Things to consider before you apply
You can apply for a card online, in branch and over the phone, however some balance transfer offers are available exclusively online. You’ll find out if you’re successful about halfway through the application. Applying through Internet Banking will make your application quicker and easier. The application form is designed to work on your desktop, smartphone or tablet.
When making a lending decision, these are some of the things we consider:
A balance transfer is the process of transferring a balance from one credit or store card to another. You can do this from most non-Bank of Scotland credit cards and some store cards.
Apply for a balance transfer during your application for a new credit card. Or after you have received your card, by logging in to Internet Banking, visiting your nearest branch or calling us.
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 whats expected of us, the lender and you the borrower.