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RBS Balance Transfer Offers

RBS Balance Transfer Offers

What are the current RBS balance transfer offers for UK customers, in 2024?

Royal Bank of Scotland for a long time did not offer 0% introductory rates on any of their credit cards. The previous 0% RBS balance transfer offers were removed way back in March 2014.

RBS had stated then, that they would no longer offer 0% introductory offers on any of the RBS credit cards to either new, or existing customers.

RBS Balance Transfer Credit Card

The RBS balance transfer offers were reasonably competitive, before they were withdrawn. However the new 0% introductory offers from RBS are currently not as long, as they used to be back then. The latest 0% introductory offers have also now been substantially reduced over the past year.

The current 0% RBS purchase and transfer credit card now offers new customers a shorter 0% for 19 months on balance transfers. This RBS balance transfer credit card has a 2.99% balance transfer fee and a new higher representative 24.9% APR variable. This RBS credit card also has an introductory offer on purchases of 0% for 19 months.

However, this RBS credit card when launched was only available to Royal Bank of Scotland customers. To apply for this card you needed to have a current account, savings account, credit card, or mortgage with RBS.


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Balance Transfers:
0% for 19 months
Balance Transfer Fee:
2.99%
Purchases:
0% for 19 months
Representative APR:
24.9% APR (variable)
  • 0% on balance transfers for 19 months from account opening
  • 2.99% balance transfer fee
  • 0% on purchases for 19 months from account opening
  • Lock and unlock your credit card in app
  • Manage your card 24/7 online and by telephone banking
  • Annual Fee: None
  • You are a UK resident
  • You are earning at least £10,000 per year
  • You are aged 18 or over
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from NatWest, RBS or Ulster Bank credit cards

RBS Balance Transfer Existing Customers

Existing customers, with a RBS or NatWest credit card, cannot use the above RBS card to make a balance transfer. This is because the RBS cards and the NatWest balance transfer credit card are part of the same credit card company. So what are the available RBS balance transfer offers for existing customers?

Existing customers with a RBS credit card can make a balance transfer to one of the many other UK credit cards that currently offer 0% introductory rates. These include all of the following popular featured 0% credit cards :-

Balance Transfers:
0% for up to 24 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
HSBC Balance Transfer*
  • 0% interest for up to 24 months on balance transfers made within first 60 days of account opening
  • 3.49% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
HSBC Balance Transfer*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 26 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
M&S Transfer Plus*
  • 0% for up to 26 months on balance transfers made within 90 days of account opening
  • 3.49% balance transfer fee, minimum £5
  • 0% on purchases for 3 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None
M&S Transfer Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for 12 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 months
Representative APR:
29.9% APR (variable)
Virgin Money 12 Month Balance Transfer
  • 0% on balance transfers for 12 months from the date your account is opened
  • 3% balance transfer fee in first 60 days, 5% fee applies after 60 days
  • 0% on purchases for 3 months from the date your account is opened
  • Discounts on Virgin holidays, Virgin trains and Virgin experience days
  • Contactless payments to quickly and securely pay for purchases up to £100
  • Online card servicing
  • Annual Fee: None
Virgin Money 12 Month Balance Transfer
  • You are a UK resident
  • You have a bank or building society account
  • You have a good credit history
  • You are aged 18 or over
Representative Example: 29.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 29.9% p.a. (variable)
No balance transfers allowed to this card from Clydesdale,Yorksire or Virgin credit cards
Balance Transfers:
0% for up to 12 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 20 months
Representative APR:
24.9% APR (variable)
M&S Purchase Plus*
  • 0% for up to 12 months on balance transfers made within 90 days of account opening
  • 3.49% balance transfer fee, minimum £5
  • 0% on purchases for up to 20 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None
M&S Purchase Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards

Balance Transfer From RBS

Here at Balance Transfer Expert we often see RBS credit card customers looking for information on which other credit cards they can make a a balance transfer to.

RBS like many other credit card companies does not allow a balance transfer from one credit card to another issued by the same company. You cannot make a a balance transfer from a RBS card to a NatWest credit card, for example.

It may often not be clear which credit card is issued by which card company. However, we have done the research, and all of the credit cards displayed above on this page, will accept a balance transfer from RBS.


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Published: February 8, 2024, Updated: February 8, 2024 by Balance Transfer Expert

All 0% balance transfer credit card offers on this website are updated daily