## Already have a credit card with us?Expandable section

Monthly repayment can't be more than the transferring balance

## To help you find a suitable credit card, we just need to know:

We'll make some assumptions Close  We have made a number of assumptions in this calculation. You must: remain eligible for the promotional offer keep up with the above monthly repayments stay within your credit limit make at least your minimum monthly repayment on time. about your card usage to make a calculation

## To help you find a suitable credit card, we just need to know:

We'll make some assumptions Close  We have made a number of assumptions in this calculation. You must: remain eligible for the promotional offer keep up with the above monthly repayments stay within your credit limit make at least your minimum monthly repayment on time. about your card usage to make a calculation

## Bank of Scotland Platinum Balance Transfer CardLow Fee 0% Balance Transfer

32 Month Balance Transfer

Time to pay

X

Fee + Interest

X

It will take X months to clear with payments of X each month.

Balance transferred

X

One-off balance transfer fee

X

Total interest (X months interest free)

X

Total repayment

X

How is this calculated?Expandable section

Time to pay

X

Fee + Interest

X

It will take X months to clear with payments of X each month.

Spent

X

Annual fee

X

Total interest (X months interest free)

X

Total repayment

X

How is this calculated?Expandable section

#### Balance transfer offer

0% for up to 32 months

on balance transfers made within 90 days of account opening

#### Balance transfer fee

0.8%

on balance transfers made within 90 days of account opening

#### Purchase rate offer

0% for 12 months

from account opening

### Representative example

Most successful applicants will get:

a variable annual purchase rate of
18.95% p.a.
and a variable representative
18.9% APR
based on borrowing:
£1,200 over 12 months

Credit limits and interest rates will vary based on your individual circumstances.

### What do these numbers mean?

What is a representative example?
This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.
What does purchase rate mean?
When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.
What is a credit limit?
If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.
What does APR mean?
APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.
Could my APR be different from the example?
We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.
What is an annual fee?
This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account's Summary Box).
What do these numbers mean?Expandable section

Keep in mind you may be offered a Classic Credit Card; the promotional period and rate of the offer will be based on your individual circumstances.

## Bank of Scotland Platinum Balance Transfer CardOur Longest 0% Balance Transfer

40 Month Balance Transfer

Time to pay

X

Fee + Interest

X

It will take X months to clear with payments of X each month.

Balance transferred

X

One-off balance transfer fee

X

Total interest (X months interest free)

X

Total repayment

X

How is this calculated?Expandable section

Time to pay

X

Fee + Interest

X

It will take X months to clear with payments of X each month.

Spent

X

Annual fee

X

Total interest (X months interest free)

X

Total repayment

X

How is this calculated?Expandable section

#### Balance transfer offer

0% for up to 40 months

on balance transfers made within 90 days of account opening

#### Balance transfer fee

1.69% after refund

on balance transfers made within 90 days of account opening (3% initially charged)

#### Purchase rate offer

0% for 6 months

from account opening

### Representative example

Most successful applicants will get:

a variable annual purchase rate of
18.95% p.a.
and a variable representative
18.9% APR
based on borrowing:
£1,200 over 12 months

Credit limits and interest rates will vary based on your individual circumstances.

### What do these numbers mean?

What is a representative example?
This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.
What does purchase rate mean?
When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.
What is a credit limit?
If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.
What does APR mean?
APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.
Could my APR be different from the example?
We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.
What is an annual fee?
This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account's Summary Box).
What do these numbers mean?Expandable section

Keep in mind  you may be offered a Classic Credit Card; the promotional period and rate of the offer will be based on your individual circumstances.

## Bank of Scotland Platinum Balance Transfer CardNo Fee 0% Balance Transfer

25 Month Balance Transfer

Time to pay

X

Fee + Interest

X

It will take X months to clear with payments of X each month.

Balance transferred

X

One-off balance transfer fee

X

Total interest (X months interest free)

X

Total repayment

X

How is this calculated?Expandable section

Time to pay

X

Fee + Interest

X

It will take X months to clear with payments of X each month.

Spent

X

Annual fee

X

Total interest (X months interest free)

X

Total repayment

X

How is this calculated?Expandable section

#### Balance transfer offer

0% for up to 25 months

on balance transfers made within 90 days of account opening

#### Balance transfer fee

0%

on balance transfers made within 90 days of account opening

#### Purchase rate offer

0% for 3 months

from account opening

### Representative example

Most successful applicants will get:

a variable annual purchase rate of
18.95% p.a.
and a variable representative
18.9% APR
based on borrowing:
£1,200 over 12 months

Credit limits and interest rates will vary based on your individual circumstances.

