Bank of Scotland 32 Month Balance Transfer

 APPLY ONLINE

Credit Needed
Good Credit
  • 0% for 32 Months on Balance Transfers (0.8% fee in the first 90 days - 3% fee thereafter)
  • 0% on purchases for 12 months from account opening
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide
  • Apple Pay enabled payments
  • Minimum £100 balance transfer
  • APR dependent on circumstances
  • Must be a UK resident, aged 18 years or over, have a regular income, not be declared bankrupt, have any CCJs, and not be subject to an IVA
  • Representative APR (variable)
    18.9%
    APR
    Balance Transfer APR
    0% for 32 months
    Balance Transfer Fee
    0.80%
    Annual Fee
    £0
    Credit Needed
    Good Credit

Representative Example: Representative 18.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 18.95% p.a. (variable)


Bank of Scotland 32 Month Balance Transfer

Bank of Scotland 32 Month Balance Transfer card can provide an instant decision (in most circumstances), along with 0% on balance transfers for 32 months, as long as you stay within your credit limit and your monthly payments are on time. Other benefits include 0% on purchases for 12 months, online fraud protection and no annual fee.

Key features of this card

  • Representative 18.9% APR (variable)
  • 0% on balance transfers for 32 months on balances transferred within the first 90 days (0.8% fee applies)
  • For any balance transfers made after the first 90 days a 3% fee applies
  • Minimum £100 balance transfer
  • 0% on purchases for 12 months
  • Instant Decision (in most circumstances)
  • Online fraud protection when purchasing on the Internet
  • Card replacement service
  • No interest will be charged on purchases if every statement balance is paid in full by the payment date
  • No annual fee
  • Online account management

At least 51% of customers will get a representative rate of 18.9% APR (variable).  Other customers may be offered the Classic Credit Card with a rate of 25.9% APR (variable).

Acceptance criteria in addition to credit check

  • Must be aged 18 years or over
  • UK resident
  • Have a regular income
  • Not currently declared bankrupt, not have any CCJs, not be subject to an IVA