Balance Transfer credit card
0% for 13 months and no fee for balance transfers
Available to UK residents, aged 18+ and earning at least £10K per year
On this page
About this credit card Open in new window
Check your eligibility Open in new window
Representative Example Open in new window
Compare Balance Transfer cards Open in new window
Managing your credit card Open in new window
FAQs Open in new window
Apply now Open in new window
Good for - having no fee to transfer your balances
0% interest for 13 months on balance transfers
Balances transfers must be made within 3 months of account opening
Your 13 month 0% offer starts from account opening, after which standard rates apply
No fee to make balance transfers. No annual fee
Use worldwide at Mastercard® locations, in-store and online
Information Message
0% interest for the first 3 months on purchases
This offer is available on purchases made and paid off in full in the first 3 months of opening your account
After the first 3 months, standard rates will apply
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Information Message
What you should know about balance transfers
- You can transfer a balance (move debt) from most other credit cards or store cards to your NatWest credit card. Some exclusions apply. You can't move debt from a loan or overdraft.
- You can’t move debt from another NatWest Group credit card. See all NatWest Group credit cards.
- You must transfer at least £100. The most you can transfer is up to 95% of your credit limit.
Representative example
Purchase rate
24.9%
p.a (variable)
Representative APR
24.9%
(variable)
Assumed credit limit
£1200
Annual fee
£0
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Information Message
Your actual credit limit and APR may vary depending on our credit assessment of you.
You may receive higher than our standard purchase and balance transfer rate of 24.9% p.a. (variable) upon application - up to 29.9% p.a. (variable).Interest on fees and charges is payable in line with our terms and conditions. See the Summary Box document (PDF, 48KB)for more details.
Check your eligibility
We'll tell you if you'll be approved for this card and your indicative credit limit at the start of your application, with no impact on your credit score.
Start an application to check Open in new window
Balance Transfer credit card
Purchase & Balance Transfer card
Longer Balance Transfer card
Balance transfer 0% offer period
Balance transfer 0% offer period
Balance transfer 0% offer period
Balance transfer 0% offer period
Cost to transfer
Cost to transfer
Cost to transfer
Cost to transfer
Balance transfer fee
Balance transfer fee
Balance transfer fee
Balance transfer fee
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Check eligibility and apply
Check eligibility and apply
Check eligibility and apply
Purchase and Balance Transfer Card
Representative example:
Purchase rate: 24.9% p.a (variable)
Representative APR: 24.9% (variable)
Assumed credit limit: £1200
Annual fee: £0
Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.
Information Message
Find out more and apply Open in new window
Longer Balance Transfer Card
Representative example:
Purchase rate: 24.9% p.a (variable)
Representative APR: 24.9% (variable)
Assumed credit limit: £1200
Annual fee: £0
Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.
Information Message
Find out more and apply Open in new window
Managing your balance transfer credit card
- Costs
- Card Features
- Mobile App Features
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About your 0% offer
If you miss a monthly repayment we won't remove your 0% offer. But you could still be charged a late payment fee. We'll also update you on your 0% offer expiry and repayment progress with regular emails and alerts.
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0% on balance transfers
Please remember once your offer period ends, our credit cards offer the standard interest free period up to 56 days, as long as balances are paid in full.
What you should know
If you make any purchases after your 0% purchase offer has ended, you will be charged interest on those purchases from the date they are debited to your account. Interest will also be charged on any purchase balance brought forward from a previous month.
If you make any balance transfers after your promotional period has ended (90 days), you will be charged the standard rate of interest on the amount you transfer.
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Paying your Balance Transfer credit card
To make it really convenient, there are a number of ways you can pay every month.
Making a payment - in detail Close
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Making a payment
There are several ways you can pay your credit card. The most common is setting up a Direct Debit. Once you’ve set it up, the payment will be taken automatically each month. You can choose to pay the minimum amount, the minimum payment plus, a fixed amount or your full credit balance every month.
You can also make a payment in the mobile app or Online Banking.
