Bank of Scotland Platinum Balance Transfer

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Credit Needed
Good Credit
  • Up to 40 Months 0% Balance Transfers (1.69% Fee - Inital fee of 3.00% is applied, then 1.31% is refunded)
  • 0% purchase for 6 months
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide
  • Apple Pay enabled payments
  • APR & promotional offer length are dependent on your circumstances
  • Minimum £100 balance transfer
  • You must be a UK resident, aged 18 years, in receipt of a regular income, not currently declared bankrupt, have no CCJs and are not subject to an IVA
  • Representative APR (variable)
    18.9%
    APR
    Balance Transfer APR
    0% for 41 months
    Balance Transfer Fee
    1.69%
    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 Platinum Balance Transfer credit card summary

Bank of Scotland Platinum Balance Transfer credit card offers 0% on balance transfers for 40 months (1.69% admin fee).  Manage your account online plus cover against fraud when shopping online.

Key features of this card

  • Representative 18.9% APR (variable)
  • 0% for 40 months on balance transfers (1.69% admin fee - Inital fee of 3.00% is applied, then 1.31% is refunded)
  • 0% on purchases for 6 months
  • No interest will be charged on purchases if every statement balance is paid in full by the payment date
  • Cover against fraud when shopping online
  • Additional cards and card holders available
  • Manage your account online
  • No annual fee
  • Card replacement service if you lose it

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 27.9% APR (variable).

Acceptance criteria in addition to credit check

  • Aged 18 years or over
  • UK resident
  • Have a regular income
  • Not currently declared bankrupt, have no CCJs, and are not subject to an IVA