Balance Transfer credit card

Good for -
No fee to transfer a balance

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, after which standard rates apply

No fees to transfer a balance to this credit card

We won't charge you a fee for transferring a balance to this credit card

No annual fee

0% interest for the first 3 months on purchases

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

After the first 3 months, standard rates will apply

Things to remember about balance transfers

Representative example

Purchase rate

p.a (variable)

Representative APR


Assumed credit limit


Annual fee


Managing your credit card

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.

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

Let us know your travel plans

What you should know

Our mobile app is available to customers with Digital Banking, compatible iOS and Android devices and a UK or international mobile number in specific countries.

Still unsure?

Our Balance Transfer hub can help you compare our balance transfer credit cards, but we have more credit cards to choose from if you're weighing up all your options.

Get ready to apply

Before you apply, we need to check you’re happy with a few things and ask you a few questions up front. This will make your application as quick and simple as it can be.

First, let's run through what you'll need:

  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

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.

Let's get started. Do you have Digital Banking with us?

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The quickest route

You're ready to go

Just a heads up - you'll need your Digital Banking login 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. If you need a hand, follow our step-by-step guide below.

Online Banking available to customers aged 11+ with a Royal Bank of Scotland account.

Forgotten your Digital Banking login details?

Don't worry, re-registering for Digital Banking is easy and takes just a few minutes. By doing that, you'll then be reminded of your customer number and be able to choose a new PIN and password.

Now you've finished setting up Digital Banking, you're ready to go.

Just a heads up - you'll need your Digital Banking login details at the next step.