RBS Longer Balance Transfer Credit Card with 19 Months 0% Interest and No Annual Fee for RBS Customers

RBS Longer Balance Transfer credit card at a glance

The RBS Longer Balance Transfer credit card gives existing RBS customers a compelling way to manage debt in the UK: 19 months of 0% interest on both balance transfers and purchases, with no annual fee. This offer is ideal if you want breathing space to clear higher-interest credit without additional membership costs.

This card is issued by Royal Bank of Scotland and targets those who already bank with RBS and need to move debt from outside the NatWest Group. With a competitive representative APR of 24.9% after the promotional period, it balances an extended 0% interest period with sensible ongoing charges.

Eligibility, application and practical tips

To qualify you must be at least 18, have a minimum income of around £10,000 a year and hold an existing RBS account. Applications are straightforward through RBS internet banking or the RBS website, which speeds up approval for existing customers and helps you manage payments in one place.

Before applying, calculate whether the 2.99% balance transfer fee and potential credit limit will make the move worthwhile. The RBS Longer Balance Transfer credit card suits people intent on paying down debt within the interest-free window rather than carrying a balance long term.

Fees, APR and what to watch out for

While the headline features are attractive, be aware of the costs: a 2.99% balance transfer fee, a 2.75% foreign usage charge, and a 3% cash advance fee. Late payments can incur charges (typically £12) and the minimum monthly repayment is 1% or £5, whichever is greater. These details matter when assessing the real value of the 0% interest period.

After 19 months the representative APR of 24.9% applies, so plan to clear as much of your balance transfer and any purchases before that date. The RBS Longer Balance Transfer credit card may also start with a modest credit limit, so check the likely limit and whether it covers your required transfer amount.

How to make the most of the 19-month 0% interest

Create a clear repayment plan the moment you transfer. Spread repayments across the 19 months to avoid a lump increase when the rate resets, and set up a direct debit to avoid missed payments that could end the 0% deal. Using the card for essential purchases during the promotional period is sensible, but avoid adding new high-interest debt elsewhere.

Compare alternatives among the best balance transfer credit cards UK before committing, especially if you don’t meet the income or existing RBS customer requirement. If you do qualify, the RBS Longer Balance Transfer credit card can be a strong short-term tool to cut interest costs and regain control of your finances in the UK market. Check RBS online for current eligibility checks and to apply today.