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

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?

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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

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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 60KB)

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