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Compare our credit cards
with 0% on balance
transfers

To apply, you must hold a current account, savings account, credit card or mortgage with Royal Bank of Scotland, be a UK resident, aged 18+ and earning at least £10K per year
On this page
Balance transfer credit cards
Check your eligibility
Calculate your repayments
How do balance transfers work?
See our full credit card range

What is a balance transfer credit card?

A balance transfer is when you move a credit card balance from one credit card provider to another. This type of offer could help reduce your monthly credit card payments, or clear your debt quicker. If you're paying interest on other credit cards or store cards, you could save money by transferring your balance to one of our balance transfer credit cards.

Balance Transfer credit card

Good for - transferring a balance with a low fee

0% for 18 months from account opening on balance transfers made within the first 3 months, after which standard rates apply

0.49% balance transfer fee applies

0% on purchases for 3 months from account opening, after which standard rates apply


Representative example

 

Purchase rate: 19.9% p.a (variable)
Representative APR: 19.9% (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.

Find out more and apply

Longer Balance Transfer Card

Good for - more time to pay your balance off

0% for 23 months from account opening on balance transfers made within the first 3 months, after which standard rates apply

1.99% balance transfer fee applies

0% on purchases for 3 months from account opening, after which standard rates apply


Representative example

 

Purchase rate: 19.9% p.a (variable)
Representative APR: 19.9% (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.

Find out more and apply

What you should know about balance transfers

To enjoy our 0% offer on balance transfers, you need to make your transfers within the first 3 months.

Balance transfers are limited to 95% of your available credit limit. Minimum balance transfer amount is £100.

You can transfer your balance from most credit cards and store cards, except other NatWest Group cards.

Calculate your repayments

To decide which card is right for you, you could calculate the amount you'll need to pay back each month to pay off your balance in full, before the 0% offer ends.

Representative APR
0% purchase period
0% interest period
Balance transfer fee
Cost to transfer a balance
Monthly repayment

Balance Transfer card

19.9% (variable)
First 3 months
18 months from account opening
0.49%
£2.45
£27.91 per month for 18 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
23 months from account opening
1.99%
£9.95
£22.17 per month for 23 months
This calculation is for illustrative purposes only and based on balance transfers being made at account opening. Examples could change depending on when you transfer your balance, how you manage your credit card, your repayments and your account activity. When your 0% offers end, you'll pay your purchase rate on any new purchases or remaining balances.

Representative APR
0% purchase period
0% interest period
Balance transfer fee
Cost to transfer a balance
Monthly repayment

Balance Transfer card

19.9% (variable)
First 3 months
18 months from account opening
0.49%
£4.90
£55.83 per month for 18 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
23 months from account opening
1.99%
£19.90
£44.34 per month for 23 months
This calculation is for illustrative purposes only and based on balance transfers being made at account opening. Examples could change depending on when you transfer your balance, how you manage your credit card, your repayments and your account activity. When your 0% offers end, you'll pay your purchase rate on any new purchases or remaining balances.

Representative APR
0% purchase period
0% interest period
Balance transfer fee
Cost to transfer a balance
Monthly repayment

Balance Transfer card

19.9% (variable)
First 3 months
18 months from account opening
0.49%
£7.35
£83.74 per month for 18 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
23 months from account opening
1.99%
£29.85
£66.52 per month for 23 months
This calculation is for illustrative purposes only and based on balance transfers being made at account opening. Examples could change depending on when you transfer your balance, how you manage your credit card, your repayments and your account activity. When your 0% offers end, you'll pay your purchase rate on any new purchases or remaining balances.

Representative APR
0% purchase period
0% interest period
Balance transfer fee
Cost to transfer a balance
Monthly repayment

Balance Transfer card

19.9% (variable)
First 3 months
18 months from account opening
0.49%
£9.80
£111.66 per month for 18 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
23 months from account opening
1.99%
£39.80
£88.69 per month for 23 months
This calculation is for illustrative purposes only and based on balance transfers being made at account opening. Examples could change depending on when you transfer your balance, how you manage your credit card, your repayments and your account activity. When your 0% offers end, you'll pay your purchase rate on any new purchases or remaining balances.

