RBS Balance Transfer Credit Card review 2022

Existing RBS customers can transfer debt from cards that aren't held with the RBS group to enjoy 22 months of 0% interest.

If you already bank with RBS but have card debt elsewhere, this deal lets you transfer the balance to RBS and enjoy a long interest-free period, allowing you to clear debt faster and more cheaply.

Finder rating: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).

22 months

0% interest on balance transfers


Balance transfer fee


Representative APR


Account fee


IssuerRoyal Bank of Scotland
Annual/monthly fees£0
Balance transfers0% for 22 months reverting to 21.9%
Balance transfer fee0%
Purchases0% for 3 months reverting to 21.9%
Purchases interest-free periodUp to 56 days
Money transfers26.9%
Cash advances26.9%
Minimum credit limit£250
Maximum credit limitNot specified
Additional cards available3

Review by

Chris Lilly is a publisher at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.

Expert review

There are a number of longer 0% deals than this available on the market (up to 34 months, in fact) but this one comes with the benefit (particularly for those transferring larger sums) of a smaller balance transfer fee than its peers.

Remember that if you don’t clear your balance in full within the 22 months, any outstanding balance will start to accrue interest at the card’s standard rate (this “revert” rate may be higher than the advertised rate, depending on RBS’s assessment of your circumstances).

If you are an existing customer, you probably already use the RBS app and will be glad to know that, yes, you can track your card using the app (you can even lock and unlock it from the app). iPhone users will also be pleased to hear all RBS cards are compatible with ApplePay.

Pros and cons


  • Applicants with low credit scores may be eligible
  • Almost two years of 0% interest to focus on reducing existing card debt
  • Three months to spread the cost of purchases
  • No balance transfer fee
  • No annual fee


  • Minimum annual income requirement of £10,000

Approval for any credit card will depend on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Repayment options

You can make manual repayments through Royal Bank of Scotland's app, by logging in to your online banking or over the phone(0345 724 2424). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and losing your promotional interest rate as a result (as well as damaging your credit score and incurring the late payment fee of £12). You could use a fixed-amount direct debit to ensure you've cleared your debt before the 0% period expires – simply divide your outstanding balance by 22 to see what you'll need to pay each month (this assumes you don't use the card for additional spending).

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Royal Bank Balance Transfer Credit Card

First, you can use Finder's eligibility checker to find out if you'd be likely to get approved for the RBS Balance Transfer Credit Card. This won't impact your credit score. If it's good news, you can then proceed to Royal Bank of Scotland's online application, which takes 10-15 minutes to complete. You can request a balance transfer as part of your application.

Frequently asked questions

How long does it take to receive the RBS credit card?

You'll know whether or not your application has been approved within 5 minutes of submission. As long as it's approved, RBS states your shiny new card will be with you in 5-7 working days.

If I miss a repayment, will I lose my interest free offer?

No, but there are plenty of other good reasons not to miss a credit card payment, like hurting your credit score and getting hit with a penalty fee.

How much can I transfer using the RBS Balance Transfer Credit Card?

You'll be able to transfer up to 95% of your available credit limit. Credit limits are tailored to the applicant and will be based on RBS's assessment of your circumstances.

How do I request to change my credit limit on the RBS credit card?

You can do this through internet banking by selecting "Cards" from the main menu. In the "Manage your personal credit card" section select "Manage your credit card limit". Add your annual income, requested credit limit and the last 5 digits of your card. Finally, select "submit". Alternatively, you can call a customer advisor 0345 724 2424.

Finder credit card ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our experts score balance transfer cards to determine their value against similar products on the market. We look at a number of important factors, like the length of the balance transfer offer, the balance transfer fee, any restrictions to making a transfer, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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  1. Default Gravatar
    August 6, 2019

    What’s the maximum amount one is allowed to transfer onto these cards?

    • Avatarfinder Customer Care
      August 6, 2019


      Thank you for your comment.

      You’ll be able to transfer up to 95% of your available credit limit. Please note that the credit limits are tailored to the applicant and will be based on RBS’s assessment of your circumstances.


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