Base Rate Calculator

If the Bank of England decides to change the Base Rate this could affect the interest you pay on your credit card.

Use our calculator to give you an idea of how much your monthly payments could be following a Bank of England Base Rate change.

We recommend you use your current balance and current standard variable interest rate. You can find your balance by logging into Internet Banking and your current standard variable interest rate will be displayed on your credit card statement. Alternatively, if you’re not registered for Internet Banking you can use the balance on the last credit card statement we issued to you.

Please note: Some of your balance may be on promotional rates which are not affected by changes to the Bank of England Base Rate. You should be mindful of this and exclude these balances when using the calculator. If you need more information you can call customer services on 0345 964 5645 (7am - 11pm, seven days a week).

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.