0% on balance transfers for 12 months (3% fee)
0% purchases for the same length of time
BoS Offers: discounts on travel, entertainment & shopping
Safer online shopping with fraud protection
Bank of Scotland All in One credit card
Everything you need to know about this credit card, including how to apply, our review and the small print.
Available to those who are:
- Aged 18 or over
- UK resident
- Have a regular income
Please ensure you meet the above criteria before applying, or it could adversely affect your credit rating.
| Representative Example: 17.95% p.a. variable on purchases. This is equivalent to 17.9% APR representative variable based on a credit limit of £1,200. Bank of Scotland plc, The Mound, Edinburgh, EH1 1YZ |
What's on offer?
Main summary of this credit card's rates, rewards and services.
 Purchases: |
 Balance transfers: |
 Rewards: |
 Cardholder services: |
|---|---|---|---|
| 0% for 12 months 17.95% p.a. variable thereafter |
0% for 12 months 17.95% p.a. variable thereafter 3% transfer fee (£3 min) |
Bank of Scotland MasterCard Offers | Online Account Management Internet Fraud Guarantee Active Fraud Monitoring MasterCard SecureCode |
Further details and the small print
A closer look at the rates, rewards, services and our review of this credit card.
What we think
Our review and how this deal compares
Please read this first:
This review is based on general information about how the product compares in the market, it shouldn't be taken as a recommendation or advice.
Please see below for more important information relating to the content of this page.
The Bank of Scotland All in One credit card markets itself as an "all in one" solution - and there certainly are situations in which combined 0% deals are useful.
This card offers 0% on balance transfers and purchases for 12 months. Additionally, the 'go to' standard rates of both these transactions are the same after the promotional period ends.
There is a 3% fee to pay on balance transfers.
Somewhat confusingly, HBOS is offering this deal identically under the Halifax brand with an extra month on both 0% deals: see our review of the Halifax All in One credit card for more.
0% on balance transfers
This credit card offers 0% interest on balance transfers for the first 12 months, with a 3% fee.
There is no 'window period' on this deal by which balances must be moved to qualify for the 0% rate - but the 12 month period will start to run down as soon as the account is opened and not from when any balance is credited to the account for example.
0% on new purchases
0% for 12 months is now a mid-market purchases promotional length - with the top deals now reaching 15 months on some of the longest 0% purchases deals.
However, with many "0%" credit cards only offering 3-months on purchases, the card stands up well simply for offering equal length 0% deals on both balance transfers and purchases.
New cardholders can therefore transfer a balance to the card, and use it for new purchases as well without running into too many complications regarding what's getting repaid first or when interest will start to apply to one balance before the other.
Cash transactions
Cash transactions on the other hand are not included in the 0% deal.
There aren't any credit cards available in the market, not that there ever have been either though, which include cash in a 0% promotion.
The thing to watch out for though is what constitutes a cash transaction, as the definition can be a little blurred with some purchases.
ATM withdrawals, foreign currency and traveller's cheques are obvious cash transactions. Less obvious ones include buying shopping vouchers, food or drink at casinos, lottery tickets, money transfers and bill payments such as mortgages and utility bills.
Fraud security
The Bank of Scotland All in One credit card offers an Internet fraud guarantee - so cardholders won't be held liable for any unauthorised transactions made online without their knowledge or consent as long as reasonable precaution was taken.
This is offered in addition to the maximum liabilities for fraud as set out in the Lending Code.
The Bank of Scotland also offer active fraud monitoring so they'll keep a watch over cardholder's accounts and get in touch if they notice any unusual transactions.
This does mean, however, as with other cards offering this service, its worthwhile letting the issuer know before planning on using the card abroad for example.
MasterCard SecureCode (3D Secure) is also offered, so cardholders can register a password for use with participating online websites as an extra layer of security.
The Bank of Scotland All in One credit card doesn't offer any additional purchase protection, however the card is issued under the Consumer Credit Act and so cardholders will be extended cover under Section 75.
See our guide on Section 75 for more on this, but it basically holds the credit card provider equally liable with the supplier if things go wrong (e.g. breaches of contract such as faulty or non-delivered items, or if the supplier goes out of business) - meaning there is an extra option for recourse.
Final word
The Bank of Scotland All in One credit card is a mid-market combined 0% deal surpassed by the issuer's own 'but-name' identical Halifax All in One credit card.
