Balance Transfer credit card

The credit card that helps you save money on balance transfers

Representative 19.9% APR (variable)

0% for 23 months on balance transfers made in the first 3 months

At the end of the 23 months, standard rates will apply

Each transfer must be at least £100

No fees to transfer a balance to this credit card

We won't charge you a fee for transferring a balance to this credit card

No annual fee

0% interest for the first 3 months on purchases

This offer is available on purchases made in the first 3 months of opening your account

After the first 3 months, standard rates will apply

Representative example

Purchase rate

p.a (variable)

Representative APR


Assumed credit limit


Annual fee


What you should know about balance transfers

Features and benefits


A balance transfer credit card to shout about

You'll pay 0% for 23 months on all balance transfers made within the first 3 months, and no balance transfer fee. You'll also pay 0% on all purchases made within the first 3 months. And to top it off, there's no annual fee.

Peace of mind with our 0% offer

If you miss a monthly repayment we won't remove your interest free offer. Please note you could still be charged a late payment fee. We'll also keep you up to date with regular emails, alerts and reminders about your balance transfer card and repayments.

Making balance transfers easy

We'll make it easy to transfer your existing balances to the Balance Transfer credit card. Just tell us during your application and if it is successful we will contact your existing card issuers to transfer the balance.


Manage your card 24/7

Managing your credit card is easy with our mobile app.

Apple Pay and Contactless

These are two convenient ways to pay using the Balance Transfer credit card

Lock and unlock your credit card in our app

We want to make managing your credit card simple and safe. If you have misplaced your credit card, you can lock and unlock it in the app. You can also request a pin reminder or unblock your pin. App eligibility criteria applies.

Other charges or fees

Some other important details you should be aware of.

Paying your credit card

To make it really convenient, there are a number of ways you can pay every month.

How to apply for a credit card online

What you'll need

We'll ask where you've lived for the last 3 years, as well as information about your bank account, income and outgoings.

How long will it take?

The application takes around 10 minutes and you'll know whether you've been accepted or not within 5 minutes.

When will I get my card?

If your application is successful, your card should arrive within 5-7 working days.

Check out this short video guide to find out more about applying online.

Ready to apply?

Let's get started. Do you have NatWest online banking?