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This Bank of Scotland card has a long 0% offer. However, some people with lower credit scores could be offered a different card with a worse balance transfer offer.
- You'll be charged a fee of 3% of the amount transferred, then Bank of Scotland will credit back 1.1% within 90 days, so the effective fee is 1.9%.
- You must transfer your balance in the first 90 days to get the 0% deal. Transfers made after this time will pay 18.9% APR and a 3% fee.
- Poorer credit scorers may be offered the Bank of Scotland Classic Credit Card, which has a worse 0% offer, and a 25.9% rep APR.
- You can't transfer from other Bank of Scotland cards. However you can transfer from Halifax and Lloyds, which are also owned by Lloyds Banking Group.
- After the 0% period ends, it's 18.9% interest, but poorer credit scorers may get 21.9% or 25.9%.
- Balance transfer length & fee: Up to 41 mths 0%, 1.9% fee
- Card issuer: Mastercard
Min repayment: Greater of 1% of balance plus interest or £5
- Any restrictions? Must transfer in the first 90 days
- Min income: N/A
- Will I get the full 0%? If accepted, yes. But some poorer credit scorers will be offered the Bank of Scotland Classic card instead, which has a worse balance transfer offer.
A nonsense piece of regulation means we have to tell you if you were to spend £1,200 at an annual interest rate of 18.95% (variable) your Representative APR would be 18.9% (variable).
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