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Credit cards

Compare our 0% balance transfer credit cards

Pick from one of our balance transfer credit card offers

You could save money on balance transfers and purchases with one of our balance transfer credit cards.

Balance Transfer credit card

Good for - transferring a balance with a low fee

0% for 18 months from account opening on balance transfers made within the first 3 months, after which standard rates apply

0.49% 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.

Longer Balance Transfer Card

Good for - more time to pay your balance off

0% for 23 months from account opening on balance transfers made within the first 3 months, after which standard rates apply

1.99% 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

See the monthly repayments needed to pay off your balance in full before the 0% offer ends.

A simple example to help you calculate

In this example, we'll show you how much you would need to repay if you transferred £4,400 to our Longer Balance Transfer Card.

Check the fee

First, you'll need to make a note of the fee to transfer a balance (if there is one). In this example, there is a 1.99% fee.

Calculate

Next, divide £4,400 by 100, then times by 1.99. In this example, the fee will be £87.56. So, the total amount you'll owe including the fee is £4,487.56.

Repay

Lastly, divide £4,487.56 by 23 (the offer period). This means you'll need to repay £195.11 per month to pay off the card before the 0% offer period ends.

Balance Transfer credit card

Good for - transferring a balance with a low fee

Longer Balance Transfer Card

Good for - more time to pay your balance off

How do balance transfers on credit cards 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.

Transfer 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.

Transfer a balance after applying

If you'd rather wait until after you've applied to do a balance transfer, you can use the NatWest mobile app, or call the number on the back of your card. (Mobile app criteria apply)

Something else we can help you with?