While you can use zero-fee balance transfer cards for making purchases their main use is to transfer balances from other credit cards. Usually this means moving debts from a card which charges a high rate of interest to one with much lower interest – and sometimes with 0% interest. You can also use your card for money transfers. With a money transfer you can move some of your available credit to your current account – for example to pay off an expensive overdraft, or to use in cash. But you will usually have to pay a fee for this.