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Mastercard3/4 on file
✓ Annual fee checked
Royal Bank Of Scotland · Mastercard

Balance Transfer Credit Card

Balance TransferLow InterestNo Annual Fee0% Intro Purchases

The Balance Transfer Credit Card is a Mastercard from Royal Bank Of Scotland with an annual fee of £0. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Oct 2026), foreign transaction fee (Sep 2026), purchase APR (Sep 2026), welcome offer (Sep 2026). Not yet checked with Royal Bank Of Scotland: credit requirement. Royal Bank Of Scotland’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee£0per yearChecked rbs.co.uk
Top earn rateNot confirmedNot published by the issuer where we checked ()
Welcome offerSee offer below
Apply on Royal Bank Of ScotlandCompare this card
Opens Royal Bank Of Scotland’s site
Ledger entry

The receipt

Every cost line we hold for the Balance Transfer Credit Card, exactly as recorded.

Annual fee
£0Checked rbs.co.uk
Supplementary card
Not confirmed
Foreign transaction
2.75%Checked rbs.co.uk
Purchase APR
24.9%Checked rbs.co.uk
Income requirement
Not confirmed
Network
Mastercard
Credit needed
FairNot yet checked with Royal Bank Of Scotland
Sign-up

The welcome offer

Enjoy 0% interest for up to 11 months on balance transfers and no balance transfer fee

Checked rbs.co.uk
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Balance Transfer Credit Card. Rather than print a multiplier we cannot source, this stays blank until Royal Bank Of Scotland’s own terms give us one.

Not published by the issuer where we checked ()
Included

Perks & benefits

Card benefits

  • 0% interest on balance transfers for up to 11 months
  • 0% interest on purchases for the first 3 months
  • Zero balance transfer fee
  • Free credit score in app
  • Apple Pay or Google Pay support
  • Manage card and get spending alerts via app
Next step

Ready to apply for the Balance Transfer Credit Card?

You'll finish the application on Royal Bank Of Scotland's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Royal Bank Of Scotland’s site
Questions

Questions about the Balance Transfer Credit Card

How much is the Balance Transfer Credit Card annual fee?

The Balance Transfer Credit Card has an annual fee of £0. Weigh that against the rewards and perks you will actually use.

What does the Balance Transfer Credit Card earn?

Royal Bank Of Scotland does not publish category earn rates for the Balance Transfer Credit Card where we checked (October 2026), so we do not print a multiplier.

What network is the Balance Transfer Credit Card on?

The Balance Transfer Credit Card runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the Balance Transfer Credit Card available in United Kingdom?

Yes — the Balance Transfer Credit Card is issued by Royal Bank Of Scotland and is available to eligible applicants in United Kingdom. Approval depends on the issuer's own credit and income criteria.

When were the Balance Transfer Credit Card figures last checked?

We checked its annual fee in October 2026, its foreign transaction fee in September 2026, its purchase APR in September 2026 and its welcome offer in September 2026, each against a published document. Not yet checked with Royal Bank Of Scotland: credit requirement. Not published by Royal Bank Of Scotland where we checked: earn rates. Terms can change without notice, so confirm the current details with Royal Bank Of Scotland before you apply.