Representative APR
0% purchase period
0% interest period
Balance transfer fee
Cost to transfer a balance
Monthly repayment

Balance Transfer card

19.9% (variable)
First 3 months
18 months from account opening
0.49%
£12.25
£139.57 per month for 18 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
23 months from account opening
1.99%
£49.75
£110.86 per month for 23 months
This calculation is for illustrative purposes only and based on balance transfers being made at account opening. Examples could change depending on when you transfer your balance, how you manage your credit card, your repayments and your account activity. When your 0% offers end, you'll pay your purchase rate on any new purchases or remaining balances.

Representative APR
0% purchase period
0% interest period
Balance transfer fee
Cost to transfer a balance
Monthly repayment

Balance Transfer card

19.9% (variable)
First 3 months
18 months from account opening
0.49%
£14.70
£167.48 per month for 18 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
23 months from account opening
1.99%
£59.70
£133.03 per month for 23 months
This calculation is for illustrative purposes only and based on balance transfers being made at account opening. Examples could change depending on when you transfer your balance, how you manage your credit card, your repayments and your account activity. When your 0% offers end, you'll pay your purchase rate on any new purchases or remaining balances.

Representative APR
0% purchase period
0% interest period
Balance transfer fee
Cost to transfer a balance
Monthly repayment

Balance Transfer card

19.9% (variable)
First 3 months
18 months from account opening
0.49%
£17.15
£195.40 per month for 18 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
23 months from account opening
1.99%
£69.65
£155.20 per month for 23 months
This calculation is for illustrative purposes only and based on balance transfers being made at account opening. Examples could change depending on when you transfer your balance, how you manage your credit card, your repayments and your account activity. When your 0% offers end, you'll pay your purchase rate on any new purchases or remaining balances.

Representative APR
0% purchase period
0% interest period
Balance transfer fee
Cost to transfer a balance
Monthly repayment

Balance Transfer card

19.9% (variable)
First 3 months
18 months from account opening
0.49%
£19.60
£223.31 per month for 18 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
23 months from account opening
1.99%
£79.60
£177.37 per month for 23 months
This calculation is for illustrative purposes only and based on balance transfers being made at account opening. Examples could change depending on when you transfer your balance, how you manage your credit card, your repayments and your account activity. When your 0% offers end, you'll pay your purchase rate on any new purchases or remaining balances.

Representative APR
0% purchase period
0% interest period
Balance transfer fee
Cost to transfer a balance
Monthly repayment

Balance Transfer card

19.9% (variable)
First 3 months
18 months from account opening
0.49%
£22.05
£251.23 per month for 18 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
23 months from account opening
1.99%
£89.55
£199.55 per month for 23 months
This calculation is for illustrative purposes only and based on balance transfers being made at account opening. Examples could change depending on when you transfer your balance, how you manage your credit card, your repayments and your account activity. When your 0% offers end, you'll pay your purchase rate on any new purchases or remaining balances.

Representative APR
0% purchase period
0% interest period
Balance transfer fee
Cost to transfer a balance
Monthly repayment

Balance Transfer card

19.9% (variable)
First 3 months
18 months from account opening
0.49%
£24.50
£279.14 per month for 18 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
23 months from account opening
1.99%
£99.50
£221.72 per month for 23 months
This calculation is for illustrative purposes only and based on balance transfers being made at account opening. Examples could change depending on when you transfer your balance, how you manage your credit card, your repayments and your account activity. When your 0% offers end, you'll pay your purchase rate on any new purchases or remaining balances.

Representative APR
0% purchase period
0% interest period
Balance transfer fee
Cost to transfer a balance
Monthly repayment

Balance Transfer card

19.9% (variable)
First 3 months
18 months from account opening
0.49%
£29.40
£334.97 per month for 18 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
23 months from account opening
1.99%
£119.40
£266.06 per month for 23 months
This calculation is for illustrative purposes only and based on balance transfers being made at account opening. Examples could change depending on when you transfer your balance, how you manage your credit card, your repayments and your account activity. When your 0% offers end, you'll pay your purchase rate on any new purchases or remaining balances.