If you do not hold a NatWest current account you can also pay your Credit Card from another UK bank account using Open Banking (Payit) via the mobile app or, if you wish you can arrange payment by direct debit, via Online or Telephone Banking with your current account.
Ourrepayment calculator will show you how much faster you might be able to clear your credit card balance if you pay more than the minimum amount.
What you should know
If you set up a Direct Debit for the minimum, minimum payment plus, fixed or full amount, the payment is claimed 25 calendar days from the statement date, or shortly afterwards.
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Other charges or fees
Some other important details you should be aware of.
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Potential charges and fees
Late paying
If you’re late paying, we’ll charge you a fee of £12. That’s why setting up a Direct Debit makes sense – you’ll never be late paying again. We get that little mistakes are easy to make, so if you miss your payment due date by just one day, we won't charge you the late payment fee.
Over your limit
If you go over your limit we’ll charge you a fee of £12. If you only go over your limit by £12 or less, we won’t charge you. A good way to avoid going over your limit is to log onto NatWest Online Banking or fire up our mobile app and check your balance before you make your next card purchase.
For full details of fees, please see the Summary Box in the Ready to apply section below.
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Card Features OpenClose
Spread the cost of your purchase
Need to make a big purchase and don’t want the money to come out of your current account? A credit card Instalment Plan could be a good way to spread the cost.
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Instalment Plans
You will need the NatWest mobile app to set up, track and manage an Instalment Plan. Then, you can repay eligible credit card purchases or expired 0% balance transfer offers between £100 and £3000 inclusive. If Instalment Plans are available to you, we’ll let you know via our mobile banking app by adding an ‘eligible instalment plan flag’ to your transaction, or as a notification when your 0% balance transfer offer has expired.
With an Instalment Plan, you can:
- Pay back your purchase over a set period that suits you. This can be between 3 to 24 months.
- Avoid interest and pay a set fee each month instead. The fee could end up being cheaper than your standard credit card interest rate.
- Make an easy repayment budget by avoiding hidden costs.
Learn more about Instalment Plans and how to create one
What you should keep in mind
- Instalment Plans are for existing credit card customers only, eligibility criteria and monthly fees apply.
- To be eligible your transaction needs to be either on your latest statement or applied to your account since your last statement was produced. You cannot have a cash balance on your credit card account.
- Your monthly payments and fee will vary according to the size of your purchase and how long you’re taking out the plan for.
- The Instalment Plan counts as existing credit limit, which means you can’t free up additional funds by moving a purchase to an Instalment Plan. The Instalment Plan should be lower than your usual repayment interest on your card.
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Ways to pay
There are plenty convenient ways to pay using the Balance Transfer credit card.
Ways to pay - in detail Close
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Different ways to pay
Apple Pay and Google Pay™ allow you to make a contactless payment in shops, because all your card details are securely stored within your device. Just touch your device to the card reader and hey presto! Payment made.
Learn more about Apple Pay
Learn more about Google Pay
You can also send money securely with Paym, all you need is a telephone number and our mobile banking app.
Remember, all our credit cards are contactless too. It’s a super quick and no-fuss way to pay for items.
What you should know
Apple Pay is available on selected Apple devices.
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Lock and unlock your Balance Transfer credit card
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Ways to lock and unlock your card
We want to make managing your credit card simple and safe. If you’ve misplaced your credit card, you can lock and unlock it in the app. You can also request a PIN reminder or unblock your PIN through the app. This feature applies to Mastercard credit cards only.
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Take control of your spending
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Keep your spending in check
You can use the mobile app to check your balance, set a daily or monthly budget and lock certain transaction types. If you accidentally go over budget, we’ll send you a notification as a handy reminder. Managing your credit card in the app is easy too – you can pay your balance, set up a direct debit, change your credit limit and lots more.
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Check your credit score
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Checking your credit score
Want to stay on top of your financial health? View your credit score and some of the key details that help to calculate it for free in the app by going to your Profile. You can check it as often as you like with no impact on your credit score. Credit score is available once opted in through the app, to customers aged 18+ with a UK address, and is provided by TransUnion.
