a Which? Recommended Provider for credit cards in 2026 — a distinction which.co.uk awards only to providers that combine competitive deals with high customer satisfaction scores. Lloyds scored well in Which?’s survey of 30 major credit card providers. For customers already banking with Lloyds, this card can be convenient to manage alongside existing accounts. The card’s 25-month 0% period makes it highly competitive against TSB’s 26-month offering, particularly for those whose credit profile makes the TSB full term uncertain.

🌐 Apply: lloydsbank.com (credit cards section)
🔍 Check eligibility first to avoid unnecessary hard searches

Up to 25 MonthsWhich? Recommended 2026 Major UK High Street BankVisa Worldwide

Which? Recommended Provider — 24 Months Purchase + 21 Months BT

Barclaycard Platinum Purchase & Balance Transfer Card

Visa • Which? Recommended Provider 2026 • 7/10 Customers Get Full 24 Months

🛒 0% Purchases: Up to 24 months

🔄 0% BT: Up to 21 months (within 60 days)

💸 BT Fee: 3.45% (min £5)

📊 Rep. APR: 31.9% variable (alt offers)

✅ 7 in 10 accepted customers get full 24 months

✅ Combines purchase AND balance transfer 0% deals

✅ Which? Recommended Provider 2026

✅ Section 75 protection; established major issuer

⚠️ BT must be completed within 60 days of opening

⚠️ Remaining 3/10 customers may receive 20 or 12 months

⚠️ 3.45% BT fee applies to balance transfers

⚠️ 31.9% APR alternative offer for some applicants

Barclaycard’s Platinum card is one of the most transparent offers in the UK market: it confirms on its official website that at least 7 out of 10 customers accepted last month received the full 24-month promotional period, with the remaining applicants offered 20 or 12 months. This “7 in 10” disclosure gives applicants a clearer picture of their approval chances than most competitors. The card combines 0% on purchases (24 months) with 0% on balance transfers (21 months, initiated within 60 days) — making it a useful all-rounder for those who want to spread new purchases while also consolidating existing debt. Barclaycard is a Which? Recommended Provider for 2026 and has the largest survey sample in Which?’s credit card research (801 respondents), providing a reliable quality indicator.

🌐 Apply: barclaycard.co.uk/personal/credit-cards/platinum-purchase-bt
🔍 Use Barclaycard’s eligibility check (no credit file impact)

24 Months Purchase21 Months BT (60 days) Which? Recommended 20267/10 Get Full Period

Strong 25-Month Option — Halifax Competitive in Purchase Market

Halifax Purchase Credit Card

Visa • Part of Lloyds Banking Group • Up to 25 Months 0% on Purchases

🛒 0% Purchases: Up to 25 months

🏦 Group: Lloyds Banking Group

📊 Rep. APR: Check at Halifax

📞 Customer Score: 292 respondents (Which?)

✅ Up to 25 months 0% on new purchases

✅ Part of major Lloyds Banking Group

✅ Halifax Clarity card also available (best travel card)

✅ Section 75 protection on qualifying purchases

⚠️ ‘Up to’ period — credit-dependent

⚠️ Cannot hold some products if you bank with Lloyds (check)

Halifax matches Lloyds at up to 25 months on purchase cards, confirmed by Yahoo Finance / Finder.com’s Kate Steere (April 2026) and Which? (March 2026). As part of Lloyds Banking Group, Halifax benefits from significant financial resources and customer infrastructure. Halifax is also home to the Halifax Clarity card — widely regarded as one of the best travel credit cards in the UK, with no foreign transaction fees and no cash withdrawal fees abroad (though interest accrues from day one on cash). The purchase card and the Clarity card are separate products. Axiom Financial notes the standard representative APR on UK cards sits at 24.9% — making a 25-month 0% window extremely valuable for anyone financing a planned purchase such as a new car, home improvement, or holiday.