Application criteria
| Detail | |
|---|---|
| Only apply if you are: | - Aged 18 or over - UK resident - Have a regular income |
Interest rates
| Detail | Additional | |
|---|---|---|
| Representative APR (variable) | 17.9% APR | Rates from 17.9% APR variable to 23.9% APR variable, depending on individual circumstances. Based on a £1,200 credit limit. |
| Introductory Purchases | 0% for 12 months | - |
| Introductory Balance Transfers | 0% for 12 months | - |
| Standard Purchases | 17.95% p.a. variable | Rates 17.95%, 21.95% or 23.95% p.a. variable. |
| Standard Balance Transfers | 17.95% p.a. variable | Rates 17.95%, 21.95% or 23.95% p.a. variable. |
| Standard Cash Advances | 27.95% p.a. variable | - |
Fees and charges
| Detail | Additional | |
|---|---|---|
| Balance Transfer fee | 3% (£3 min) | - |
| Cash Advance fee | 3% (£3 min) | - |
| Foreign fee | 2.95% | This fee is charged for transactions made in non-sterling currency. |
| Annual fee | None | - |
| Default charges | £12 | This charge is made for late payments, returned payments and exceeding the credit limit. |
Repayment details
| Detail | Additional | |
|---|---|---|
| Credit limit | £1,200 assumed | Credit limit is subject to status. |
| Interest free period | Not stated | Actual interest free period will be displayed on the statement. You will not pay interest on purchases if you pay your balance in full and on time each month. There is no interest free period on cash advances, balance transfers or cheques. |
| Minimum monthly payment | 1% (£5 min) | Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any Credit Card Repayments Cover premiums, interest, default sums plus 1% of the balance shown on your statement (minimum) £5, or the full balance if less than £5. |
| Allocation of payments | Highest rates first | Bank of Scotland will use any payments you make to pay off transactions that appear on your statements starting with those on which they charge interest at the highest rate. They will then pay off transactions on which they charge interest at the next highest rate and so on down to the lowest rate of interest. If the payment is not enough to pay off all transactions at a particular interest rate, they will pay off transactions charged at that interest rate in the order:- cash advances, cheques, purchases, balance transfers and default sums. If you pay more than the amount due shown on your statement, they will use any remaining payment to pay off transactions that have not yet appeared on your statement in the same order as those that do appear on your statement. In this condition, "transaction" includes the amount of the purchase, cash advance, cheque, default sum or balance transfer plus any interest, fees or insurance payment charged as a result of that transaction. For example, a cash advance fee is included as part of a cash transaction. |
Rewards and discounts
| Detail | |
|---|---|
| Bank of Scotland MasterCard Offers | Select discounts on travel, entertainment and shopping. |
Cardholder services
| Offered | Additional | |
|---|---|---|
| Online account management |  |
The account can be managed online. |
| Internet Fraud Guarantee | |
As long as you follow the precautions, you won't be held liable for any online banking activity you haven't authorised. |
| Fraud Monitoring | |
- |
| Identity Protection |  |
- |
| Credit Report Access | |
- |
| 3D Secure | |
MasterCard SecureCode An extra layer of security when shopping online. Register and set up a password-protected identity-check when you shop online with participating online retailers. |
| OneTouch Payments | |
- |
| Purchase Protection Insurance | |
- |
| Purchase Delivery Insurance | |
- |
| Comprehensive Travel Insurance | |
- |
| Travel Accident Insurance | |
- |
| Travel Inconvenience Insurance | |
- |
| Assistance Abroad | |
- |
| Emergency Card Replacement | |
- |
Please read the following notice:
The review on this page is intended to provide general information only and does not attempt to give advice that relates to your specific circumstances. If you are unsure as to the suitability of any financial product, you should discuss this with an independent financial advisor.
While we make every effort to ensure and maintain current and accurate information on this site and the review on this page will be periodically updated inline with product changes, it could contain rates, deals or facts which have now changed and therefore should not be solely relied upon.
You should check the full details of any product with the relevant provider before applying, and you are advised to conduct your own research as well.
We aim to provide free reviews and comparisons of consumer products. To keep the site free, we are paid by some providers when new customers take products after they've clicked on our links. We don't allow our editorial content to be affected by those links, however we may not include all of the products available in the market.
Please read our full disclaimer for other important information that relates to the information and service we provide and your use of this site.
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