A balance transfer allows you to move balances from another credit card or some store cards to your Bank of Scotland credit card. The money you save on interest payments could help you manage your finances.
Your Bank of Scotland credit card terms and conditions won't change. This offer is subject to status.
Once we receive your payment instruction and your transfer has been approved, it should reach your account by the next working day. If we need to carry out any additional security checks we’ll contact you by phone or SMS to inform you.
You can transfer from most credit cards and some store cards (which display the Mastercard®, Amex®, or Visa® logo) but you can’t make a balance transfer from other Bank of Scotland credit cards, loan companies or bank accounts. You’ll also need to continue making payments to your other card(s) as usual until the transfer shows on that card’s statement.
If you haven’t registered for Internet Banking, you will need to do so before you can make a transfer online. It's easy to register and takes about 5 minutes to complete.
Alternatively, you can call us on 0345 450 4465 to apply over the phone or visit us in branch. Lines are open 8am - 10pm Monday to Friday and 9am - 5pm Saturdays and Bank Holidays. Calls may be monitored or recorded.
Once your transfer has been approved, and we’ve made the necessary security checks, the transfer should reach your account by the next working day.