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RBS Balance Transfer Offers

RBS Balance Transfer Offers

What are the current RBS balance transfer offers for UK customers, in 2023?

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The RBS balance transfer offers were reasonably competitive, before they were withdrawn.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 once were. The latest 0% introductory offers have now been substantially reduced this year,.

The current 0% RBS purchase and transfer credit card now offers new customers a shorter 0% for 17 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 17 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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Card Offers

RBS Purchase & Balance Transfer
RBS Purchase & Balance Transfer
Balance Transfers:
0% for 17 months
Balance Transfer Fee:
2.99%
Purchases:
0% for 17 months
Representative APR:
24.9% APR (variable)
Card Details >

Card Details

RBS Purchase & Balance Transfer
  • 0% on balance transfers for 17 months from account opening
  • 2.99% balance transfer fee
  • 0% on purchases for 17 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 >

Application Criteria

RBS Purchase & Balance Transfer
  • You are a UK resident
  • You are earning at least £10,000 per year
  • You are aged 18 or over
Close
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 UK credit cards that currently offer 0% introductory rates. These include all of the following popular featured 0% credit cards :-

Card Offers

HSBC Balance Transfer*
HSBC Balance Transfer*
Balance Transfers:
0% for up to 27 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
More Information >

Card Details

HSBC Balance Transfer*
  • 0% interest for up to 27 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
More Information >

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
More Information >
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

Card Offers

M&S Transfer Plus*
M&S Transfer Plus*
Balance Transfers:
0% for 28 months
Balance Transfer Fee:
2.99%
Purchases:
0% for 3 months
Representative APR:
23.9% APR (variable)
More Information >

Card Details

M&S Transfer Plus*
  • 0% for 28 months on balance transfers made within 90 days of account opening
  • 2.99% 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
More Information >

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
More Information >
Representative Example: 23.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 23.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards

Card Offers

Virgin Money 12 Month Balance Transfer
Virgin Money 12 Month Balance Transfer
Balance Transfers:
0% for 12 months
Balance Transfer Fee:
3%
Purchases:
0% for 3 months
Representative APR:
29.9% APR (variable)
More Information >

Card Details

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
More Information >

Application Criteria

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
More Information >
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

Card Offers

M&S Shopping Plus*
M&S Shopping Plus*
Balance Transfers:
0% for 15 months
Balance Transfer Fee:
2.99%
Purchases:
0% for 18 months
Representative APR:
23.9% APR (variable)
More Information >

Card Details

M&S Shopping Plus*
  • 0% for 15 months on balance transfers made within 90 days of account opening
  • 2.99% balance transfer fee, minimum £5
  • 0% on purchases for 18 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
More Information >

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
More Information >
Representative Example: 23.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 23.9% 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: September 6, 2023, Updated: September 12, 2023 by Balance Transfer Expert

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