Balance transfer credit cards

Move credit card and some store card balances to a balance transfer credit card. Transfer fees will apply.

 

Check your eligibility for a credit card and get an estimated credit limit. This won't impact your credit score, and there's no obligation to apply.

 

Check your eligibility

Typical features and benefits

Introductory interest rates

Balance transfer credit cards usually come with an introductory offer.

Card balances together

You could put your current credit and some store card balances together, so they’re easier to manage. It’s important to know you cannot transfer a balance from other Bank of Scotland credit cards, loan companies or bank accounts.

Multi transfers

Make as many transfers as you like (min £100 per transfer) as long as you don’t go over your credit limit. You can only transfer up to 93% of your credit limit.

    • Online card manangement. Register online to check your balance, review transactions, make payments, request transfers and lots more on your computer, phone or tablet.
    • Full fraud protection. You won’t be charged for transactions you didn’t authorise. You’ll need to let us know if you notice anything unusual, or if you lose your card.
    • Ways to pay. Make repayments through your bank, using your debit card, or set up a regular Direct Debit to take care of it automatically.
    • UK call centres. You can call us if you need to talk to us about something on your account.
    • Contactless cards. Make secure payments with your card wherever you see the contactless symbol. Or add your card to your phone, to make paying even quicker.
    • Paperless statements. Get your statements delivered online instead of through your letterbox.

Check if you're eligible

 

 

Already with Bank of Scotland

Scan the QR code to get the app.

You must be registered for online banking to apply in the app.

Once you're in, select Apply then Credit cards.

 

 
 

Check online

Check your eligibility for a credit card and get an estimated credit limit. This won't impact your credit score, and there's no obligation to apply.
 

Check your eligibility

Already with Bank of Scotland

You must be registered for online banking to apply in the app.

Once you're in, select Apply then Credit cards.

Get the app

Check online

Check your eligibility for a credit card and get an estimated credit limit. This won't impact your credit score, and there's no obligation to apply.
 

Check your eligibility

A look at the details

  • Once approved, balance transfers normally arrive the next working day.

  • You can only transfer up to 93% of your credit limit. The minimum transfer amount is £100. There’s no limit to how many transfers you can make, but you must stay within the credit limit of your new credit card. You’ll also need to take into account any other transactions on the card, and transfer fees to be added. You cannot transfer a balance from other Bank of Scotland credit cards, loan companies or bank accounts.

  • Your interest rate will go to the standard rate for your credit card. This might be a higher rate, unless you clear your balance in full before the introductory offer ends. If you don’t make your minimum payment each month, you’ll lose your introductory rate.

    • The interest rate and any fees charged to your account. This is known as the Annual Percentage Rate (APR) and is useful for comparing the overall costs of credit cards.
    • How long the introductory offer lasts for.
    • Only borrow what you can afford to pay back each month.
    • Make sure the credit card limit suits your needs.
    • Try to pay back what you’ve spent in full each month, so you don’t have to pay interest on what you’ve borrowed.

Already have a credit card with Bank of Scotland?

Visit the customer hub to find out about flexible ways to help manage your credit card.

Go to help

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Check before you apply. Simply answer a few questions to see if you’re likely to be approved.

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Check eligibility, compare Bank of Scotland credit cards, manage your account, and get support online.

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Check eligibility, compare Bank of Scotland credit cards, manage your account, and get support online.

Explore credit cards