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Balance Transfer credit card

The card with 0% for ​13 months and no fee to transfer a balance

Representative 24.9% APR (variable)

Available to UK residents, aged 18+ and earning at least £10K per year

Good for - having no fee to transfer your balances

0% interest for ​13 months on balance transfers

Balances must be transferred within 3 months of account opening.

Your 0% offer starts from account opening, after which standard variable rates apply.

No fee to transfer a balance to this card, and no annual fee.

Use worldwide at Mastercard® locations, in-store and online.

Information Message

0% interest for ​the first 3 months

This offer is available on purchases made and paid off in full in ​the first 3 months of opening your account.

After the offer period ends, standard rates will apply.

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What you should know about balance transfers

Representative example

Purchase rate

24.9%
p.a (variable)

Representative APR

24.9%
(variable)

Assumed credit limit

£1200

Annual fee

£0
Information Message

Check your eligibility

We'll tell you if you'll be approved for this card and your indicative credit limit at the start of your application, with no impact on your credit score.

Compare Balance Transfer cards

How much would you like to transfer?
100
15000
Please enter a transfer amount.
How much can you afford to pay back each month?
0
This is set to 3% of the balance transfer amount to give you an indication of a minimum monthly repayment.
2000
Please enter a payback amount.
Balance Transfer credit card
Purchase & Balance Transfer card
Longer Balance Transfer card

Balance transfer 0% offer period

Balance transfer 0% offer period

Balance transfer 0% offer period

Balance transfer 0% offer period

Cost to transfer

Cost to transfer

Cost to transfer

Cost to transfer

Balance transfer fee

Balance transfer fee

Balance transfer fee

Balance transfer fee

Purchase and Balance Transfer card

Representative example:

Purchase rate: 24.9% p.a (variable)
Representative APR: 24.9% (variable)
Assumed credit limit: £1200
Annual fee: £0

Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.

Information Message

Longer Balance Transfer card

Representative example:

Purchase rate: 24.9% p.a (variable)
Representative APR: 24.9% (variable)
Assumed credit limit: £1200
Annual fee: £0

Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.

Information Message

Managing your credit card

About your 0% offer

If you miss a monthly repayment we won't remove your 0% offer. But you could still be charged a late payment fee. We'll also keep you up to date with regular emails and alerts about your 0% offer expiry and repayments.

Paying your credit card

There are lots of ways you can pay your credit card every month.

Other charges or fees

Some important things you'll need to know about fees and charges.

Card Features

Spread the cost of your purchase

If you’re buying something expensive and you don’t want to use money from your bank account, a credit card Instalment Plan could be a good way to spread the cost.

Ways to pay

There are many convenient ways to pay using the Balance Transfer credit card.

Mobile App Features

Lock and unlock your credit card

Get to know your spending habits

Keep an eye on your credit score

Replace your credit card

Make a balance transfer

What you should know

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Get ready to apply

We'll check your eligibility at the start

We'll ask a couple of questions about you to get started so we can let you know if you'll be approved and the indicative credit limit and interest rate you'll receive.

Don't worry - this doesn't have an impact on your credit score until you decide you want to go ahead with your application.

Please read these important documents

Please take some time to read the important information. By clicking 'Start my application' below, you are confirming that you have been provided with, and have acknowledged our important documents.

All okay? Let's get started

Do you bank with us already?
Let us know if you already have a current account, savings account, credit card or mortgage with Royal Bank of Scotland.
What device are you using?
Are you using your mobile, or something else, to apply for a credit card?
Is our app on the device you’re using right now?
The Royal Bank of Scotland app is the easiest way for you to apply for a credit card. Do you have it on this device?

Great, let's get started

Just a heads up - you'll be asked to log into the Royal Bank of Scotland mobile app to start your credit card application.

Do you have Royal Bank of Scotland digital banking?
If you know your digital banking details we can pre-fill some of your info - making the application process faster.

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Digital Banking, then return to our credit cards page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1.  Log in to Digital Banking.
  2. Choose ‘Credit cards’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our credit card page.
  4. Choose ‘Apply for a credit card’.
  5. Choose ‘let’s start’ (under ‘Ready to apply’).

 

Log in and apply

Let’s get you signed up for Digital Banking

You’ll need to sign up for Digital Banking with us in order to apply for a credit card. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Royal Bank of Scotland Debit Card, if you have one.

Do you have Digital Banking?
Got Digital Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Digital Banking, then return to our credit card page.

How to apply:

(Please take notes or a picture of this, so you remember!)

1.       Log in to Digital Banking.

2.       Choose ‘Credit cards’ (it’s under ‘Our Products’, bottom right).

3.       You’ll return to our credit card page.

4.       Choose ‘Apply for a credit card’.

5.       Choose ‘let’s start’ (under ‘Ready to apply’).

 

Log in and apply

Let’s get you signed up for Digital Banking

You’ll need to sign up for Digital Banking with us in order to apply for a credit card. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Royal Bank of Scotland debit card, if you have one.

You're all set

Just a heads up, if you choose to continue with your application after we give you an indicative limit, our partner Mitek will then check your identity by matching you to your photo ID. If you don’t have your ID to hand you can finish this step later.

To find out more about Mitek and Photo ID, take a look at our FAQs below.

Balance Transfer credit card - FAQs