Calculate how much you could earn by spending on a 0% credit card and putting the money in a savings account.
Stoozing is a UK money strategy where you spend on a 0% interest credit card instead of your debit card. The money you would have spent stays in a savings account earning interest. Before the 0% period ends, you pay off the card in full. You keep the interest as profit.
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© StoozeMax. Not financial advice.
How much you'll spend on the 0% card instead of your debit card
Length of the 0% interest-free period
Rate on the savings account where you park the money
Current BoE base rate: 3.75% (as of 18 Dec 2025)
Typical easy-access savings rate: ~3.50% (approximate, base rate minus ~0.25%)
Set to 0% if using a 0% purchase card (no fee)
£469.03
Total profit over 24 months
£469.03
Interest earned in savings
£0.00
Transfer fee cost
No fee to earn back
With no transfer fee every month at 0% is profit from the first one. Put a typical 2.9% balance-transfer fee in the box instead and you'd need 8 months at 0% before it paid for itself at 5%. Either way the balance changes how much you make, not whether it works — the interest and the fee both scale with it.
Save this scenario & get card-deadline alerts
Track your 0% card end dates, get reminders 60/30/7 days out, never miss a deadline and pay interest.
No tax due on this alone — £469.03 of interest sits inside the £2,000 of Personal Savings Allowance this term spans (£1,000 × 2 tax years). Interest from other savings uses the same allowance first.
Assumes a 2.5% minimum payment each month, which is typical for UK cards. Those payments come out of your savings, so your balance — and the interest it earns — falls over the term. You'll need £3,268 to clear the card before the 0% period ends.