Balance Transfer credit card

A credit card that could
save you money on balance transfers

Representative 19.9% APR (variable)

0% for 20 months on balance transfers

Balances must be transferred within 3 months of account opening

Your 20 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 20 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.


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.

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

Get to know your spending habits

Manage your card whenever, wherever

Replace your credit card

Let us know your travel plans

Choose paperless

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?

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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! Looks like you’re ready to get started.

Just a heads up -  we'll ask for your Digital Banking log-in details 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.