🌐 Apply: halifax.co.uk (credit cards section)
🔍 Check eligibility before applying to protect your credit score

Up to 25 MonthsLloyds Banking Group Section 75 ProtectionAlso Offers Halifax Clarity Travel Card

The “36-Month Tesco Card” — Guaranteed 36 Months on Balance Transfers ONLY

Tesco Bank Balance Transfer Credit Card

Mastercard • Earn Clubcard Points • 36-Month 0% on BALANCE TRANSFERS (Not Purchases)

🔄 0% BT: 36 months (guaranteed)

🛒 0% Purchases: NOT 0% for 36 months

💸 BT Fee: 3.45% (min £5)

📊 Purchase Rate: 24.9% p.a. (variable)

✅ GUARANTEED 36 months 0% on balance transfers

✅ All approved applicants receive full 36-month period

✅ Earn Clubcard points on purchases (not BT/transfers)

✅ Transfer up to 95% of available credit limit

✅ Earn 1 point per £4 in Tesco; 1 per £8 elsewhere

⚠️ 0% is for BALANCE TRANSFERS only — NOT new purchases

⚠️ 3.45% balance transfer fee (on amount transferred)

⚠️ Transfer must be made within 90 days of opening

⚠️ Cannot transfer from another Tesco Bank card

⚠️ Must earn at least £5,000 per year to be eligible

This is the card that appears when people search for a “36-month 0% interest credit card” in the UK — and it is important to understand precisely what it offers. Tesco Bank’s official website confirms: “Guaranteed 36 months 0% interest from the date of account opening” — but only on balance transfers. If you spend £500 on shopping using this card, that spending is charged at 24.9% p.a. (variable) from day one. This card’s power is in consolidating expensive credit card or store card debt: move a £5,000 balance at 3.45% fee (cost: £172.50), then pay zero interest for 36 months. Paying approximately £140 per month clears the debt in 36 months with no further interest. NimbleFins (January 2026) confirms Tesco ranks second only to TSB’s 38-month deal in the UK balance transfer market. Tesco Bank is now a trading name of Barclays Bank UK PLC. Minimum income £5,000 per year to qualify.

🌐 Apply: tescobank.com/credit-cards/balance-transfer-credit-card
📞 Tesco Bank: 0345 300 4278 (8am–9pm weekdays; 8am–6pm weekends)

36 Months BT GuaranteedNOT a Purchase Card 3.45% BT FeeClubcard Points90-Day Transfer Window

UK’s Longest Balance Transfer Deal — 38 Months (Longest in ~8 Years)

TSB Platinum Balance Transfer Card

Visa • 38 Months 0% on Balance Transfers • Longest UK BT Deal in Nearly 8 Years

🔄 0% BT: 38 months

💸 BT Fee: 3.49%

📊 Rep. APR: 24.9% (variable)

📅 Transfer: Within 60 days

✅ Longest BT deal in UK — 38 months (April 2026)

✅ Longest deal in nearly 8 years (Axiom Financial)

✅ Representative APR 24.9% (variable)

⚠️ 3.49% balance transfer fee (higher than Tesco at 3.45%)

⚠️ Transfer must be completed within 60 days of opening

⚠️ Apply direct with TSB (not via most comparison tools)

⚠️ No rewards or cashback on this card

TSB’s Balance Transfer Card offers the longest 0% balance transfer deal in the UK as of April 2026: 38 months, confirmed by MoneySuperMarket (31 March 2026), Which? (March 2026), Yahoo Finance (April 2026), and Axiom Financial (March 2026). Axiom describes it as “the longest deal available in nearly eight years.” The 3.49% balance transfer fee is slightly higher than Tesco’s 3.45% and MBNA’s 2.99%, but the additional 2 months of 0% time versus Tesco’s 36-month offer may be worth the marginal extra cost for large balances. Representative example from MoneySuperMarket: transferring £2,318 with a 3.49% fee, 0% over 38 months, then 24.9% variable APR. Which? illustrates the power of such deals: a £2,000 debt at 22% APR costs £941 extra in interest if repaid at £60/month on the original card — all of that saved by moving to a 0% deal.

🌐 Apply: tsb.co.uk/credit-cards (balance transfer section)
🔍 Check eligibility at TSB’s site before applying

38 Months #1 UK BTLongest in ~8 Years 3.49% BT FeeNot a Purchase Card

Best Value 36-Month BT Deal — Lower Fee Than Tesco or TSB

MBNA Balance Transfer Credit Card

Visa • 36 Months 0% on Balance Transfers • 2.99% Fee (Lower Than Rivals)

🔄 0% BT: 36 months

💸 BT Fee: 2.99% (lower than TSB/Tesco)

📊 Rep. APR: Check at MBNA

🏦 Provider: MBNA (part of Lloyds Banking Group)

✅ 36 months 0% on balance transfers

✅ 2.99% BT fee — lower than TSB (3.49%) and Tesco (3.45%)

✅ Part of Lloyds Banking Group (financial security)

