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transfers

What is a balance transfer credit card?

A balance transfer is when you move a credit card balance from one credit card provider to another. This type of offer could help reduce your monthly credit card payments, or clear your debt quicker. If you're paying interest on other credit cards or store cards, you could save money by transferring your balance to one of our balance transfer credit cards.

Purchase & Balance Transfer card

Good for - paying off purchases and balances

0% for 20 months from account opening on purchases, after which standard rates apply

0% for 20 months from account opening on balance transfers made within the first 3 months, after which standard rates apply

1.99% balance transfer fee applies


Representative example

 

Purchase rate: 21.9% p.a (variable)
Representative APR: 21.9% (variable)
Assumed credit limit: £1200
Annual fee: £0

Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.

Balance Transfer credit card

Good for - no fee to transfer a balance

0% for 18 months from account opening on balance transfers made within the first 3 months, after which standard rates apply

No fee to transfer a balance to this card

0% on purchases for 3 months from account opening, after which standard rates apply


Representative example

 

Purchase rate: 21.9% p.a (variable)
Representative APR: 21.9% (variable)
Assumed credit limit: £1200
Annual fee: £0

Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.

What you should know about balance transfers

Calculate your repayments and compare cards

How much would you like to transfer?
100
15000
Please enter a transfer amount.
How much can you afford to pay back each month?
0
This is set to 3% of the balance transfer amount to give you an indication of a minimum monthly repayment.
2000
Please enter a payback amount.
Purchase & Balance Transfer Card
Balance Transfer Card

Balance transfer 0% offer period

Balance transfer 0% offer period

Balance transfer 0% offer period

Cost to transfer

Cost to transfer

Cost to transfer

Balance transfer fee

Balance transfer fee

Balance transfer fee

Purchase & Balance Transfer card

Good for - paying off purchases and balances

Balance Transfer credit card

Good for - no fee to transfer a balance

How do balance transfers work?

What you'll need

First, we'll ask you for the long card number of the card you wish to transfer a balance from. You'll then need to decide how much you want to transfer.

Transfer a balance when you apply

The quickest and easiest way to do a balance transfer is during your application where you can transfer balances from up to 5 cards.

Transfer a balance after applying

If you'd rather wait until after you've applied to do a balance transfer, you can use the Royal Bank mobile app, or call the number on the back of your card. (Mobile app criteria apply)

There's no need to chance it

Our eligibility checker allows you to find out whether you'll be accepted before you apply with us. It takes around 2 minutes and it won't harm your credit rating.

Can we help with anything else?