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Credit cards

Compare our credit cards
with 0% on balance
transfers

Representative 19.9% APR (variable)

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
Calculate your repayments
How do balance transfers work?
Check your eligibility
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 - no fee to transfer a balance

0% for 20 months from account opening on balance transfers made within the first 3 months, after which standard rates apply

No fees to transfer a balance to this credit card

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 28 months from account opening on balance transfers made within the first 3 months, after which standard rates apply

2.75% 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 Royal Bank of Scotland 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 you when you transfer your balance
Monthly repayment to clear balance

Balance Transfer card

19.9% (variable)
First 3 months
20 months from account opening
No fee
£0
£25 per month for 20 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
28 months from account opening
2.75%
£13.75
£18.35 per month for 28 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 you when you transfer your balance
Monthly repayment to clear balance

Balance Transfer card

19.9% (variable)
First 3 months
20 months from account opening
No fee
£0
£50 per month for 20 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
28 months from account opening
2.75%
£27.50
£36.70 per month for 28 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 you when you transfer your balance
Monthly repayment to clear balance

Balance Transfer card

19.9% (variable)
First 3 months
20 months from account opening
No fee
£0
£75 per month for 20 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
28 months from account opening
2.75%
£41.25
£55.04 per month for 28 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 you when you transfer your balance
Monthly repayment to clear balance

Balance Transfer card

19.9% (variable)
First 3 months
20 months from account opening
No fee
£0
£100 per month for 20 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
28 months from account opening
2.75%
£55
£73.39 per month for 28 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 you when you transfer your balance
Monthly repayment to clear balance

Balance Transfer card

19.9% (variable)
First 3 months
20 months from account opening
No fee
£0
£125 per month for 20 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
28 months from account opening
2.75%
£68.75
£91.74 per month for 28 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 you when you transfer your balance
Monthly repayment to clear balance

Balance Transfer card

19.9% (variable)
First 3 months
20 months from account opening
No fee
£0
£150 per month for 20 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
28 months from account opening
2.75%
£82.50
£110.09 per month for 28 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 you when you transfer your balance
Monthly repayment to clear balance

Balance Transfer card

19.9% (variable)
First 3 months
20 months from account opening
No fee
£0
£175 per month for 20 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
28 months from account opening
2.75%
£96.25
£128.44 per month for 28 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 you when you transfer your balance
Monthly repayment to clear balance

Balance Transfer card

19.9% (variable)
First 3 months
20 months from account opening
No fee
£0
£200 per month for 20 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
28 months from account opening
2.75%
£110
£146.79 per month for 28 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 you when you transfer your balance
Monthly repayment to clear balance

Balance Transfer card

19.9% (variable)
First 3 months
20 months from account opening
No fee
£0
£225 per month for 20 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
28 months from account opening
2.75%
£123.75
£165.13 per month for 28 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 you when you transfer your balance
Monthly repayment to clear balance

Balance Transfer card

19.9% (variable)
First 3 months
20 months from account opening
No fee
£0
£250 per month for 20 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
28 months from account opening
2.75%
£137.50
£183.48 per month for 28 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 you when you transfer your balance
Monthly repayment to clear balance

Balance Transfer card

19.9% (variable)
First 3 months
20 months from account opening
No fee
£0
£300 per month for 20 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
28 months from account opening
2.75%
£165
£220.18 per month for 28 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 you when you transfer your balance
Monthly repayment to clear balance

Balance Transfer card

19.9% (variable)
First 3 months
20 months from account opening
No fee
£0
£350 per month for 20 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
28 months from account opening
2.75%
£192.50
£256.88 per month for 28 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 you when you transfer your balance
Monthly repayment to clear balance

Balance Transfer card

19.9% (variable)
First 3 months
20 months from account opening
No fee
£0
£400 per month for 20 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
28 months from account opening
2.75%
£220
£293.57 per month for 28 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 you when you transfer your balance
Monthly repayment to clear balance

Balance Transfer card

19.9% (variable)
First 3 months
20 months from account opening
No fee
£0
£450 per month for 20 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
28 months from account opening
2.75%
£247.50
£330.27 per month for 28 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 you when you transfer your balance
Monthly repayment to clear balance

Balance Transfer card

19.9% (variable)
First 3 months
20 months from account opening
No fee
£0
£500 per month for 20 months

Longer Balance Transfer card

19.9% (variable)
First 3 months
28 months from account opening
2.75%
£275
£366.96 per month for 28 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

'I want to transfer a balance of £4400'

Balance Transfer card

There's no balance transfer fee - so divide £4400 by 20 months = £220

You'll therefore need to pay £220 per month to pay off the card in full before the 20 month 0% offer period ends.
 

Longer Balance Transfer card

The balance transfer fee is 2.75% - so divide £4400 by 100, then times by 2.75. For £4400, the fee will be £121.

The total amount you will owe with this fee is £4521

Divide £4521 by 28 months = £161.46 

You'll therefore need to pay £161.46 per month to pay off the card in full before the 28 month 0% offer period ends.

Balance Transfer credit card

Good for - no fee to transfer a balance

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.

Save time and 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.

Transferring a balance after applying

If you'd rather wait until after you've applied to make a balance transfer, you can call the number on the back of your card and we'll be able to help.

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?