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Replace your Balance Transfer credit card
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Replacing your card
On the iPhone you can order a replacement for a lost or damaged credit card straight from the app. Select your credit card, tap ‘Manage my card’, then tap ‘Report lost, stolen or damaged’. It’s that simple.
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Do a balance transfer
Balance transfers in the app - in detail Close
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Do a balance transfer
You can now request a balance transfer in the app by selecting your credit card and choosing the ‘Balance Transfer’ option. It's as simple as that.
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What you should know
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.
Get ready to apply
We'll check your eligibility at the start
We'll ask a couple of questions about you to get started so we can let you know if you'll be approved and the indicative credit limit and interest rate you'll receive.
Don't worry - this doesn't have an impact on your credit score until you decide you want to go ahead with your application.
Now please take a look at the important legal info
By selecting 'continue' below, you are confirming that you have been provided with, and are happy with what's in these documents. Please take some time to review, print and/or save the important information.
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Summary Box (PDF, 4 MB)
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Sample Credit Agreement (PDF, 145 KB)
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Our Lending Commitments (PDF, 531 KB)
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How We Use Your Information (PDF, 202 KB)
Balance Transfer credit card - FAQs
Applying for a credit card is a quick and easy process. In most cases, your application will be complete in under 30 minutes. We've put together astep-by-step guideon how to apply for a credit card in the UK.
You can find out more on how a credit card works and if it's the right borrowing product for you on our helpfulcredit card guide page.
If you're a new customer, we have to confirm your identity to make sure we’re opening the account for the right person. We do this through our trusted online identification and security partner Mitek.
Mitek can quickly and safely verify people from all over the world using digital footprints, ID document authentication and facial biometrics. It’s not only safer, it also speeds up the application process meaning your account is opened faster.
This way, we can check you are you, while keeping your details completely safe and secure.
Find out more about Mitek.
Here are themost common proof of ID and address documents we accept.
Proof of ID documents:
- Driver's Licence (UK/EU/EEA)
- UK passport, Foreign passport & Visa
- EU and EEA National Identity Card
Proof of address documents:
- Driver's Licence
- UK utility bill (gas, electricity, water, home telephone)
- Bank/Building Society statement
- Council tax bill
More details on Proof of ID and address
A balance transfer is when you move a credit card balance from one provider to another. It could help reduce your monthly credit card repayments or clear your debt quicker.
With 0% balance transfer cards, you’re offered a 0% interest rate on balances, usually for a set period. If you’re paying interest on other cards, you could save money by transferring your balance. It’s important to note that there may be a fee to transfer a balance and you should consider the costs you will pay when any introductory offer expires. You also require to consider any special offers that may already be in existence on your present credit cards. For more information check out our guide on what is a balance transfer credit card.
Balance transfer fees are applied when you transfer credit card debt to a new card. They’re usually a percentage of the total amount you transfer.
Balance transfer fees are applied to each transfer by your new credit card provider. They’re mostly applied to the balance up front when it’s transferred.
A balance transfer is when you move a credit card balance from one card provider to another. A money transfer is when you use a credit card to transfer money directly into your bank account.
It’s important to note there is often a fee attached to these processes – typically a percentage of the amount you’re transferring.
You can transfer balances from up to 5 cards and up to a total of 95% of your credit limit. If you want to transfer from more cards, you can call us when you get your card. The cards you're transferring from need to be in your name. We can transfer balances from most credit card providers, but wedon'taccept balance transfers from other NatWest Group credit cards. You can make balance transfers:
- On our mobile app. Select the card you wish to transfer to and then click ‘Balance Transfer’.
- During your credit card application, you can tell us if you would like to transfer a balance and we’ll set this up with your new credit card account.
- By phone. Call the number on the back of your credit card and we’ll complete your transfer over the phone.
We usually process your transfer within the first working day. If it’s part of a new application, we’ll delay it until your application has been processed.
Your lender(s) will then receive the payment over the next working day. This is subject to additional checks and the day and time of the transfer. We cannot process payments outside of business hours. This includes on a weekday after 7pm, on a weekend or on a bank holiday.
