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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

Check your eligibility

Use our eligibility checker to find out if you'll be accepted for this credit card before you apply. It won't harm your credit rating and it takes just 2 minutes.

Things to remember about balance transfers

Representative example

Purchase rate

19.9%
p.a (variable)

Representative APR

19.9%
(variable)

Assumed credit limit

£1200

Annual fee

£0

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

First, let's check your eligibility

Use our free eligibility checker before you apply to see if you’re likely to be accepted. It takes just 2 minutes and there’s no impact on your credit score.

If you've already checked, you're good to move on to the legal documents below.

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.

All okay? Let's get started.

Do you have Digital Banking with us?
You'll need to have Digital Banking to apply online with us. If you don't, we'll help you sign up easily in just 5 minutes. Remember, you can also apply through our mobile app.

You're ready to go

Just a heads up - here's what you'll need to apply:

  • Your Digital Banking login details
  • 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

Register for Digital Banking

You'll need to sign up for Digital Banking with us in order to apply for our 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.

What you'll need

  • Your sort code and account number
  • Your Royal Bank of Scotland debit card, if you have one

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

You're ready to go

Just a heads up - here's what you'll need to apply:

  • Your Digital Banking login details
  • 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

Forgotten your Digital Banking login details?

Don't worry, you can re-register for Digital Banking in around 5 minutes. By doing that, you'll be reminded of your customer number and can choose a new PIN and password. If you need a hand, follow our step-by-step guide below.

What you'll need

  • Your sort code and account number
  • Your Royal Bank of Scotland debit card, if you have one

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

You're ready to go

Just a heads up - here's what you'll need to apply:

  • Your Digital Banking login details
  • 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