✅ Section 75 protection on qualifying purchases

⚠️ ‘Up to’ period — actual term may be shorter

⚠️ No rewards or cashback on BT spending

MBNA’s Balance Transfer card offers 36 months at 0% with a notably lower 2.99% fee — confirmed by Kate Steere, credit card expert at Finder.com, in Yahoo Finance (April 2026): “MBNA is still offering 36 months but with a much lower transfer fee of 2.99%.” On a £5,000 balance transfer, MBNA’s fee is £149.50 versus Tesco’s £172.50 (3.45%) — a saving of £23 before interest. Over 36 months both cards offer the same 0% protection, but MBNA’s lower upfront fee gives it a marginal cost advantage. MBNA is part of Lloyds Banking Group. The fee saving is small relative to the interest savings either card provides compared to leaving debt on a standard 24.9% card, but for large balances or fee-sensitive borrowers, MBNA deserves careful consideration.

🌐 Apply: mbna.co.uk (credit cards section)
🔍 Always check your eligibility before applying

36 Months BTLowest Fee: 2.99% Lloyds Banking GroupNot a Purchase Card

Building Society Option — 30 Months BT; No Late Payment Fees

Nationwide Building Society Balance Transfer Card

Visa • 30 Months 0% BT • No Late Payment Fees • Fee-Free Usage Abroad

🔄 0% BT: 30 months (longest ever from Nationwide)

🛒 0% Purchases + BT combined: 15 months (separate card)

💸 BT Fee: 2.99% (min £5)

📊 Rep. APR: 24.9% (variable)

✅ 30 months 0% BT — longest ever from Nationwide

✅ No charges for late payments

✅ Fee-free usage abroad

✅ Section 75 protection

✅ Also offers 15-month combined purchase + BT card

⚠️ Shorter 0% BT than TSB (38) or Tesco/MBNA (36)

⚠️ Must be or become a Nationwide member

Nationwide Building Society launched its longest-ever balance transfer deal in January 2026 — 30 months at 0% with a 2.99% fee (minimum £5) — confirmed in its official press release on 21 January 2026. This was described as beating its previous offer by six months. Nationwide also offers a combined purchase and balance transfer card at 15 months 0% on both. Nationwide’s distinguishing features are its building society ethos (member-owned, not profit-driven) and the absence of late payment charges on its credit cards — a meaningful safety net. The fee-free usage abroad makes Nationwide’s card particularly versatile for those who travel. While 30 months trails TSB and Tesco in raw length, the no-late-fee policy is genuinely useful for those who worry about occasionally missing a payment.

🌐 Apply: nationwide.co.uk (credit cards section)
📞 Nationwide: 0800 30 20 11

30 Months BTNo Late Payment Fees Fee-Free Abroad2.99% BT Fee

Best for Smaller Debts — 0% BT with No Transfer Fee at All

Barclaycard Platinum 14-Month Balance Transfer (No Fee)

Visa • Zero Balance Transfer Fee • Best for Smaller, Quicker Payoffs

🔄 0% BT: 14 months

💸 BT Fee: 0% (no fee!)

📊 Rep. APR: Check at Barclaycard

📊 Provider: Barclaycard (Barclays UK)

✅ Zero balance transfer fee — move debt for free

✅ 14 months 0% on balance transfers

✅ Ideal for smaller balances (<£2,000) you can clear quickly

✅ Which? Recommended Provider 2026 (Barclaycard)

⚠️ Only 14 months — shorter than most 0% BT deals

⚠️ Only viable if confident you can clear in 14 months

For those with smaller balances who can clear their debt relatively quickly, Barclaycard’s no-fee balance transfer card eliminates the upfront cost entirely. Kate Steere (Finder.com, Yahoo Finance, April 2026) recommends it directly: “If you want to avoid a fee altogether, then check out the Barclaycard Platinum 14-month Balance Transfer Card — though you’ll need to be confident that 14 months gives you enough time to clear your debt.” Axiom Financial (March 2026) also names it as ideal for debts under £2,000 where avoiding the transfer fee entirely saves more than the extra months provided by a fee-charging card. A £1,500 balance transferred with no fee at £107/month would be cleared in 14 months at zero total cost. Compare that to paying 2.99% fee (£44.85) on a longer deal — the no-fee card wins for smaller balances that can be cleared within 14 months.

