0% balance transfer confusion

[Oakandashandthorn]

No formal debt but due to a temporary cash flow issue, I have needed to go significantly into my overdraft each month, for almost all of the month for about 3 months now, about £750 per month. Can I use a 0% balance transfer to help myself stay in the black and not rack up overdraft fees on my current account? My financial situation will definitely improve in the next few months (was just floored by unexpected large bills/temporary loss of income) and I will be able to pay it back within 9 months or so. I'm a bit confused about how they work (even after reading MSE guides etc) - would I just essentially withdraw say £1000 and then not touch the account except to pay back the balance in installments? Thanks!

I've transferred a cash balance to my bank account before is that what you mean?

I'm with barclaycard and they often offer me 0% bank transfers for x months. I've used it to buy a car before as was the cheapest way to borrow money. Just paid it all back before the interest period ran out.

If you mean withdraw money from the cash machine, that's a big no and you will be charged high interest for it.

You need a 0% money transfer deal, not balance transfer. Then you withdraw to your bank.

If you pay for all your normal spending such as food, fuel, day to day incidentals etc on a credit card and set up a direct debit to pay the balance off in full every month, you'll effectively delay these transactions being taken from your current account by 3-7 weeks, which is likely to be enough to keep you out of overdraft unless your spending on these items is very low.

Thank you, I will look into all your suggestions. Much appreciated:-)