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The Best 0% Balance Transfer Credit Cards with No Fee

Updated: 30th September 2020

A 0% balance transfer credit card can be great because you benefit from not paying interest on the balance transferred for the 0% introductory period. While that can be an enormous saving, credit card companies felt that this move simply wasn’t competitive enough. They either had to extend the term of the 0% interest rate or lower the balance transfer fee. In the spirit of being competitive, some brave companies do away with this fee entirely.

On this page, we’ve listed some of the top 0% balance transfer cards that have no fee for balance transfers during the promotional period. This means more financial freedom for you, and no nasty surprises in terms of an excessive transfer fee when the statement rolls around.


Credit card offers from our affiliate partners appear first and are ordered from highest rating to lowest, followed by other top-rated offers. You can read more about our ratings and page sort here. Offers from affiliate partners are marked with *

 

While the 0% transfer fee is a great place to start differentiating between the good and the not-so-great, you’ll want to ensure that the other aspects of the card offer are in your best interest. For instance, the interest rate you’ll pay on new purchases, whether the card offers other rewards and perks, and if there are costs that may erode the benefits of the 0% transfer fee. It’s also important to compare the time period the 0% balance transfer is valid for, as this could impact the amount of time you have to pay the balance off. Here are MyWalletHero’s picks for the best no-fee balance transfer cards:

Great for: Royal Bank customers consolidating debt
3 stars question mark
Royal Bank of Scotland credit card
Apply Now!

On The Royal Bank of Scotland's Secure Website

* Affiliate partner

The Royal Bank Balance Transfer Credit Card may be an enticing offer for current Royal Bank customers. In fact, you have to be a current customer (current account, savings account, credit card or mortgage) to apply for this card. For those that are, this could be a good way to bring existing credit card debt all to one place and get 1.5 years of 0% interest to pay it down. 

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 18 months (starting from account opening) on balance transfers made in the first 3 months
  • 0.49% balance transfer fee
  • 0% interest on purchases over the first 3 months
  • No annual fee
  • Note: You must be a current Royal Bank of Scotland customer (current account, savings account, credit card or mortgage), be a UK resident and make at least £10k per year to apply

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Assumed credit limit £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 0% interest for 18 months (starting from account opening) on balance transfers made in the first 3 months
  • No annual fee
  • 0% interest on purchases over the first 3 months
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    0% interest for 18 months from account opening on balance transfers made in the first 3 months

    0% interest on purchases for 3 months

KEY SCORES:

  • 2/5 Perks
  • 3/5Fees
  • 4/5APR

HIGHLIGHTS

  • 0% interest for 18 months (starting from account opening) on balance transfers made in the first 3 months
  • 0.49% balance transfer fee
  • 0% interest on purchases over the first 3 months
  • No annual fee
  • Note: You must be a current Royal Bank of Scotland customer (current account, savings account, credit card or mortgage), be a UK resident and make at least £10k per year to apply

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Assumed credit limit £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: NatWest customers consolidating debt
3 stars question mark
NatWest credit card
Apply Now!

On NatWest's Secure Website

* Affiliate partner

NatWest customers interested in consolidating credit card debt and getting 1.5 years of 0% interest on their balance transfer may want to check out the NatWest Balance Transfer Credit Card offer. In NatWest fashion, this is a simple, straightforward offer. The 18 months of 0% provides a good amount of time to pay down a lingering balance, though there’s now a balance transfer fee of 0.49%. Note that you must be a current NatWest current account, savings account, credit card or mortgage customer to apply.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 18 months (starting from account opening) on balance transfers made in the first 3 months
  • 0.49% balance transfer fee
  • 0% interest on purchases over the first 3 months
  • No annual fee
  • Note: You must be a current NatWest customer (current account, savings account, credit card or mortgage), be a UK resident and earn at least £10k per year to apply

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Assumed credit limit £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

what we like

  • 0% interest for 18 months (starting from account opening) on balance transfers made in the first 3 months
  • No annual fee
  • 0% interest on purchases over the first 3 months
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    0% interest for 18 months from account opening on balance transfers made in the first 3 months

    0% interest on purchases for 3 months

KEY SCORES:

  • 2/5 Perks
  • 3/5Fees
  • 4/5APR

HIGHLIGHTS

  • 0% interest for 18 months (starting from account opening) on balance transfers made in the first 3 months
  • 0.49% balance transfer fee
  • 0% interest on purchases over the first 3 months
  • No annual fee
  • Note: You must be a current NatWest customer (current account, savings account, credit card or mortgage), be a UK resident and earn at least £10k per year to apply

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Assumed credit limit £1,200

* This is an offer from one of our affiliate partners. Click here to learn more about why and how we work with partners.