🌐 Apply: barclaycard.co.uk (credit cards section)
🔍 Use Barclaycard eligibility check before applying

Zero Transfer Fee14 Months 0% Best for Small BalancesWhich? Recommended Provider

Sources: Which? April 1 2026 (TSB 26 months; Lloyds 25 months; Barclaycard/MBNA 24 months; Lloyds and Barclaycard Which? Recommended Providers 2026; Barclaycard 801 survey respondents); MoneySavingExpert April 2026 (TSB 26/22/19 months; M&S 25 months guaranteed; 0% Golden Rules; Tesco BT details); Yahoo Finance / Kate Steere Finder.com April 2026 (TSB 26 months purchases leads market; M&S/Lloyds/Halifax 25 months; TSB BT 38 months; MBNA BT 36 months 2.99%; Barclaycard no-fee 14-month BT recommended); MoneySuperMarket 31 March 2026 (TSB BT 38 months 3.49%; £2,318 representative example; BoE 3.75%); Which? March 2 2026 (TSB BT 38 months; £2,000 BT example saving £941 vs 22% APR card); Barclaycard official barclaycard.co.uk (Platinum: 24 months purchases; 21 months BT within 60 days; 7/10 customers full period; 3 alternatives 20 months or 12 months; 3.45% BT fee; 31.9% APR alternative); TSB official tsb.co.uk (26 months purchases; 18 months BT; 24.9% representative APR; 24.95% purchase rate; credit limit/promotional period vary); Nationwide press release January 21 2026 (30 months longest ever; beats previous by 6 months; 2.99% fee min £5; no late payment charges; fee-free abroad; also 15-month combined card); tescobank.com (GUARANTEED 36 months BT; 3.45% fee; 90-day window; 0% money transfer 9 months; 24.9% purchase rate; £5,000 min income; 95% credit limit max; trading name of Barclays Bank UK PLC); NimbleFins January/February 2026 (Tesco BT 36 months; 3.45% fee; UK avg card interest 24.66%; Low APR 12.9% variable); Axiom Financial March 2026 (TSB BT 38 months; Tesco 36 months; MBNA 36 months 2.99%; Barclaycard no-fee 14 months; BoE 3.75% March 27 2026; avg UK household card debt £2,572; excellent credit needed for full 26 months; fair credit = 12–15 months; £3,000 purchase = £115/month over 26 months)

📊 UK 0% Cards — Key Numbers to Know

💸 Standard Credit Card APR (UK Average)

~24.9% APR

The average representative APR on UK credit cards in early 2026 sits at around 24.9% variable — confirmed by MoneySuperMarket (31 March 2026) and Axiom Financial (March 2026). The average UK household carries £2,572 in credit card debt. At 24.9%, a £2,572 balance costs approximately £640 per year in interest alone.

🛒 Longest 0% Period on Purchases (UK)

26 Months

TSB Platinum Purchase Card leads the UK market at up to 26 months 0% interest on new purchases as of April 2026 (Which?, MoneySavingExpert, Finder.com). M&S Bank offers 25 months guaranteed. The 36-month figure searched frequently refers to balance transfers only, not purchases.

🔄 Longest 0% Balance Transfer (UK)

38 Months

TSB’s Balance Transfer Card offers the longest 0% BT deal in the UK — 38 months with a 3.49% fee. This is the longest deal available in nearly 8 years (Axiom Financial, March 2026). Tesco Bank offers 36 months guaranteed. MBNA offers 36 months with a lower 2.99% fee.

🏦 Bank of England Base Rate

3.75%

The Bank of England’s Monetary Policy Committee voted unanimously to hold the base rate at 3.75% on 19 March 2026 (Bank of England MPC report; cited in Axiom Financial March 2026 and MoneySuperMarket). Despite falling from its peak, standard credit card rates remain close to 25% — making 0% deals exceptionally valuable.

🚨 Three Critical Warnings About 0% Interest Cards

Missing one minimum payment can end your entire 0% deal. Every major UK card provider reserves the right to withdraw your 0% promotional rate if you miss a payment (Which?, March 2026; MoneySavingExpert April 2026). The standard APR — typically around 24.9% — then applies to your full remaining balance. Always set up a Direct Debit on the day you open the account to cover at least the minimum monthly repayment. Do not rely on manual payments.
The “up to” period advertised is not always what you will receive. Cards advertised as “up to 26 months” (TSB) or “up to 24 months” (Barclaycard) may offer you a shorter period — such as 19 months or 12 months — based on your credit score. Smart Credit Flow (March 2026) notes that only those with “excellent” credit scores are consistently offered the full 26-month term. Always use the card provider’s eligibility checker (a soft search that does not affect your credit file) before formally applying.
The 0% period starts from the date the account is opened — not your first purchase. Uswitch and Compare the Market both emphasise this: if your card has a 6-month 0% deal but you don’t make a purchase for the first month, you have only 5 months left. Make your purchase and start repayments as soon as possible after the account is opened. For balance transfers, most providers require the transfer to be made within 60–90 days of opening — miss this window and you lose the promotional rate on the transferred amount.

