Balance Transfer credit card

The credit card that helps you save money on balance transfers

Representative 19.9% APR (variable)

0% for 20 months on balance transfers

Balances must be transferred within 3 months of account opening

Your 20 month 0% offer starts from account opening, thereafter standard rates 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

With this card, you can relax knowing that from account opening you get 0% on balance transfers for 20 months and on purchases for 3 months. Standard rates will apply thereafter. Transfers and purchases must be made in 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.


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.

Ways to pay

There are plenty convenient ways to pay using the Balance Transfer credit card.

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.

Mobile App Features

Lock and unlock your credit card

Take control of your spending

Manage your card 24/7

Replace your credit card

Set your travel plans

Go paperless

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?

icon-quickest-route-black Created with Sketch.
The quickest route

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.

Register for online banking

You'll need to sign up for online banking with us in order to apply for the Balance Transfer credit card online. The good news is that it normally takes only 5 minutes.

What you'll need

You'll need your sort code and account number, and your NatWest debit card if you have one.