Representative APR
0% purchase period
0% interest period
Balance transfer fee
Cost to transfer a balance
Monthly repayment

Balance Transfer card

19.9% (variable)
First 3 months
18 months from account opening
0.49%
£34.30
£390.79 per month for 18 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
23 months from account opening
1.99%
£139.30
£310.40 per month for 23 months
This calculation is for illustrative purposes only and based on balance transfers being made at account opening. Examples could change depending on when you transfer your balance, how you manage your credit card, your repayments and your account activity. When your 0% offers end, you'll pay your purchase rate on any new purchases or remaining balances.

Representative APR
0% purchase period
0% interest period
Balance transfer fee
Cost to transfer a balance
Monthly repayment

Balance Transfer card

19.9% (variable)
First 3 months
18 months from account opening
0.49%
£39.20
£446.62 per month for 18 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
23 months from account opening
1.99%
£159.20
£354.75 per month for 23 months
This calculation is for illustrative purposes only and based on balance transfers being made at account opening. Examples could change depending on when you transfer your balance, how you manage your credit card, your repayments and your account activity. When your 0% offers end, you'll pay your purchase rate on any new purchases or remaining balances.

Representative APR
0% purchase period
0% interest period
Balance transfer fee
Cost to transfer a balance
Monthly repayment

Balance Transfer card

19.9% (variable)
First 3 months
18 months from account opening
0.49%
£44.10
£502.45 per month for 18 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
23 months from account opening
1.99%
£179.10
£399.09 per month for 23 months
This calculation is for illustrative purposes only and based on balance transfers being made at account opening. Examples could change depending on when you transfer your balance, how you manage your credit card, your repayments and your account activity. When your 0% offers end, you'll pay your purchase rate on any new purchases or remaining balances.

Representative APR
0% purchase period
0% interest period
Balance transfer fee
Cost to transfer a balance
Monthly repayment

Balance Transfer card

19.9% (variable)
First 3 months
18 months from account opening
0.49%
£49
£558.28 per month for 18 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
23 months from account opening
1.99%
£199
£443.43 per month for 23 months
This calculation is for illustrative purposes only and based on balance transfers being made at account opening. Examples could change depending on when you transfer your balance, how you manage your credit card, your repayments and your account activity. When your 0% offers end, you'll pay your purchase rate on any new purchases or remaining balances.

A simple example to help you calculate

In this example, we'll show you how much you would need to repay if you transferred £4,400 to our Longer Balance Transfer Card.

Check the fee

First, you'll need to make a note of the fee to transfer a balance (if there is one). In this example, there is a 1.99% fee.

Calculate

Next, divide £4,400 by 100, then times by 1.99. In this example, the fee will be £87.56. So, the total amount you'll owe including the fee is £4,487.56.

Repay

Lastly, divide £4,487.56 by 23 (the offer period). This means you'll need to repay £195.11 per month to pay off the card before the 0% offer period ends.

Balance Transfer credit card

Good for - transferring a balance with a low fee

Find out more and apply

Longer Balance Transfer Card

Good for - more time to pay your balance off

Find out more and apply

How do balance transfers work?

What you'll need

First, we'll ask you for the long card number of the card you wish to transfer a balance from. You'll then need to decide how much you want to transfer.

Transfer a balance when you apply

The quickest and easiest way to do a balance transfer is during your application where you can transfer balances from up to 5 cards.

Transfer a balance after applying

If you'd rather wait until after you've applied to do a balance transfer, you can use the Royal Bank mobile app, or call the number on the back of your card. (Mobile app criteria apply)

There's no need to chance it

Our eligibility checker allows you to find out whether you'll be accepted before you apply with us. It takes around 2 minutes and it won't harm your credit rating.

See if you're eligible

Can we help with anything else?