Bank of Scotland Platinum Low Fee 0% Balance Transfer
Representative APR
24.9% APR (variable)
Purchases
0% for up to 6 months, then 24.90% (variable) p.a.
Balance Transfers
0% for 22 months then 24.94% (variable) p.a. (1.99% fee for 3 months)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 24.94% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
The Platinum Low Fee 0% Balance Transfer card offers up to 22 months of 0% interest on balance transfers, providing nearly two years to pay off existing debt. It also includes 6 months of 0% interest on purchases, making it a flexible option for managing both new and existing balances, provided repayments are made in full before the promotional periods end.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| Issuer | Bank of Scotland |
|---|---|
| Network | Mastercard |
| Primary Category | Balance Transfer |
| Loyalty Scheme | |
| Incentive on opening | None |
| Cashback/Rewards (if applicable) | No cashback scheme |
| Account Fee | £0 |
| Purchases | 0% for up to 6 months, then 24.90% (variable) p.a. |
| Purchases Interest Free Period | 56 days |
| Balance Transfers | 0% for 22 months then 24.94% (variable) p.a. (1.99% fee for 3 months) |
| Balance Transfer Fee | 5.00% |
| Cash Advances | 24.94% (variable) p.a. (fees apply) |
| Minimum Credit Limit | £ 0.00 |
| Maximum Credit Limit | Subject To Status |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 12 |
| Exceed Limit | £ 0 |
| Duplicate Statement | £ 0 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 5% |
| Cash Withdrawal Minimum Charge | £ 3 |
| Foreign Usage EU | 2.95% |
| Foreign Usage World | 2.95% |
Application Requirements
| Availability | Available to new customers. |
|---|---|
| Minimum Income | £ 0 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
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