Royal Bank of Scotland Longer Balance Transfer
Representative APR
24.9% APR (variable)
Purchases
0% for up to 3 months, then 24.90% (variable) p.a.
Balance Transfers
0% for 34 months, then 24.90% (variable) p.a. (3.15% fee)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 24.90% (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 Royal Bank of Scotland Longer Balance Transfer credit card offers up to 34 months of 0% interest on balance transfers, with no balance transfer fees or annual charges. It’s one of the longest interest free options available, making it a suitable choice for those looking to repay existing credit card debt over an extended period.
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 | Royal Bank of Scotland |
|---|---|
| Network | Mastercard |
| Primary Category | Balance Transfer |
| Loyalty Scheme | |
| Incentive on opening | 0% interest for the first 3 months on purchases and 34 months on balance transfers |
| Cashback/Rewards (if applicable) | No cashback scheme |
| Account Fee | £0 |
| Purchases | 0% for up to 3 months, then 24.90% (variable) p.a. |
| Purchases Interest Free Period | 56 days |
| Balance Transfers | 0% for 34 months, then 24.90% (variable) p.a. (3.15% fee) |
| Balance Transfer Fee | 0.00% |
| Cash Advances | 26.90% (variable) p.a. (fees apply) |
| Minimum Credit Limit | £ 250.00 |
| Maximum Credit Limit | Subject To Status |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 10 |
| Exceed Limit | £ 12 |
| Duplicate Statement | £ 3 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 3% |
| Cash Withdrawal Minimum Charge | £ 3 |
| Foreign Usage EU | 3% |
| Foreign Usage World | 3% |
Application Requirements
| Availability | Available to new customers. |
|---|---|
| Minimum Income | £ 10,000 |
| 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 who acts as a credit broker, not a lender.
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