Comparing balance transfer credit cards online since 2002What are the 0% cards available for customers looking to make a Bank of Scotland balance transfer?
Bank of Scotland have now reduced the number of credit cards they offer to new UK customers. The bank now no longer offers the very long 0% balance transfer credit cards, that they once did. The current 0% transfer offers from Bank of Scotland are shorter, than the current leading 0% cards available in the UK.
However, we still see many UK customers asking questions about which credit card can you use to make a Bank of Scotland balance transfer?
We have seen numerous questions about this recently. This includes all of the following questions:-
- Can you transfer from Bank of Scotland to MBNA?
- Bank of Scotland to HSBC balance transfer?
- Bank of Scotland transfer to Lloyds credit cards?
- Can you transfer Bank of Scotland to a Nationwide balance transfer card?
- Bank of Scotland credit card balance transfer to Halifax?
There is one important issue to be aware of when making a balance transfer. That is, the UK credit card issuers, including Bank of Scotland, do not allow balance transfers to be made when both of the credit cards involved, are issued by the same company.
Bank of Scotland is now a part of Lloyds Banking Group. The Lloyds banking group now also owns the Halifax and MBNA credit card companies. As a result, this enlarged group is likely to reduce the transfer options available to current Bank of Scotland credit card customers
Bank of Scotland Credit Card Balance Transfer?
To make a Bank of Scotland balance transfer as an existing customer, you will need a balance transfer credit card from a different card company.
Here at Balance Transfer Expert, we have worked out which card company issues which card. So we know the issuer for each different 0% balance transfer credit card, that is currently available in the UK.
As a result of this research, we know that you can safely make a Bank of Scotland credit card balance transfer to all of these popular featured 0% cards :-
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- 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
- 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
- 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
- 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
- 0% interest for up to 26 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
- 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
- 0% on balance transfers for up to 12 months
- 2.9% balance transfer fee
- 0% on purchases for up to 12 months
- Credit limit up to £8,000
- Online account management
- Annual Fee: None
- You are a UK resident
- You have a bank or building society account
- You are aged 18 or over
- 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
- 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
Bank of Scotland 0 Credit Card
Bank of Scotland is a completely different company from the Royal Bank of Scotland. Some customers do get confused and assume that Bank of Scotland, and Royal Bank of Scotland, are one and the same company. However, this is not the case. The RBS balance transfer credit cards are issued by NatWest bank. There is no link between the two banks.
Bank of Scotland 0% credit cards are available to their own customers with a current account held with the bank. In addition, the cards are also available to customers whose current account is held with other banks.
When you are planning to make a balance transfer, be careful with your choice of card. The last thing you want to do is to apply for a credit card, only to find out too late that the cards are issued by the same company. If you do then, as a result, you will find that balance transfers are not allowed between them.
This is then likely to leave you paying interest on your outstanding balance. With current interest rates on many UK credit cards having recently increased, this could be an expensive mistake.
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