Your Balance and Money Transfers

Balance Transfers


  • Transfer a balance to your credit card from another credit card or store card, where you may be paying interest.
  • You can benefit from your promotional interest rate, for a set period, on balances transferred to your Bank of Scotland credit card. A transfer fee may apply.
  • You can transfer from any card that displays a Visa®, Mastercard® or Amex® logo excluding other Bank of Scotland credit cards, loan companies or bank accounts.
  • To keep your promotional rate, you’ll need to stay within your credit limit and make at least your minimum monthly payments on time. Any balances left after the promotional period ends will go back to your standard interest rate.

Make a Balance Transfer

Money Transfers


  • Transfer money from your credit card to any of your own UK current accounts.
  • You can benefit from your promotional interest rate, for a set period, on money transferred from your Bank of Scotland credit card. A transfer fee may apply.
  • A Money Transfer may be suitable for covering unplanned or one-off major expenses or purchases. Examples would be a broken boiler repair or home improvements which cannot be made with your credit card.
  • To keep your promotional rate, you’ll need to stay within your credit limit and make at least your minimum monthly payments on time. Any balances left after the promotional period ends will go back to your standard interest rate.

Keep in mind anything you buy using funds from a money transfer won’t benefit from protection given by Section 75 of the Consumer Credit Act 1974, see below for further details.

Make a Money Transfer

Please refer to the Important Information section below for more details about balance and money transfers.

Ready to make a transfer?


If you're registered for Internet Banking, you can view your transfer offers and make transfers online.

It couldn't be easier:

1. select the 'Balance and Money transfer' button next to your credit card account

2. follow the on-screen instructions, choose your offer to make the transfer.

Make a transfer with Internet Banking

Register for Internet Banking

Alternatively, you could call us on 0345 450 4465.

Lines are open 8am - 10pm Monday to Friday and Saturday 9am - 5pm. Lines will be closed on 25th and 26th December 2018 and on 1st January 2019. Calls may be monitored or recorded.

Can I change my credit limit?


You can apply to change your credit limit online:

1. select the 'more actions' button on your credit card account

2. select the 'manage credit limit' button.

Change your credit limit

Register for Internet Banking

Alternatively, you could call us on 0345 964 5645.

Lines are open 7am - 11pm, seven days a week.

Remember:

  • you can decrease your credit limit at any time but you can't decrease your credit limit below the balance outstanding on your account
  • you must have at least six months payment history on your account before you can request a credit limit increase.