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How can I do a balance transfer to my credit card?

You can use balance transfers to transfer money you owe on another credit card or store card to your Royal Bank of Scotland credit card. This type of offer could help reduce your monthly credit card payments and/or clear your debt quicker, but it’s important you consider the costs associated with balance transfer.

You can request balance transfers up to a total of 95% of your available credit limit. You may not transfer the balance from another Royal Bank of Scotland Group credit card. All of our balance transfer rates are for the lifetime of the balance.

Once you applied for a credit card with us, you will be able to see your balance transfer rate at the back of your credit card statement, either in paper form or through Credit Card Online Services, or by contacting Credit Card Services.

Looking for more information?

Take a look at our credit cards guide (opens in a new window)


To request a balance transfer online:

  1. Log in to Credit Card Online Services at https://www.rbscardservices.co.uk/ (opens in a new window).
  2. Select 'Payments and transfers' from the list.
  3. Then 'Request a balance transfer'.

To register for Royal Bank of Scotland Credit Card Online Services visit www.rbs.co.uk/cardservices.

If you are experiencing a problem, please contact Credit Card services.

Card services
0370 907 0010 (overseas +44 1268 508018)
Minicom: 0800 141 3999
Open 24 hours a day.
Calls may be recorded.
Call charge information.

What is the rate and fee for a balance transfer?

How long does a balance transfer take to complete?