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Credit cards

Compare our 0% balance transfer credit cards

Pick from one of our balance transfer credit cards

Balance Transfer credit card

Good for - no fee to transfer a balance

0% for 20 months from account opening on balance transfers made within the first 3 months, after which standard rates apply

No fees to transfer a balance to this credit card

0% on purchases for 3 months from account opening, after which standard rates apply
 

Representative example

 

Purchase rate: 19.9% p.a (variable)
Representative APR: 19.9% (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.

Longer Balance Transfer Card

Good for - more time to pay your balance off

0% for 28 months from account opening on balance transfers made within the first 3 months, after which standard rates apply

2.75% balance transfer fee applies

0% on purchases for 3 months from account opening, after which standard rates apply
 

Representative example

 

Purchase rate: 19.9% p.a (variable)
Representative APR: 19.9% (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.

What you should know about balance transfers

Reasons to choose NatWest

Tools to keep you right

Our handy repayment calculator can help you work out your monthly payments to clear your balance before your 0% offer ends.

Email and text alerts

We’ll help you keep track of your 0% offer expiry date and repayment progress with a regular countdown, emails and alerts.

Banking made easy with our app

Set up a direct debit, create a spending budget and check your credit score with our mobile app. Criteria applies.

Calculate your repayments

To decide which card is right for you, you could calculate the amount you'll need to pay back each month to pay off your balance in full, before the 0% offer ends.

A simple example to help you calculate

'I want to transfer a balance of £4400'

Balance Transfer card

There's no balance transfer fee - so divide £4400 by 20 months = £220

You'll therefore need to pay £220 per month to pay off the card in full before the 20 month 0% offer period ends.
 

Longer Balance Transfer card

The balance transfer fee is 2.75% - so divide £4400 by 100, then times by 2.75. For £4400, the fee will be £121.

The total amount you will owe with this fee is £4521

Divide £4521 by 28 months = £161.46 

You'll therefore need to pay £161.46 per month to pay off the card in full before the 28 month 0% offer period ends.

Balance Transfer credit card

Good for - no fee to transfer a balance

Longer Balance Transfer Card

Good for - more time to pay your balance off

How do balance transfers work?

What you'll need

First, we'll ask you for the long card number of the card you wish to transfer a balance from. You'll then need to decide how much you want to transfer.

Save time by transferring a balance when you apply

The quickest and easiest way to do a balance transfer is during your application where you can transfer balances from up to 5 cards.

Transferring a balance after applying

If you'd rather wait until after you've applied to make a balance transfer, you can call the number on the back of your card and we'll be able to help.

Something else we can help you with?