If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. To help find the right solution for your needs you can use our coronavirus support tools for credit cards and loans and for Halifax mortgages. If you have a Bank of Scotland mortgage, find out more here.

Balance transfer credit cards

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

If you want to keep your existing balances in one place, a balance transfer credit card can be a good way to do this.

How a balance transfer credit card might work for you

  • You could put your current credit and some store card balances together, so they’re easier to manage.
  • Balance transfer credit cards usually come with an introductory offer. 
  • Make as many transfers as you like (min £100 per transfer) as long as you don’t go over your credit limit.

See if you’re eligible with One Check

One Check is our easy to use credit card eligibility checker. Answer a few questions and it will tell you which Bank of Scotland credit cards you’re eligible to apply for, plus the credit limit you could be offered. Using One Check won’t affect your credit score.

  • One simple form to complete in about five minutes.
  • One list of cards you’re likely to be approved for.
  • One Check helps you find the right credit card for you.
Check your eligibilityCheck your eligibility

More about balance transfers

How long do they take?

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

How much can you transfer?

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.

What happens after the introductory offer finishes?

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 and stay within your credit limit, you’ll lose your introductory rate.

Things to look out for

  • 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.

Features you’d expect – as standard

Online card management

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 24/7 (in most cases) 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.

See if you’re eligible with One Check

One Check is our easy to use credit card eligibility checker. Answer a few questions and it will tell you which Bank of Scotland credit cards you’re eligible to apply for, plus the credit limit you could be offered. Using One Check won’t affect your credit score.

  • One simple form to complete in about five minutes.
  • One list of cards you’re likely to be approved for.
  • One Check helps you find the right credit card for you.
Check your eligibilityCheck your eligibility

Looking for a new credit card?

Want to transfer a balance, help manage your everyday spending, or spread the cost of a higher-value item or service?

Large purchase credit cards

Everyday spending credit cards

Manage your Bank of Scotland credit card

If you’re already a credit card customer with us, everything you need to look after your card is here.

Activate your new card

Report your card lost or stolen

Get a second credit card

Ways to pay

More help with your credit cardMore help with your credit card

Find out more about credit cards

A credit card can be very useful, as long as you know how to use it wisely. Whether you’ve not yet applied for a Bank of Scotland credit card or are already a customer, our helpful guides will help you find out what you need to know.

APR, interest rates and fees

Credit card top tips

More help and guidanceMore help and guidance

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

Download the statement of responsibilities (PDF)

Bank of Scotland Credit Cards are issued by Bank of Scotland plc, Registered in Scotland No.SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration no. 169628.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.