Balance Transfer credit card

A credit card that could
save you money on balance transfers

Representative 19.9% APR (variable)

0% for 23 months on balance transfers

Balances must be transferred within 3 months of account opening

Your 23 month 0% offer starts from account opening, thereafter standard rates apply

Each transfer must be at least £100

No fees to transfer a balance to this credit card

We won't charge you any fees for balances transferred to this card

No annual fee

0% interest for the first 3 months on purchases

This offer is available on purchases made in the first 3 months of opening your account

After the first 3 months, standard rates will apply

Representative example

Purchase rate

p.a (variable)

Representative APR


Assumed credit limit


Annual fee


Things to remember about balance transfers

Features and benefits


A balance transfer card you can shout about

With this card, you can relax knowing that from account opening you get 0% on balance transfers for 23 months and on purchases for 3 months. Standard rates will apply thereafter. Transfers and purchases must be made in the first 3 months. And to top it off, there's no annual fee.

Peace of mind with our 0% offer

If you miss a monthly repayment we will not remove your interest free offer. Please note you could still be charged a late payment fee. We'll also keep you up to date with regular emails, alerts and reminders about your balance transfer card and repayments.

Balance transfers made easy

We'll make it easy to transfer your existing balances to the Balance Transfer credit card. Just tell us during your application and if it is successful we will contact your existing card issuers to transfer the balance.


Instalment Plans

Instalment Plans allow you to make regular payments against eligible individual purchases that you don’t want to pay off all at once. Please note: Instalment Plans are for existing credit card customers only. Eligibility criteria and monthly fees apply.

Ways to pay

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


Other charges or fees

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

Paying your credit card

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

Mobile App Features

Lock and unlock your credit card

We want to make managing your credit card simple and safe. If you have misplaced your credit card, you can lock and unlock it in the app. You can also use the app to request a PIN reminder or unblock your PIN. This feature applies to Mastercard credit cards only.

Get to know your spending habits

Setting a daily or monthly budget could help you keep an eye your credit card spending and manage your money. You can also use the app to lock and unlock certain transaction types. We’re all human, so if you accidentally go over budget, we’ll send you a notification as a wee reminder.

Manage your card whenever, wherever

Want to make a purchase on your card but you’re not sure you’ve got available credit? Not to worry, you can use the mobile app to check your balance in seconds. You can also review all your transactions, set up a direct debit, pay off your balance, manage your credit limit and much more.

Replace your credit card

Need a replacement card? No bother. If you have an iPhone, you can order a replacement for a lost or damaged credit card using the app. Select your credit card, tap ‘Manage my card’, then tap ‘Report lost, stolen or damaged’.

Let us know your travel plans

If you’re off globe-trotting, avoid those unexpected hitches by registering your travel plans through the app. This way, your card transactions are less likely to be flagged as suspicious or blocked while you’re abroad. You can create one travel plan at a time. Each travel plan can include up to seven countries and last for 90 days.

Choose paperless

Receiving your statements electronically not only means you’ll have less post cluttering your home, it means you’ll be helping reduce paper waste too. You can view up to 24 months of statements through the app and we’ll even send you an alert when they’re ready to view.

How to apply online

What you'll need

We'll ask where you've stayed for the last 3 years, as well as information about your bank account, income and outgoings.

How long will it take?

The application takes around 10 minutes and you'll know whether you've been accepted or not within 5 minutes.

When will I get my card?

If your application is accepted, your card should be with you in 5-7 working days.

You can find out more about applying online by watching this short video guide.

Ready to apply?

Great. Let's get started. Do you have digital banking with us?

icon-quickest-route-black Created with Sketch.
The quickest way

To apply, you must be

Aged 18+ and a UK resident

Earning at least £10K per year

An existing Royal Bank of Scotland current account, savings account, credit card or mortgage holder


What you'll need

Your income, outgoings and employment details

Your digital banking log in details

A note of any cards you wish to transfer a balance from

Now for some important legal information

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.

Great stuff! Looks like you’re ready to get started.

Make sure you have your digital banking sign-in details to hand, as you'll need them at the next step.

Register for digital banking

You'll need to sign up for digital banking with us in order to apply for the Balance Transfer credit card online. The good news is that it normally takes only 5 minutes.

What you'll need

You'll need your sort code and account number, and your Royal Bank of Scotland debit card if you have one.