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

19.9%
p.a (variable)

Representative APR

19.9%
(variable)

Assumed credit limit

£1200

Annual fee

£0

The representative example is a tool that all lenders use to help you compare the cost of borrowing in one handy format.

 

purchase rate is the interest rate charged when buying most goods or services on a credit card. If you pay off the full card balance each month, you will not be charged interest on purchases.

The Representative APR is the annual percentage rate that’s used to indicate the full cost of borrowing from us. This includes any up-front fees spread over a year.

The assumed credit limit is a guide limit we need to quote when we’re explaining the typical costs within the representative example. We’ve used £1200 as a guide, but the actual credit limit you receive will depend on your circumstances.

The annual fee simply confirms the fee you'll pay annually as part of your agreement with us. With the Balance Transfer credit card, there's no annual fee. Nice and simple.

We treat all applications on an individual basis, so the purchase rate and APR you get is determined by your own circumstances and credit history. Most successful applicants will receive the Representative APR displayed.

What you should know about balance transfers

Features and benefits

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.

About our 0% offer

Pay 0% for 23 months on all balance transfers made within the first 3 months, thereafter standard rates apply. Each transfer must be at least £100.

Pay 0% on all purchases made within the first 3 months. This offer is available on purchases paid off in full in the first 3 months of opening your account. After the first 3 months, standard rates will apply. 

No balance transfer fee.

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.

Peace of mind with our 0% offer

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 carry any balance forward from a previous month (including 0% balance transfers), after your 0% purchase offer has ended, then interest will be charged on purchases from the date they are debited to your account.

 

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.

What is a balance transfer?

A balance transfer is when you move a credit card balance from one credit card provider to another. This type of offer could help reduce your monthly credit card payments and/or clear your debt quicker.

How it works

If your application is successful, we'll contact your existing card issuers. We'll then transfer across what you owe on your old card onto the Balance Transfer credit card. 

You can transfer any amount, up to 95% of your available credit limit. The minimum balance transfer amount is £100. Please note, you cannot transfer a balance from another Royal Bank of Scotland Group credit card.

Features

Manage your card 24/7

Managing your credit card is easy with our mobile app.

Manage your card 24/7

Want to make a purchase on your card but you're not sure you've got available credit? Just go online or use our mobile app and you can check your balance in seconds. You can also review all your transactions, pay off your balance, report your card as lost or stolen and much more.

What you should know

App available to Online Banking customers with a UK or international mobile number in specific countries. 

Apple Pay and Contactless

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

Apple Pay and Contactless

Apple Pay allows you to make a contactless payment in shops, because all your card details are stored within an Apple device. You simply touch your Apple device to the card reader and hey presto! Payment made.

Learn more about Apple Pay

Remember, all our credit cards are contactless too. It’s a super quick and no-fuss way to pay for items of £30 or less.

What you should know

Apple Pay is available on selected Apple devices.

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.

Costs

Other charges or fees

Some other important details you should be aware of.

Other charges or 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.

Paying your credit card

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

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, a fixed amount or your full credit balance every month.

You can also make a payment in the mobile app or online banking.

Our repayment 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.

Use our repayment calculator

What you should know

If you set up a Direct Debit for the minimum or fixed amount, the payment is claimed 25 calendar days from the statement date, or shortly afterwards. If you set up a Direct Debit for the full credit card balance, the payment is claimed 15 calendar days from the statement date, or shortly afterwards.

 

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?

To apply, you must be

  • Aged 18+ and a UK resident
  • Earning at least £10K per year
  • An existing NatWest current account, savings account, credit card or mortgage holder

 

What you'll need

Your income, outgoings and employment details

Your online banking log in details

A note of any cards you wish to transfer a balance from

Now for the important legal stuff

Please read these important documents

Please take some time to read the important information. By clicking 'Start my application' below, you are confirming that you have been provided with, and have acknowledged our important documents.

Great! Looks like you're all set and ready to go.

Just a heads up - you'll need your online banking sign-in details at the next step.

To apply, you must be

Aged 18+ and a UK resident

Earning at least £10K per year

An existing NatWest current account, savings account, credit card or mortgage holder

 

What you'll need

Your income, outgoings and employment details

Your bank account details

A note of any cards you wish to transfer a balance from

Now for the important legal stuff

Please read these important documents

Please take some time to read the important information. By clicking 'Start my application' below, you are confirming that you have been provided with, and have acknowledged our important documents.

Great! Looks like you're all set and ready to go.