What is a balance transfer?
With all your balances in one place, your outgoings could be easier to manage.
For a quick summary, watch our short video
Balance transfers in more detail
To request a balance transfer
Frequently asked transfer questions
Once approved, balance transfers should be complete by the next working day.
The minimum transfer amount at Bank of Scotland is £100. The maximum is up to 93% of your credit limit.
Remember, fees may apply to each transfer.
To request a balance transfer with Bank of Scotland, you’ll need:
- The details of the card you want to transfer from, including the total balance.
- If applying online, you’ll need your Internet Banking login details.
- A phone – you might need to complete a quick automated security check.
Make sure we’ve got your up-to-date contact details in case we need to get in touch.
At Bank of Scotland, you can transfer balances from most credit and store cards displaying the Mastercard®, American Express® or Visa® logo, but not from loan companies, bank accounts or other Bank of Scotland credit cards.