Sources: MoneySuperMarket 31 March 2026 (avg rep APR 24.9%; BoE 3.75%); Axiom Financial March 2026 (avg UK household card debt £2,572; 24.9% avg APR; TSB 38 months longest 8 years; BoE 3.75% March 27 2026; fair credit 12–15 months); Smart Credit Flow March 2026 (excellent credit for full 26 months); Which? March/April 2026 (missed payment can end 0% deal); MoneySavingExpert April 2026 (0% Golden Rules: never miss minimum); Uswitch March 2026 (0% period starts from account opening, not first purchase); Compare the Market March 2026 (60–90 day transfer window; cannot transfer between same banking group)

📋 Quick Comparison — All 10 Cards at a Glance

All details verified April 2026 — confirm at each provider before applying. P = Purchase period. BT = Balance Transfer period. UK residents 18+ only. Credit subject to status.

Card	0% Purchase	0% BT	BT Fee	Guaranteed?	Which? Rec?
TSB Platinum Purchase	Up to 26 mths	Up to 18 mths	Check TSB	No (up to)	Candidate
M&S Bank Shopping Plus	25 mths	Limited	Check M&S	Yes (25 mths)	—
Lloyds Bank Purchase	Up to 25 mths	Check	Check Lloyds	No (up to)	Yes 2026
Barclaycard Platinum	Up to 24 mths	Up to 21 mths	3.45%	7/10 get 24	Yes 2026
Halifax Purchase	Up to 25 mths	Check	Check Halifax	No (up to)	—
Tesco BT Card (36 mths)	NOT 0% 36 mths	36 mths BT	3.45%	Yes (BT only)	—
TSB Platinum BT (38 mths)	Not for spending	38 mths BT	3.49%	Check TSB	—
MBNA BT Card (36 mths)	Not primarily	36 mths BT	2.99%	Check MBNA	—
Nationwide BT (30 mths)	15 mths (combo)	30 mths BT	2.99%	Check NW	—
Barclaycard 14-mth No Fee	Check	14 mths BT	0% (no fee)	Check BC	Yes 2026

All figures April 2026. Sources: Which? April 2026; MoneySavingExpert April 2026; Barclaycard, TSB, Tesco Bank, Nationwide, Lloyds, Halifax, M&S Bank, MBNA official websites and press releases. Verify current terms before applying.

❓ Your Questions Answered Plainly

💡 What Does “Representative APR” Mean on UK Credit Cards?

APR stands for Annual Percentage Rate — the total annual cost of borrowing, including the interest rate and any mandatory fees. “Representative APR” means this is the rate that at least 51% of accepted customers will receive. However, up to 49% of customers could be offered a higher rate based on their personal circumstances. Most UK 0% cards carry a representative APR of around 24.9% variable — but this only applies after the promotional 0% period ends. While you are within the 0% window and making at least the minimum monthly payment, you pay zero interest on the promotional balance. The representative APR on the Tesco Bank Balance Transfer Card is 24.9% (variable). On the TSB Platinum Purchase Card it is also 24.9% (variable). On Barclaycard Platinum it ranges depending on which offer you receive. Always read the full Summary Box (a standardised document UK card providers must produce) before applying.

💡 Can I Use a 0% Purchase Card for Balance Transfers — and Vice Versa?

Not automatically — and confusing these two features is one of the most common mistakes. A 0% purchase card gives you 0% on new spending. If you also transfer a balance from another card, the transfer will likely be charged at the standard purchase rate (24.9%+) unless the card also specifically offers a 0% balance transfer deal. A 0% balance transfer card freezes interest on debt moved from other cards. If you then use that card for new shopping, your new purchases may be charged at the standard rate (24.9%+) from day one. Barclaycard Platinum is an example of an “all-rounder” that offers both: up to 24 months 0% on purchases AND up to 21 months 0% on balance transfers (within 60 days). MoneySavingExpert notes that “all-rounder” cards with both features typically have shorter periods on each than standalone cards. Always read the card’s terms carefully and check all the rates before committing.

