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Purchase & Balance Transfer card

Make plans happen with 0% on purchases and balance transfers

Representative 24.9% APR

Available to UK residents, aged 18+ and earning at least £10K per year

Good for - giving you time to pay off your purchases and balances

0% interest for 19 months on purchases

  • The 19 month 0% interest period starts from when you open your account
  • After the 19 months are up, our standard rates will apply on any new purchases and you'll need to pay interest on any remaining balance
  • Use worldwide at Mastercard® locations, in-store and online
Information Message

0% interest for 19 months on balance transfers

  • 0% for 19 months from account opening on balance transfers made within the first 3 months, after which standard rates apply on any remaining balance
  • 2.99% balance transfer fee applies. No annual fee
Information Message

Information Message

What you should know about balance transfers

Representative example

Purchase rate

24.9%
p.a (variable)

Representative APR

24.9%
(variable)

Assumed credit limit

£1200

Annual fee

£0
Information Message

Check your eligibility

We'll tell you if you'll be approved for this card and your indicative credit limit at the start of your application, with no impact on your credit score.

Compare Balance Transfer 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
Longer Balance Transfer card
Balance Transfer credit card

Balance transfer 0% offer period

Balance transfer 0% offer period

Balance transfer 0% offer period

Balance transfer 0% offer period

Cost to transfer

Cost to transfer

Cost to transfer

Cost to transfer

Balance transfer fee

Balance transfer fee

Balance transfer fee

Balance transfer fee

Longer Balance Transfer card

Representative example:

Purchase rate: 24.9% p.a (variable)
Representative APR: 24.9% (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.

Information Message

Balance Transfer credit card

Representative example:

Purchase rate: 24.9% p.a (variable)
Representative APR: 24.9% (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.

Information Message

Would this card work for you?

Everyone has different circumstances and priorities - here's a few ways this card could be a good fit for your lifestyle.

You need to spread the cost of a big purchase

With this card you could buy now and spread the cost over a time that suits you - with no interest being added on top for the first 19 months from account opening.

You're paying interest on an existing credit card

You could transfer a current balance to this card and pay 0% interest for 19 months, which could help make any outstanding debt feel a bit more manageable

You want to stay on top of spending with our mobile app

Keep track of your balance and payments in one place, giving you the freedom to manage your money in a way that works for you. Mobile App eligibility criteria applies.

Managing your credit card

About your 0% offer

If you miss a monthly repayment we won't remove your 0% offer. But you could still be charged a late payment fee. We'll also keep you up to date with regular emails and alerts about your 0% offer expiry and repayments.

Paying your credit card

There are lots of ways you can pay your credit card every month.

Other charges or fees

Some important things you'll need to know about fees and charges.

Card Features

Spread the cost of your purchase

If you’re buying something expensive and you don’t want to use money from your bank account, a credit card Instalment Plan could be a good way to spread the cost.

Ways to pay

There are many convenient ways to pay using the Balance Transfer credit card.

Mobile App Features

Lock and unlock your credit card

Get to know your spending habits

Keep an eye on your credit score

Replace your credit card

Make a balance transfer

What you should know

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Get ready to apply

We'll check your eligibility at the start

We'll ask a couple of questions about you to get started so we can let you know if you'll be approved and the indicative credit limit and interest rate you'll receive.

Don't worry - this doesn't have an impact on your credit score until you decide you want to go ahead with your application.

Please read these important documents

Please take some time to read the important information. By clicking 'Start my application' below, you are confirming that you have been provided with, and have acknowledged our important documents.

All okay? Let's get started

Do you bank with us already?
Let us know if you already have a current account, savings account, credit card or mortgage with Royal Bank of Scotland.
What device are you using?
Are you using your mobile, or something else, to apply for a credit card?
Is our app on the device you’re using right now?
The Royal Bank of Scotland app is the easiest way for you to apply for a credit card. Do you have it on this device?

Great, let's get started

Just a heads up - you'll be asked to log into the Royal Bank of Scotland mobile app to start your credit card application.

Do you have Royal Bank of Scotland digital banking?
If you know your digital banking details we can pre-fill some of your info - making the application process faster.

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Digital Banking, then return to our credit cards page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1.  Log in to Digital Banking.
  2. Choose ‘Credit cards’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our credit card page.
  4. Choose ‘Apply for a credit card’.
  5. Choose ‘let’s start’ (under ‘Ready to apply’).

 

Log in and apply

Let’s get you signed up for Digital Banking

You’ll need to sign up for Digital Banking with us in order to apply for a credit card. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Royal Bank of Scotland Debit Card, if you have one.

Do you have Digital Banking?
Got Digital Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Digital Banking, then return to our credit card page.

How to apply:

(Please take notes or a picture of this, so you remember!)

1.       Log in to Digital Banking.

2.       Choose ‘Credit cards’ (it’s under ‘Our Products’, bottom right).

3.       You’ll return to our credit card page.

4.       Choose ‘Apply for a credit card’.

5.       Choose ‘let’s start’ (under ‘Ready to apply’).

 

Log in and apply

Let’s get you signed up for Digital Banking

You’ll need to sign up for Digital Banking with us in order to apply for a credit card. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Royal Bank of Scotland debit card, if you have one.

You're all set

Just a heads up, if you choose to continue with your application after we give you an indicative limit, our partner HooYu will then check your identity by matching you to your photo ID. If you don’t have your ID to hand you can finish this step later.

To find out more about HooYu and Photo ID, take a look at our FAQs below.

Purchase and Balance Transfer Card - FAQs

Something else we can help you with?