RBS Longer Balance Transfer Card 0% Interest for 19 Months on Transfers and Purchases No Annual Fee
Maximise 19 months of 0% interest on transfers and purchases with the RBS Longer Balance Transfer Card, no annual fee for eligible RBS customers
Why the RBS Longer Balance Transfer Card stands out
The RBS Longer Balance Transfer Card is aimed squarely at existing RBS customers who want a long interest-free runway. With 0% interest on balance transfers and purchases for 19 months, this product gives a clear path to pay down debt without interest piling up and helps plan larger purchases sensibly.
Because it carries no annual fee, the card is cost-effective for people who meet RBS’s eligibility. If you’re consolidating higher-rate debt, the combination of an extended 0% period and straightforward online management via RBS internet banking makes this an attractive option in the UK market.
Eligibility, application and what to expect
To apply for the RBS Longer Balance Transfer Card you must be at least 18 and usually need a minimum annual income, with applicants required to be existing RBS customers. The online application is simple if you already bank with RBS, and you can often set up balance transfers directly through your online account.
Decisions are typically returned quickly, but bear in mind the representative APR and potential starting credit limit. If approved, check your available limit before transferring to ensure the card will cover the balances you plan to move.
Fees, rates and practical considerations
While the RBS Longer Balance Transfer Card gives 19 months interest-free, there is a balance transfer fee to consider—typically a percentage of the amount moved. After the 0% period ends, the representative APR applies, so it’s vital to have a repayment plan to avoid paying interest on remaining balances.
Other charges to watch include foreign usage fees and cash advance costs, so use the card mainly for transfers and planned purchases during the promotional period. Setting up direct debits and paying more than the minimum will make the most of the 0% window and protect your credit score.
How to make the most of this card and who should apply
If you already have debt on higher-rate cards, the RBS Longer Balance Transfer Card can free up monthly cash by eliminating interest for 19 months. Map out monthly payments to clear the transferred balance before the promotional term ends and avoid transferring new high-interest debt onto the card late in the period.
This card suits RBS current account holders in the UK who want to consolidate and control debt without an annual fee. Compare the balance transfer fee against other offers, but for many customers the long 0% term on both purchases and transfers will outweigh the fee and make it a strong balance transfer choice.