💡 What Is the HSBC Interest-Free Credit Card?

HSBC offers several credit card products in the UK, including its Purchase Plus Credit Card which includes an interest-free period on purchases. HSBC’s official credit cards page (hsbc.co.uk/credit-cards/products) lists its range, including cards with introductory 0% periods, rewards cards, and student cards. HSBC’s Purchase Plus Card is described as having “no annual fee, an interest-free period and rewards from your favourite brands.” The purchase rate after the promotional period on some HSBC cards is 26.9% p.a. (variable) or 29.9% p.a. depending on the specific card. As of April 2026, HSBC’s purchase 0% periods are generally shorter than the market leaders (TSB’s 26 months or M&S’s 25 months). Always check HSBC’s current offers at hsbc.co.uk — rates and promotional periods change frequently and the specific product range is subject to change. Use HSBC’s eligibility checker to see what deal you are likely to be approved for before applying.

💡 Does Tesco’s 36-Month Card Cover New Purchases or Just Existing Debt?

Existing debt only — this is the single most important thing to understand about Tesco’s 36-month card. Tesco Bank’s official Balance Transfer Credit Card page states clearly: “Guaranteed 36 months 0% interest from the date of account opening” on balance transfers. Any new purchases you make on this card are charged at 24.9% p.a. (variable) from day one. The Tesco Balance Transfer Card is a debt consolidation tool, not a shopping card. If you want to also make new purchases, Tesco offers a separate All Round Credit Card with 14 months 0% on both balance transfers and purchases — a much shorter period, but covering both uses. Tesco also has a standalone Purchase Card offering 10–14 months on new purchases. None of Tesco’s cards offer anywhere near 36 months on purchases. The 36-month deal is exclusively for moving existing debt from other cards and store cards to the Tesco Balance Transfer Card.

💡 How Do I Work Out My Monthly Repayment to Clear a 0% Card in Time?

It is straightforward arithmetic. Divide your total balance by the number of months in the 0% period to find the amount you need to pay each month to clear the balance before the promotional rate ends. Examples using real deals: TSB 26-month purchase card: £2,600 balance ÷ 26 months = £100/month. Tesco 36-month BT card: £3,600 balance ÷ 36 months = £100/month. Barclaycard 24-month card: £1,200 balance ÷ 24 months = £50/month. Don’t forget to include the balance transfer fee in your calculation. On a £3,500 balance transfer to Tesco at 3.45%, your actual balance on the card from day one is £3,500 + £120.75 (the fee) = £3,620.75. Divide £3,620.75 ÷ 36 months = approximately £101/month to clear it within the 0% period. If you can afford only the minimum repayment (usually 2–3% of the balance), you will not clear the balance before the 0% period ends — leading to interest charges on the remainder at the standard rate.

💡 What Happens to My Balance When the 0% Period Ends?

Any remaining balance on the card begins accruing interest at the card’s standard variable APR — typically around 24.9% for most UK market cards. This is applied going forward on the outstanding balance only; there is no retroactive charge on purchases already made during the 0% period. For example, if you have £500 remaining when a 24.9% APR kicks in, and you make no further payments, you would owe approximately £10.38 in interest the first month. This is very different from deferred interest schemes (more common in the US) where interest accumulates throughout the promotional period and is applied retroactively. UK 0% deals are genuine promotional rates — during the 0% period, you truly pay zero interest as long as minimum payments are made. The key action: four to six weeks before your 0% period ends, calculate your remaining balance and plan accordingly. You may be able to shift any remaining balance to a new 0% balance transfer card if your credit score allows.

Sources: FCA (UK credit card APR disclosure rules; Summary Box requirements); tescobank.com (36-month BT; 24.9% purchase rate; all-rounder 14 months; purchase card 10–14 months); hsbc.co.uk/credit-cards (Purchase Plus; no annual fee; interest-free period; 26.9% or 29.9% after promotional period); Uswitch March 2026 (standard revert rate 12%–35%; no retroactive interest on UK 0% cards; min repayment 2%–3%); MoneySavingExpert April 2026 (all-rounders: shorter periods combining both features); Barclaycard official (24 months P + 21 months BT within 60 days; all-rounder); Compare the Market March 2026 (balance from day one includes fee; 60–90 day window); Which? March 2026 (0% period starts from account opening; make purchase quickly); NimbleFins Jan 2026 (Tesco BT 36 months; UK avg APR 24.66%)

📍 Find Free Financial Guidance & Credit Help Near You in the UK

MoneyHelper, Citizens Advice, and StepChange offer free, impartial advice on credit cards, debt management, and financial planning. All are government-backed or regulated charities. Allow location access for the most relevant local results.

