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RBS Balance Transfer Offers

RBS Balance Transfer Offers

What are the current RBS balance transfer offers for UK customers, in 2022?

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 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The RBS balance transfer offers were reasonably competitive, before they were withdrawn.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 no longer market leading.

The current 0% RBS balance transfer credit card now offers new customers 0% for 23 months on balance transfers. The card has a 2.49% balance transfer fee and a representative 21.9% APR variable. This RBS credit card also has an introductory offer on purchases of 0% for 23 months.

This RBS credit card is however, only available to Royal Bank of Scotland customers. To apply for this card you must have a current account, savings account, credit card, or mortgage with RBS.


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Card Offers

Balance Transfers:
0% for 23 months
Balance Transfer Fee:
2.49%
Purchases:
0% for 23 months
Representative APR:
21.9% APR (variable)

Card Details

  • 0% on balance transfers for 23 months from account opening
  • 2.49% balance transfer fee
  • 0% on purchases for 23 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

Application Criteria

  • You must have a current account, savings account, credit card or mortgage with RBS
  • You are a UK resident
  • You are earning at least £10,000 per year
  • You are aged 18 or over
To apply you must have a current account, savings account, credit card or mortgage with RBS
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% 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 UK credit cards that currently offer 0% introductory rates. These include all of the following popular featured 0% credit cards :-

Card Offers

Balance Transfers:
0% for 33 months
Balance Transfer Fee:
2.7%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

HSBC Balance Transfer*
  • 0% interest for 33 months on balance transfers made within first 60 days of account opening
  • 2.7% 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

Application Criteria

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: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 32 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Transfer Plus*
  • 0% for 32 months on balance transfers made within 90 days of account opening
  • 1.99% 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

Application Criteria

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: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 20 months
Balance Transfer Fee:
0%
Purchases:
N/A
Representative APR:
21.9% APR (variable)

Card Details

HSBC Balance Transfer No Fee*
  • 0% interest for 20 months on balance transfers made within first 60 days of account opening
  • No balance transfer fee applies
  • No purchases offer with this card
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Contactless payments to quickly and securely pay for purchases under £100
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer No Fee*
  • 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 have not held a credit card with HSBC Bank in the last 6 months
No Balance Transfer Fee
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 24 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Shopping Plus*
  • 0% for 24 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 24 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

Application Criteria

M&S Shopping 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: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership 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 can 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: June 16, 2022, Updated: June 16, 2022 by Balance Transfer Expert

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