The challenging times we’re all experiencing means we’re getting a lot more calls than usual and our call times are longer. So we can support people in the most vulnerable situations, we ask that you only call us if your enquiry is urgent. You can still use our online and mobile banking services and our automated service.

0% Purchase and Balance Transfer

Will I be accepted?

See how likely you are to be accepted for a Bank of Scotland credit card. Your credit rating will not be affected and there is no obligation to apply for a credit card afterwards.

Check your eligibility

20 Month Purchase and Balance Transfer.

Important information about our credit cards:

  • You must be aged 18 or over and a UK resident to apply for a Bank of Scotland credit card.
  • If you are successful in applying, you will be offered a credit limit and may be given one or more promotional offers. These will be based on your current status.
  • You will lose your promotional offers if you exceed your credit limit or don’t make your minimum monthly repayments on time.
  • You can transfer balances to us (£100 minimum) from most credit cards and some store cards (if they have the Mastercard®, Amex® or Visa® logo). This excludes Bank of Scotland cards.
  • Pay 0% interest for up to 20 months on balances you transfer in the first 90 days from account opening.
    - The representative rate of this card is 19.9% APR (variable).
    Keep in mind: you may be offered a Classic Credit Card; the promotional period and rate of the offer may be different based on your individual circumstances.
  • Pay a 3% fee on each balance transfer you make in the first 90 days of account opening.
    - You will pay a 5% fee on each balance transfer you make after the first 90 days.
  • Pay 0% interest on purchases you make in the first 20 months from account opening.

Representative example [?]

Representative example

19.9% APR

Purchase rate
19.95% p.a.

Based on borrowing
over 12 months

This example is for illustrative purposes and serves as a guide only. Your actual credit limit and rate will vary based on your individual circumstances and may differ from the example shown.

We should be able to give you a decision within 5 minutes. Terms and conditions (PDF) apply.

Apply now

About your card

Here are some of the extra benefits you get with your Bank of Scotland Credit Card

  • Get cover against online fraud and have your transactions protected by Bank of Scotland Secure when you shop online with selected retailers. Find out more about Bank of Scotland secure.
  • You can take care of your card online with Internet Banking and the Mobile Banking app.
  • You'll have more flexibility and control over your finances: it's easy to make payments to your card in just a few hours.
  • You can use this card in more than 43 million Mastercard® locations in the world.

What is a representative example?

This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.

When we talk about the representative APR of a card, we use an example borrowing amount of £1,200. This helps you compare our cards which have different representative APRs. This amount is an example only and the credit limit you get may be different.

The purchase rate is the interest rate you are charged on the purchases you make with your credit card. The purchase rate applies after any introductory offers have ended. A variable rate means that your interest rate may change over time.

You won't be charged interest on purchases if you pay off your balance in full each month.

What does APR mean?

Annual Percentage Rate (APR) tells you how much your borrowing will cost you over an average year. It takes into account the amount of interest charged as well as any other fees you will have to pay (such as annual fees). The APR helps you compare credit cards in an easy and fair way.

How do we decide the APR you get?

We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants will receive the lowest APR displayed in the representative example.

Keep in mind: you may be offered a Classic Credit Card; the promotional period and rate of the offer may be different based on your individual circumstances.

We should be able to give you a decision within 5 minutes.

Apply now

We should be able to give you a decision within 5 minutes

Apply now

Image of a Credit Card

Already have a Bank of Scotland Credit Card?
You may be able to apply for a second credit card with us. Excludes customers holding or applying for a Classic card or Student card. Conditions apply.

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.

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.