Finding financial guidance near you…

✅ MoneySavingExpert’s Five 0% Card Golden Rules (Adapted)

Rule 1: Never miss a minimum monthly payment — set up a Direct Debit from day one. Missing even one minimum payment on a 0% card can trigger the end of your promotional deal, as confirmed by MoneySavingExpert and Which? (April 2026). Set up a Direct Debit immediately after opening the account to pay at least the minimum amount automatically each month. Ideally, set it higher — to the amount calculated to clear your balance within the 0% period.
Rule 2: Clear the entire balance before the 0% period ends. On the day the promotional period expires, any remaining balance starts accruing interest at the card’s standard rate (typically around 24.9%). Set a calendar reminder six weeks before the end date. If you cannot clear the balance in time, consider moving the remaining balance to a new 0% balance transfer card before the period expires — but check your credit score first and remember each application creates a hard search on your credit file.
Rule 3: Do not withdraw cash using a 0% purchase card. Cash withdrawals (ATM withdrawals, buying foreign currency, gambling transactions) are almost never included in the 0% deal. Interest is typically charged from the day of the withdrawal at a rate higher than the standard purchase rate, plus a cash advance fee. If you need cash, use your debit card instead.
Rule 4: Use the eligibility checker before applying — always. Eligibility checkers at card providers (and via MoneySavingExpert, MoneySuperMarket, Compare the Market) show your likelihood of approval and the specific deal you would likely receive using a “soft search” that has no impact on your credit file. A formal application creates a “hard search” that can temporarily lower your score. Knowing in advance whether you are likely to get the full 26-month deal (TSB) or a shorter alternative prevents wasted applications and unnecessary credit file damage.
Rule 5: For balance transfers, complete the transfer within the required window — usually 60–90 days. Tesco Bank gives 90 days to complete balance transfers after opening. Barclaycard requires transfers within 60 days. TSB also has a window — check the specific terms. Miss the window and your transferred balance will likely revert to the standard purchase rate instead of the 0% BT rate. Compare the Market also warns: you cannot transfer a balance between cards issued by the same bank group (e.g., you cannot move from one Lloyds account to another Lloyds card, or from HSBC to First Direct).

🚨 Three Costly Mistakes UK Cardholders Make With 0% Deals

Confusing a balance transfer card with a purchase card — and spending on a BT card. The single most common and expensive error: opening a 0% balance transfer card (like Tesco’s 36-month deal or TSB’s 38-month deal) and then using it for everyday shopping. New purchases on a balance transfer card accrue interest at the standard rate (24.9%+) from day one. In some cases, your minimum monthly payment goes towards the 0% BT balance first — meaning your new purchase balance grows untouched with interest accumulating. Keep your BT card strictly for the transferred debt and use a separate card (or cash/debit) for shopping.
Only making the minimum repayment and assuming the balance will be cleared. The minimum repayment on UK credit cards is typically around 2–3% of the outstanding balance. On a £3,000 balance, that might be £60–£90 per month. At that rate, you will not clear £3,000 in 26 or even 36 months. Always calculate the monthly repayment needed to clear your full balance — including any balance transfer fee — before the 0% period ends. Pay that amount each month, not just the minimum.
Applying for a card without checking your credit score and eligibility first. Every formal credit card application creates a hard search on your credit file that is visible to other lenders for 12 months. Multiple hard searches in a short period signal financial stress to lenders and can reduce your chances of getting a card with the best deals. Always check your free credit score (via Experian, Equifax, or TransUnion — all offer free basic reports) and use the card provider’s soft search eligibility checker before committing to an application. This is especially important for cards advertised as “up to 26 months” where your credit score directly determines how long a deal you actually receive.

