How to transfer money from credit card to debit card without any charges?

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Transferring money from a credit card to a debit card without any charges can be a convenient way to access funds or pay off debts. However, it is essential to understand the process and potential fees involved to make an informed decision. In this article, we will explore various methods to transfer money from a credit card to a debit card without incurring any charges.

Method 1: Balance Transfer

What is a balance transfer? A balance transfer involves moving the outstanding balance from one credit card to another. In this case, we will transfer the balance from a credit card to a debit card.

1. Check if your debit card provider allows balance transfers: Not all debit card providers offer this service, so it is crucial to inquire with your bank or financial institution.

2. Find a credit card with a 0% balance transfer offer: Look for credit cards that offer a promotional period with 0% interest on balance transfers. This will help you avoid any interest charges during the transfer.

3. Apply for the credit card: Once you have found a suitable credit card, apply for it and wait for approval. Ensure that the credit limit is sufficient to accommodate the balance transfer.

4. Initiate the balance transfer: Once you receive your new credit card, contact the credit card issuer and provide them with the necessary details to initiate the balance transfer. This typically includes the debit card details and the amount you wish to transfer.

5. Repay the credit card balance: After the balance transfer is complete, it is crucial to repay the credit card balance within the promotional period to avoid any interest charges.

Method 2: Peer-to-Peer Payment Apps

What are peer-to-peer payment apps? Peer-to-peer payment apps allow users to transfer money between individuals using their credit or debit cards.

1. Choose a peer-to-peer payment app: There are several popular peer-to-peer payment apps available, such as Venmo, PayPal, or Cash App. Research and select the app that best suits your needs.

2. Link your credit card and debit card: Once you have chosen a payment app, link your credit card and debit card to the app. Follow the app’s instructions to complete the verification process.

3. Initiate the transfer: After linking your cards, you can initiate a transfer from your credit card to your debit card within the app. Enter the desired amount and confirm the transaction.

4. Check for any fees: While many peer-to-peer payment apps offer free transfers between friends or family, there may be fees involved when transferring from a credit card to a debit card. Ensure you review the app’s terms and conditions to understand any potential charges.

Method 3: Prepaid Debit Cards

What are prepaid debit cards? Prepaid debit cards are reloadable cards that can be used for purchases or ATM withdrawals. They can also be an option for transferring money from a credit card without charges.

1. Obtain a prepaid debit card: Look for a reputable prepaid debit card provider and obtain a card. Ensure that the provider allows funding the card using a credit card.

2. Fund the prepaid debit card: Once you have the prepaid debit card, use your credit card to load funds onto the card. Follow the provider’s instructions to complete the transaction.

3. Use the prepaid debit card: Once the funds are loaded onto the prepaid debit card, you can use it for purchases or withdraw cash from ATMs. Keep in mind that some providers may charge fees for certain transactions, so it is essential to review the terms and conditions.


Transferring money from a credit card to a debit card without any charges can be done through methods such as balance transfers, peer-to-peer payment apps, or using prepaid debit cards. It is crucial to carefully review the terms and conditions of each method to understand any potential fees involved. Additionally, it is important to repay any credit card balances promptly to avoid interest charges.


– PayPal:
– Venmo:
– Cash App: