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.
For more information about balance and money transfers, see our videos below.
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.
Alternatively, you could call us on 0345 450 4465.
Lines are open Monday to Friday 8am-10pm, Saturdays and Bank Holidays 9am-5pm.
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.
Alternatively, you could call us on 0345 964 5645.
Lines are open 7am - 11pm, seven days a week.
For Balance Transfers:
For Money Transfers:
What is Section 75?
Section 75 of The Consumer Credit Act 1974 gives credit card customers legal rights if they’ve paid for goods or services using their credit card. It applies when the total price of the goods or services is more than £100 and up to a maximum of £30,000 and all or part of the purchase price was made using a credit card.
If you’ve bought something using your credit card, the credit card issuer and the seller may be equally liable for compensating you if things go wrong. For example if there's a breach of contract or misrepresentation by the seller against you, you may be able to successfully claim a refund through us.
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.