Great for: 0% offers, cashback and travel benefits in one card
5 stars question mark

A highly multi-functional card that should serve a wide variety of users. The All in One card offers 26-month 0% periods on both balance transfers and purchases. During the promotional period, there’s no balance transfer fee — a very nice benefit. For travellers, there’s no foreign transaction fee. And if that’s not enough, the card offers cashback rewards as well. Cardholders get 0.5% cashback on all spend. The only major drawback is that there is a fee on this card of £3 per month (£36 annually).

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 26 months from account opening on balance transfers
  • No balance transfer fee
  • 0% interest for 26 months from account opening on purchases
  • 0.5% cashback on all purchases
  • No foreign transaction fee (if you pay in local currency)
  • Special cashback offers of up to 15% with Retailer Offers (you must sign up for this)
  • Note: You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a guaranteed annual income of £7,500 or more (before
    tax), have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years.

REPRESENTATIVE EXAMPLE

15.9% p.a. (variable) on card purchases. This is equivalent to 21.7% APR representative (variable) based on an assumed credit limit of £1,200. Monthly fee: £3.

what we like

  • 0% interest for 26 months from account opening on balance transfers
  • 0% interest for 26 months from account opening on purchases
  • 0.5% cashback on all purchases
  • ANNUAL FEE:

    £36
  • REPRESENTATIVE APR:

    21.7%
  • INTRO OFFER:

    0% interest for 26 months from account opening on balance transfers

    0% interest for 26 months from account opening on purchases

KEY SCORES:

  • 5/5 Perks
  • 4/5Fees
  • 5/5APR

HIGHLIGHTS

  • 0% interest for 26 months from account opening on balance transfers
  • No balance transfer fee
  • 0% interest for 26 months from account opening on purchases
  • 0.5% cashback on all purchases
  • No foreign transaction fee (if you pay in local currency)
  • Special cashback offers of up to 15% with Retailer Offers (you must sign up for this)
  • Note: You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a guaranteed annual income of £7,500 or more (before
    tax), have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years.

REPRESENTATIVE EXAMPLE

15.9% p.a. (variable) on card purchases. This is equivalent to 21.7% APR representative (variable) based on an assumed credit limit of £1,200. Monthly fee: £3.

Great for: Balance transfers with no fee
4.5 stars question mark

Santander’s Everyday Card stacks up really well against the competition. 18 months of 0% interest on balance transfers is not at the very top end of the scale, but this comes without a fee on balance transfers. The three months of 0% interest on purchases is a bit shorter than some competing cards, but it’s still nice to get that 0% purchase period. As a sweetener, there are cashback awards available from companies like Costa Coffee, Subway, and Morrisons through Santander’s ‘Retailer Offers’.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 18 months on balance transfers
  • No fee for balance transfers
  • 0% interest for the first 3 months on purchases
  • Special retailer cashback offers
  • Note: You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a guaranteed annual income of £7,500 or more (before
    tax), have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years.

REPRESENTATIVE EXAMPLE

18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on an assumed credit limit of £1,200.

what we like

  • 0% interest for 18 months on balance transfers
  • No fee for balance transfers
  • 0% interest for the first 3 months on purchases
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    18.9%
  • INTRO OFFER:

    0% on Balance Transfers for 18 months
    0% on Purchases for 3 months

KEY SCORES:

  • 2/5 Perks
  • 4.5/5Fees
  • 4.5/5APR

HIGHLIGHTS

  • 0% interest for 18 months on balance transfers
  • No fee for balance transfers
  • 0% interest for the first 3 months on purchases
  • Special retailer cashback offers
  • Note: You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a guaranteed annual income of £7,500 or more (before
    tax), have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years.

REPRESENTATIVE EXAMPLE

18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on an assumed credit limit of £1,200.

Great for: Balance transfers with no fee
4.5 stars question mark

There’s a lot to like with the Sainsbury’s Bank balance transfer card. Cardholders get 16 months of 0% interest on balance transfers along with fee-free balance transfers over the first three months. In addition, cardholders can also take advantage of 0% interest on purchases over the first three months. And like other Sainsbury’s cards, users get perks in the form of Nectar points.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest on balance transfers for the first 16 months
  • No fee on balance transfers made in the first 3 months
  • 0% interest on purchases for the first 3 months
  • Up to 7,500 bonus Nectar points in first 2 months

REPRESENTATIVE EXAMPLE

Purchase rate is 20.95% p.a. variable
With a representative 20.9% APR variable
Assumed credit limit £1,200

what we like

  • 0% interest on balance transfers for the first 16 months
  • No fee on balance transfers made in the first 3 months
  • 0% interest on purchases for the first 3 months
  • Up to 7,500 bonus Nectar points in first 2 months
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    20.9%
  • INTRO OFFER:

    0% on balance transfers for 16 months
    0% on purchases for 3 months

KEY SCORES:

  • 4/5 Perks
  • 3/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest on balance transfers for the first 16 months
  • No fee on balance transfers made in the first 3 months
  • 0% interest on purchases for the first 3 months
  • Up to 7,500 bonus Nectar points in first 2 months

REPRESENTATIVE EXAMPLE

Purchase rate is 20.95% p.a. variable
With a representative 20.9% APR variable
Assumed credit limit £1,200
Great for: 0% on purchases and balance transfers, no balance-transfer fee
4.5 stars question mark

The Tesco Bank 12 Month All Round Credit Card succeeds by being just what the name says: a good all-round option. You can find longer 0% interest periods elsewhere, but 12 months of 0% on purchases, balance transfers, and money transfers is a nice combination. No balance transfer fee adds to the appeal, as does the ability to earn Clubcard points.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers and money transfers made in the first 90 days
  • No annual fee
  • No balance transfer fee (3.94% money transfer fee)
  • 1 Tesco Clubcard point for every £1 spent at Tesco and for every £8 spent elsewhere

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Based on borrowing £1,200

what we like

  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers and money transfers made in the first 90 days
  • No annual fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    0% interest for 12 months on purchases, balance transfers and money transfers

KEY SCORES:

  • 4/5 Perks
  • 3/5Fees
  • 4/5APR

HIGHLIGHTS

  • 0% interest for 12 months on purchases
  • 0% interest for 12 months on balance transfers and money transfers made in the first 90 days
  • No annual fee
  • No balance transfer fee (3.94% money transfer fee)
  • 1 Tesco Clubcard point for every £1 spent at Tesco and for every £8 spent elsewhere

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.9% p.a. (variable)
Based on borrowing £1,200
Great for: Balance transfers with no fee
3 stars question mark

This Halifax Balance Transfer card strikes a nice balance between offering 15 months of 0% interest on balance transfers, along with no-fee balance transfers over the first 90 days. A nice additional perk is a 6-month window for 0% interest on purchases. In all, this is a nice choice for those looking for some time to pay down balances without racking up extra interest charges.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 15 months on balance transfers
  • No fees on balance transfers in first 90 days
  • 0% interest on purchases for the first 6 months

REPRESENTATIVE EXAMPLE

A variable representative of 19.9% APR
A variable annual purchase rate of 19.95% p.a.
Based on borrowing £1,200 over 12 months

what we like

  • 0% interest for 15 months on balance transfers
  • No fees on balance transfers in first 90 days
  • 0% interest on purchases for the first 6 months
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    0% for 15 months on balance transfers
    No fees on balance transfers first 90 days

KEY SCORES:

  • 2.5/5 Perks
  • 3/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest for 15 months on balance transfers
  • No fees on balance transfers in first 90 days
  • 0% interest on purchases for the first 6 months

REPRESENTATIVE EXAMPLE

A variable representative of 19.9% APR
A variable annual purchase rate of 19.95% p.a.
Based on borrowing £1,200 over 12 months
Great for: Balance transfers with no fee
2 stars question mark

Simple is good, and with this Lloyds Bank Platinum balance transfer card you get 15 months of 0% interest on balance transfers and you pay no fee on balances transferred within the first 90 days. In addition, cardholders get an extra kicker of 6 months 0% interest on purchases. If you’re looking to consolidate credit, simplify, or just give yourself some more flexibility on paying down balances, this could be a nice choice.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for the first 15 months on balance transfers
  • 0% interest on purchases over the first 6 months

