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A balance transfer is when you move the balance from a credit or store card to another credit card.
Watch this short video if you want to know more.
How long does a balance transfer take?
After we approve it, the transfer will normally arrive by the next working day.
Do balance transfers affect my credit score?
Balance transfer applications are subject to eligibility and security checks but these are unlikely to affect your credit score.
How much can I transfer?
The minimum balance you can transfer is £100. The maximum will need to be less than your available credit limit. This is to allow for any balance transfer fee plus any other fees or transactions. You cannot transfer a balance from other Bank of Scotland credit cards, loan companies or bank accounts.
What’s the difference between a balance transfer and a money transfer?
Balance transfers are about moving credit or store card balances to a different credit card. A money transfer lets you transfer money from your credit card to any of your own UK-based current accounts. To find out more, visit our money transfer page.