Balance Transfer credit card

Applying just takes 10 minutes and you'll get a decision within 5 minutes

Representative 24.9% APR (variable)

Available to UK residents, aged 18+ and earning at least £10K per year

0% for 13 months on balance transfers

Balances must be transferred within 3 months of account opening

Your 13 month 0% offer starts from account opening, after which standard rates apply

No fee to transfer a balance to this card. No annual fee

Information Message

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

Information Message

Information Message

What you should know about balance transfers

Representative example

Purchase rate

24.9%
p.a (variable)

Representative APR

24.9%
(variable)

Assumed credit limit

£1200

Annual fee

£0
Information Message

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?

We have more credit cards to choose from if you're weighing up all your options.

Get ready to apply

We'll check your eligibility at the start

We'll ask a couple of questions about you to get started so we can let you know if you'll be approved and the indicative credit limit and interest rate you'll receive.

Don't worry - this doesn't have an impact on your credit score until you decide you want to go ahead with your application.

Now please take a look at the important legal info

By selecting 'continue' 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.

All okay? Let's get started

Do you bank with us already?
Let us know if you already have a current account, savings account, credit card or mortgage with NatWest
What device are you using?
Are you using your mobile, or something else, to apply for a credit card?
Is our app on the device you’re using right now?
The NatWest app is the easiest way for you to apply for a credit card. Do you have it on this device?

Great, let's get started

Just a heads up - you'll be asked to log into the NatWest mobile app to start your credit card application.

Do you have NatWest online banking?
If you know your online banking details we can pre-fill some of your info - making the application process faster.

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Online Banking, then return to our credit cards page.

How to apply:

(Please take notes or a picture of this, so you remember)

  1.  Log in to Online Banking.
  2. Choose ‘Credit cards’ (it’s under ‘Our Products’, bottom right).
  3. You’ll return to our credit card page.
  4. Choose ‘Apply for a credit card’.
  5. Choose ‘let’s start’ (under ‘Ready to apply’).

 

Log in and apply.

 

Let’s get you signed up for Online Banking

You’ll need to sign up for Online Banking with us in order to apply for a credit card. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest Debit Card, if you have one.

Do you have Online Banking?
Got Online Banking? We’ll pre-fill some of your info – so it’s faster for you to apply.

Log in to start your application (please read the below carefully)

To apply, you’ll need to log in to Online Banking, then return to our credit card page.

How to apply:

(Please take notes or a picture of this, so you remember!)

1.       Log in to Online Banking.

2.       Choose ‘Credit cards’ (it’s under ‘Our Products’, bottom right).

3.       You’ll return to our credit card page.

4.       Choose ‘Apply for a credit card’.

5.       Choose ‘let’s start’ (under ‘Ready to apply’).

 

Log in and apply.

Let’s get you signed up for Online Banking

You’ll need to sign up for Online Banking with us in order to apply for a credit card. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest debit card, if you have one.

You're all set

Just a heads up, if you choose to continue with your application after we give you an indicative limit, our partner HooYu will then check your identity by matching you to your photo ID. If you don’t have your ID to hand you can finish this step later.

To find out more about HooYu and Photo ID, take a look at our FAQs below.

Balance Transfer credit card - FAQs