REPRESENTATIVE EXAMPLE

A variable annual purchase rate of 19.94%
A variable representative 19.9% APR
Based on borrowing (over 12 months) £1,200
An annual fee of £0

Credit limits and interest rates vary based on your individual circumstances.

what we like

  • 0% interest for the first 15 months on balance transfers
  • 0% interest on purchases over the first 6 months
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    15 months 0% interest on balance transfers
    6 months 0% interest on purchases

KEY SCORES:

  • 1/5 Perks
  • 3/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest for the first 15 months on balance transfers
  • 0% interest on purchases over the first 6 months

REPRESENTATIVE EXAMPLE

A variable annual purchase rate of 19.94%
A variable representative 19.9% APR
Based on borrowing (over 12 months) £1,200
An annual fee of £0

Credit limits and interest rates vary based on your individual circumstances.


What is a balance transfer fee?

It might be handy to know what a 0% balance transfer card is before explaining the transfer fee. A 0% balance transfer card allows you to transfer balances from your other credit cards to the new card, and pay 0% interest on those transferred balances for a specified period of time. Many credit companies charge a fee for this transfer, and that fee is called the balance transfer fee. The norm is a fee of around 3% to as much as 5%, but it can be even higher so it’s worth checking the fine print to ensure that you’re willing to take on that fee.

How do we determine which cards are the best?

At MyWalletHero, we understand that your reason for searching for that 0% balance transfer fee might not be the same as for the next person. For this reason, we use a number of factors to determine our ratings, so that they will be helpful to as many readers as possible. Of course, everyone’s individual circumstances are different, so in addition to our ratings, you should consider a credit card’s features yourself to confirm that it meets your needs. In some cases, a card we rate well may simply not fit your needs, while a card that we give a lower score may actually be a better match for you.

Here are the factors you should consider for these no-fee balance transfer cards:

  • The introductory 0% term – When you opt for a 0% balance transfer card that happens to not charge that balance transfer fee, it usually means that you’re sacrificing the longer 0% terms. When comparing the best no-fee balance transfer cards on the market, you need to make sure that the introductory 0% period is long enough to fit your needs. It’s important to compare the actual cost of the balance transfer fee compared to the potential cost of paying interest on the balance if you’re unable to pay it down in that specified period if the term offered is too short.
  • Interest rates – Your representative APR is the rate that will kick in once the introductory rate expires. On 0% balance transfer cards, there’s no APR on that balance that’s transferred, however, there could be an applicable APR on new purchases. Some credit cards also feature a 0% APR on new purchases for a period of time, but usually not as long as with the 0% balance transfer. For instance, a credit card company might offer 0% balance transfer for 24 months, along with 0% APR on new purchases for six months. After the six-month period, an APR of 21% applies to new purchases and will also be the rate once the 24-month balance transfer period ends. It’s important to take note of this rate and make sure it’s competitive with other offers you’re considering.
  • Other card benefits – If you’re a frequent traveller, things that might stand out for you are perks such as airport lounge access and flyer perks. Other perks that might appeal to some consumers include retailer loyalty points, cashback, and more. These are not a primary consideration when choosing among no-fee balance transfer cards, but they’re well worth considering when comparing a card that has extra perks to one that doesn’t.
  • That standout feature that’s hard to beat – Some cards offer that one perk that makes it hard to beat, such as no interest on money transfers or no annual fee. This feature might be the deciding factor in your card application journey and the 0% balance transfer or no balance transfer fees are just a bonus. This standout feature will likely depend on your personal circumstances, so consider what’s really important to you.

Why a full comparison of these cards are critical before the decision-making happens

We get it, you want to pick a card, and move on. There are young children to be chased, meals to be cooked, football to be watched, and holidays to be planned. Fun stuff. But it’s important to take some time to consider your choices before moving forward with any card.

