✅ Up to 32 months of 0% interest on balance transfers
✅ 0% interest on money transfers for the first 12 months
✅ 0% interest on purchases for the first 3 months
✅ Manage your card and track progress in the Virgin Money app
Why the Utua team recommends the Virgin Money Balance Transfer Card
The Virgin Money Balance Transfer Credit Card is one of the strongest tools available for anyone looking to reduce interest costs and pay off existing credit card debt more effectively. At Utua, we often recommend this product to users focused on regaining control of their financial life without added pressure.
With a 0% promotional interest rate on balance transfers for up to 32 months, it offers one of the longest interest-free periods in the UK market. You also get 0% interest on purchases for the first 3 months, and even 12 months of 0% on money transfers, which means you can move funds into your current account for flexibility. That’s a powerful trio of features wrapped in a single card.
Author’s opinion
As someone who studies and reviews credit products daily, I can confidently say the Virgin Money Balance Transfer Card is one of the best options on the market for long-term planning and interest avoidance. Not only does it offer an incredibly generous 0% period of up to 32 months for balance transfers, but it also includes perks like 0% on purchases and money transfers for shorter windows.
That makes it versatile and useful in different stages of debt management. Whether you’re paying off high-interest credit cards, need to make an urgent purchase, or want to buffer your cash flow with a money transfer, this card allows you to do so strategically.
Want to know more about the card?
Click the button below to explore all the features of the Virgin Money Balance Transfer Credit Card. You’ll learn how to move your debt, how the promotional interest periods work, and what fees apply. There’s also guidance on using the Virgin Money app to track payments and set reminders.