Longer Balance Transfer Card

Good for - more time to pay your balance off

Representative 19.9% APR (variable)

0% for 28 months on balance transfers

Balances must be transferred within 3 months of account opening

Your 28 month 0% offer starts from account opening, after which standard rates apply

2.75% balance transfer fee applies. No annual fee

0% interest for the first 3 months on purchases

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

After the first 3 months, standard rates will apply

What you should know about balance transfers

Representative example

Purchase rate

p.a (variable)

Representative APR


Assumed credit limit


Annual fee


Managing your credit card

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.

Paying your credit card

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

Other charges or fees

Some other important details you should be aware of.

Card Features

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.

Mobile App Features

Lock and unlock your credit card

Take control of your spending

Check your credit score

Replace your credit card

Set your travel plans

What you should know

Our mobile app is available to customers with Online Banking, compatible iOS and Android devices and a UK or international mobile number in specific countries.

Still undecided?

Our Balance Transfer hub can help you compare our balance transfer credit cards, but we have more credit cards to choose from if you're weighing up all your options.

Get ready to apply

Before you apply, we need to check you’re happy with a few things and ask you a few questions up front. This will make your application as quick and simple as it can be.

First, let's run through what you'll need:

  • Your address details for the last 3 years
  • Your income, outgoings and employment details
  • A note of any cards you wish to transfer a balance from

Now please take a look at the important legal info

By clicking 'Start your application' below, you are confirming that you have been provided with, and are happy with what's in these documents. Please take some time to review, print and/or save the important information.

Let's get started. Do you have NatWest Online Banking?

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The quickest route

You're all set

Just a heads up - you'll need your Online Banking login 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 Longer Balance Transfer Card online. The good news is that it normally takes only 5 minutes. If you need a hand, follow our step-by-step guide below.

Online Banking available to customers aged 11+ with a NatWest account.

Forgotten your Online Banking login details?

Don't worry, re-registering for Online Banking is easy and takes just a few minutes. By doing that, you'll then be reminded of your customer number and be able to choose a new PIN and password.

Now you've finished setting up Online Banking, you're all set.

Just a heads up - you'll need your Online Banking login details at the next step.