Overlay
Balance Transfer credit card

The 0% credit card with a
low fee on balance transfers

Representative 19.9% APR (variable)

0% for 18 months on balance transfers

Balances must be transferred within 3 months of account opening

Your 18 month 0% offer starts from account opening, after which standard rates apply

0.49% balance transfer fee applies. 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

Compare with our Longer Balance Transfer Card

This calculation is for illustrative purposes only

Managing your credit card

About your 0% offer

If you miss a monthly repayment we won't remove your 0% offer. But you could still be charged a late payment fee. We'll also keep you up to date with regular emails and alerts about your 0% offer expiry 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

Make a balance transfer

What you should know

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

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. You could save time by applying through our mobile app if you're already set up.

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

Let's get you set up

You'll need to sign up for Digital Banking with us 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

When you've got your new digital banking details, select 'Next' below to continue applying for this credit card.

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

Let's get you sorted

You’ll need your customer number, digital banking PIN and password to apply online. Choose from one of the options below and we'll help you on your way.

When you've got your new digital banking details, select 'Next' below to continue applying for this credit card.

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