Here’s why:

  • You might end up paying more than you anticipated – While there are definite savings when you apply for a 0% balance transfer card that also happens to have no transfer fee, it’s important to check the other fees before making a decision. Fees such as money transfer fees, annual card fees, and foreign exchange fees can quickly add up if you’re not expecting them. It’s also important to choose a card that you’ll be able to comfortably manage once that APR kicks in, especially if you’re unable to pay off the entire balance.
  • Complying with those terms and conditions – The one thing that could derail the benefits of these cards is not understanding the terms and conditions of the offer. For instance, many of these cards require you to transfer your balance within a specified time period, usually 90 days. It’s also important to meet the general terms and conditions of the card to ensure the benefits apply, such as keeping up with the payments and paying the card on time. If you don’t, you might not only incur fees, but you may lose your 0% introductory period.
  • Choosing a specific credit card company might offer other benefits – Some credit card companies might have special partnerships with other companies that could result in additional benefits. For instance, some banks offer their existing clients access to specific cards that might not be available to non-clients. It also helps to see whether offers with partners might grant cardholders access to services and products that would be to their benefit. This will depend on your habits and circumstances, so consider things like where you bank, where you commonly shop, and what airlines you like to fly.
  • Understand your maximum limits – One other detail to consider when applying for a credit card is whether the maximum credit limit will be enough. This is because there might be a cap on the balance you can transfer. Some cards limit the balance transfer amount to around 95% of the card limit. So you’ll want to make sure that the credit limit is high enough that you’ll be able to transfer your balances in full.

Making the most of your 0% balance transfer credit card

It’s important to make the most of the balance transfer period, as this can allow you to save quite a large portion of interest. It could also help you get out of debt, without the burden of an interest rate for that introductory period. But in order to make the most of this kind of card, there are two critical things that you need to keep in mind.

First, think through how much time you’ll need to pay down your balances. Be conservative when doing this, as you want to leave yourself some breathing room for life’s inevitable ‘surprises’. The aim here is to avoid having a balance left on your card when the 0% introductory period is over, since at that point you’d have to pay the card’s standard interest rate on your remaining debt.

Second, you need to pay close attention to the window for making your transfers. In many cases, there’s a certain window for taking advantage of the no-fee transfers, so you’ll need to attend to that if you want to avoid paying a balance transfer fee. But even more important, often there is a limited window in which to make your 0% balance transfer at all. If you don’t make your transfers within that window, you don’t get the 0% rate on your transferred balances. And bear in mind, that the ticking clock on that window usually starts as soon as you are approved, not when you actually receive your card.

Is the 0% balance transfer fee the most important thing to look out for?

This may seem obvious, but it bears mentioning. If you have outstanding credit card balances to transfer, a no-fee balance transfer card can be a great choice. But if you don’t have outstanding balances, or your balances are low enough that you can reasonably pay them down in a very short period of time, the 0% balance transfer feature — fee or not — may not make sense for you.

In that case, you may want to consider a card that offers other benefits that may be better suited to your needs. Look out for cards that partner with brands that you support, or offer cashback, or allow you to make use of unique services and products instead. Again, the 0% period and no transfer fee is only a benefit to you if there’s a balance to transfer.

Is a 0% balance transfer card with no fee right for you?

A credit card with a 0% balance transfer fee and no fee on the transfer? What’s not to like? I hope I’ve made clear here that the answer to that lies in your own financial situation. Sure, a no-fee balance transfer card can be great. But it has to fit your needs.

The ideal scenario for a no-transfer-fee card, is someone that has an amount of outstanding credit card debt that they can pay off in a short- to medium-term timeframe. That is, if you think you could pay down your debt in the course of a year or less, than you may be a good candidate for a card that’ll give you 0% interest on your transferred debt and charge you no fee to bring that balance over to the new card.

However, if your debt is enough that you’re not sure you can pay it off in a shorter timeframe, then a no-fee balance transfer card may not be the best bet. Cards that don’t carry a balance transfer fee don’t have the longest 0% periods on the market, and if you anticipate needing a long time to pay down your debt, going for a card with a shorter 0% term may mean you get caught paying the standard APR, and that can eat up any balance transfer fee savings very quickly.

Similarly, if you don’t have much (or any!) credit card debt, then there’s really no reason to bother with a balance transfer card. Instead, you can look for cards that’ll reward you with points or cashback, or go for a card with a 0% purchases period if you have a big purchase coming up that you’d like to pay down over time.

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The Motley Fool receives compensation from some advertisers who provide products and services that may be covered by our editorial team. It’s one way we make money. But know that our editorial integrity and transparency matters most and our ratings aren’t influenced by compensation. The statements above are The Motley Fool’s alone and have not been provided or endorsed by bank advertisers. The Motley Fool has recommended shares in Lloyds, Tesco and Barclays.