© BudgetSeniors.com — This guide is independently researched and written for informational purposes only. We are not affiliated with, compensated by, or endorsed by any credit card provider listed. No provider paid to appear in this guide. All promotional periods, fees, and rates are verified from independent sources as of April 2026 and change frequently — always confirm current terms at each provider’s official website before applying. Credit is subject to status. UK residents aged 18 and over only. This is not financial advice. If you have serious debt problems, contact a free regulated debt charity before applying for new credit. Free UK debt help: MoneyHelper: 0800 138 7777 • moneyhelper.org.uk • StepChange: 0800 138 1111 • stepchange.org • National Debtline: 0808 808 4000 • nationaldebtline.org • Citizens Advice: citizensadvice.org.uk

Primary sources: Which?.co.uk April 1 2026 (TSB 26 months; Lloyds 25 months; Barclaycard/MBNA 24 months; Which? Recommended Providers Lloyds and Barclaycard 2026; 0% vs personal loan 6.9% APR; table correct April 1 2026); Which? March 2 2026 BT guide (38 months some deals; £2,000 BT example saving £941; TSB BT 38 months; table correct March 2 2026); MoneySavingExpert.com April 2026 (TSB 26/22/19 months; M&S 25 months guaranteed all approved; 0% Golden Rules: never miss min, clear before end, no cash; Tesco credit cards guide; all-rounder 14 months); Yahoo Finance / Kate Steere Finder.com April 2026 (TSB 26 months purchases leads; M&S/Lloyds/Halifax 25 months; TSB BT 38 months; MBNA BT 36 months 2.99% lower fee; Barclaycard no-fee 14-month BT; ‘savvy choice could become expensive’); MoneySuperMarket.com April 2026 (TSB BT 38 months; £2,318 example 3.49% fee; BoE base rate 3.75%; avg rep APR 24.9%; correct 31 March 2026); Barclaycard official barclaycard.co.uk (Platinum Purchase: up to 24 months purchases; up to 21 months BT within 60 days; 7/10 customers full period; 20 months or 12 months alternatives; 3.45% BT fee; 31.9% APR alternative; min £250 transfer; min 5 BT; max per credit limit); TSB official tsb.co.uk (Platinum Purchase: 0% up to 26 months purchases; up to 18 months BT; 24.9% rep APR; 24.95% purchase rate; credit limit/promotional period/rates vary per circumstances); Nationwide press release January 21 2026 (30 months longest ever; beats previous by 6 months; 2.99% fee min £5; no late payment fees; fee-free abroad; 15-month combined P+BT card); Uswitch.com March 2026 (0%–26 months range; standard revert rate 12%–35%; min repayment 2%–3%; Section 75 £100–£30,000; period starts account opening); Compare the Market March/April 2026 (60–90 day BT window; 2%–4% fee; cannot transfer within same banking group; miss deadline = standard rate); Axiom Financial March 2026 (TSB 26 months leads; £3,000 = £115/month to clear; TSB BT 38 months longest 8 years; BoE 3.75% March 27 2026; MPC unanimous; avg UK household card debt £2,572; avg rep APR 24.9%; excellent credit for full 26 months; fair credit = 12–15 months; Halifax Clarity travel card; Barclaycard Rewards Visa); Smart Credit Flow March 2026 (TSB 26 months; Lloyds 25 months; Barclaycard 24 months; only excellent credit gets full 26 months; 14.3% monthly increase missed payments FICO); tescobank.com official (BT card: GUARANTEED 36 months; 3.45% fee; 9 months money transfer 3.99%; 90-day window; up to 95% credit limit; purchase rate 24.9% variable; cannot transfer between Tesco Bank cards; min income £5,000; Tesco Bank trading name of Barclays Bank UK PLC; All Round: 14 months guaranteed P+BT+money transfer; Purchase card: 14/12/10 months; Clubcard points 1 per £4 Tesco/fuel; 1 per £8 elsewhere); tescobank.com/credit-cards/balance-transfers-credit-cards (GUARANTEED 36 months confirmed); NimbleFins January/February 2026 (Tesco BT 36 months Jan 2026; 3.45% fee; UK avg card interest 24.66% early 2026; Low APR 12.9% variable Jan 2026; Tesco BT ranked 2nd behind TSB 38 months); MoneySavingExpert Tesco review April 2026 (BT details; credit builder; all-rounder 14 months; purchase card 10–14 months); Bank of England MPC March 19 2026 (unanimous hold at 3.75%; cited in Axiom Financial and MoneySuperMarket); Consumer Credit Act 1974 s.75 (Section 75 joint liability; £100–£30,000 single purchase); MoneyHelper moneyhelper.org.uk (0800 138 7777); StepChange stepchange.org (0800 138 1111); National Debtline nationaldebtline.org (0808 808 4000)

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