RBS Balance Transfer Credit Card — Smart Debt Relief with Zero Fee

A practical, merchant-friendly way to shift high-rate credit card debt onto an interest-free RBS card

CREDIT CARD

RBS BALANCE TRANSFER CARD

ZERO TRANSFER FEE ON QUALIFYING DEALS FLEXIBLE PROMOTIONS ACROSS RBS PRODUCT FAMILY

SEE FULL REVIEW By clicking you will remain on the current site

The RBS Balance Transfer credit card is designed for UK customers who want to move expensive credit card debt to a cheaper, interest-free product. RBS currently advertises 0% interest on balance transfers for up to 12 months when transfers are made within the first three months of account opening, and many applicants benefit from a zero balance-transfer fee — a combination that can materially reduce the cost of carrying debt.

Top 3 Advantages of the RBS Balance Transfer Card

1. Zero transfer fee on qualifying deals — Unlike many long-duration balance-transfer offers that charge a 2–3% fee, RBS’s standard Balance Transfer product frequently advertises no fee when you move balances within the promotional window. That immediate saving preserves more of your capital for repayment rather than upfront charges.
2. Short-term 0% protection to accelerate paydown — With up to 12 months interest-free, you can plan an aggressive repayment schedule and eliminate interest that would otherwise compound quickly on expensive cards. Use a simple amortisation plan (monthly fixed repayment) to ensure the balance is cleared before the promotional period ends.
3. Flexible promotions across RBS product family — RBS and sister brands periodically rotate longer or purchase+balance offers (e.g., “Purchase & Balance Transfer” or “Longer Balance Transfer” variants). If you’re willing to compare or be patient, you can sometimes secure longer interest-free windows via sibling products. Comparison sites reflect these regular product tweaks.

2 Important Disadvantages to Consider

1. Shorter 0% term than some competitors — Market-leading cards from other issuers sometimes offer substantially longer 0% balance-transfer windows (18–34 months) albeit often with a fee; if you need more time, RBS’s 12 months may be too short for larger balances. Compare the lifecycle cost (fee + post-promotional APR) before moving everything.
2. High standard APR on remaining balances and new purchases — After the promotional window ends, any remaining balance or new purchases revert to the card’s standard variable APR. If you don’t clear the balance, interest can quickly erase the initial savings.

ontinue Reading to Discover How to Apply Step-by-Step and Find Out if This Card Fits Your Profile

Ready to take the next step toward smarter debt management? In our next article, you’ll find a clear, step-by-step guide showing exactly how to apply for the RBS Balance Transfer credit card today — plus expert tips to assess if this is truly the right card for your financial goals and credit profile.

Learn how to maximise approval chances, time your balance transfer perfectly, and use insider tactics to save even more. Keep reading to unlock everything you need to know before submitting your application.

CREDIT CARD

RBS BALANCE TRANSFER CARD

ZERO TRANSFER FEE ON QUALIFYING DEALS FLEXIBLE PROMOTIONS ACROSS RBS PRODUCT FAMILY

SEE FULL REVIEW By clicking you will remain on the current site