### What do these numbers mean?

What is a representative example?
This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.
What does purchase rate mean?
When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.
What is a credit limit?
If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.
What does APR mean?
APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.
Could my APR be different from the example?
We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.
What is an annual fee?
This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account's Summary Box).
What do these numbers mean?Expandable section

Keep in mind  you may be offered a Classic Credit Card; the promotional period and rate of the offer will be based on your individual circumstances.

## Bank of Scotland Platinum Balance Transfer Card0% Purchase and Balance Transfer

29 Month Purchase and Balance Transfer

Time to pay

X

Fee + Interest

X

It will take X months to clear with payments of X each month.

Balance transferred

X

One-off balance transfer fee

X

Total interest (X months interest free)

X

Total repayment

X

How is this calculated?Expandable section

Time to pay

X

Fee + Interest

X

It will take X months to clear with payments of X each month.

Spent

X

Annual fee

X

Total interest (X months interest free)

X

Total repayment

X

How is this calculated?Expandable section

#### Balance transfer offer

0% for up to 29 months

on balance transfers made within 90 days of account opening

#### Balance transfer fee

2.5%

on balance transfers made within 90 days of account opening

#### Purchase rate offer

0% for 29 months

from account opening

### Representative example

Most successful applicants will get:

a variable annual purchase rate of
18.95% p.a.
and a variable representative
18.9% APR
based on borrowing:
£1,200 over 12 months

Credit limits and interest rates will vary based on your individual circumstances.

### What do these numbers mean?

What is a representative example?
This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.
What does purchase rate mean?
When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.
What is a credit limit?
If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.
What does APR mean?
APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.
Could my APR be different from the example?
We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.
What is an annual fee?
This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account's Summary Box).
What do these numbers mean?Expandable section

Keep in mind  you may be offered a Classic Credit Card; the promotional period and rate of the offer will be based on your individual circumstances.

## Bank of Scotland Low Rate Credit CardLow Rate

The low-interest credit card that can be your perfect shopping partner

Time to pay

X

Fee + Interest

X

It will take X months to clear with payments of X each month.

Balance transferred

X

One-off balance transfer fee

X

Total interest (X months interest free)

X

Total repayment

X

How is this calculated?Expandable section

Time to pay

X

Fee + Interest

X

It will take X months to clear with payments of X each month.

Spent

X

Annual fee

X

Total interest (X months interest free)

X

Total repayment

X

How is this calculated?Expandable section

N/A

#### Balance transfer fee

0%

on balance transfers made within 90 days of account opening

N/A

### Representative example

Most successful applicants will get:

a variable annual purchase rate of
6.45% p.a.
and a variable representative
6.4% APR
based on borrowing:
£1,200 over 12 months

Credit limits and interest rates will vary based on your individual circumstances.

### What do these numbers mean?

What is a representative example?
This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.
What does purchase rate mean?
When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.
What is a credit limit?
If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.
What does APR mean?
APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.
Could my APR be different from the example?
We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.
What is an annual fee?
This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account's Summary Box).
What do these numbers mean?Expandable section

Keep in mind  you may receive a different representative APR (14.9%) based on your individual circumstances.

## Bank of Scotland Classic Credit CardClassic Credit Card

A credit card for customers with a good credit rating but who may not be eligible for the main range of Bank of Scotland credit cards

Time to pay

X

Fee + Interest

X

It will take X months to clear with payments of X each month.

Balance transferred

X

One-off balance transfer fee

X

Total interest (X months interest free)

X

Total repayment

X

How is this calculated?Expandable section

Time to pay

X

Fee + Interest

X

It will take X months to clear with payments of X each month.

Spent

X

Annual fee

X

Total interest (X months interest free)

X

Total repayment

X

How is this calculated?Expandable section

#### Balance transfer offer

0% for up to 18 months

on balance transfers made within 90 days of account opening

#### Balance transfer fee

3%

on balance transfers made within 90 days of account opening

#### Purchase rate offer

0% for 9 months

from account opening

### Representative example

Most successful applicants will get:

a variable annual purchase rate of
27.95% p.a.
and a variable representative
27.9% APR
based on borrowing:
£1,200 over 12 months

Credit limits and interest rates will vary based on your individual circumstances.

### What do these numbers mean

What is a representative example?
This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.
What does purchase rate mean?
When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.
What is a credit limit?
If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.
What does APR mean?
APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.
Could my APR be different from the example?
We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.
What is an annual fee?
This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account's Summary Box).
What do these numbers mean?Expandable section

All successful applicants will receive a variable representative of 27.9% APR.