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Purchase & Balance Transfer card

0% interest on purchases and balance transfers for 20 months

Representative 21.9% APR (variable)

0% interest for 20 months on purchases

  • The 20 month 0% interest period starts from when you open your account
  • After the 20 months are up, our standard rates will apply on any new purchases and you'll need to pay interest on any remaining balance

0% for 20 months on balance transfers

  • 0% for 20 months from account opening on balance transfers made within the first 3 months, after which standard rates apply on any remaining balance
  • 1.99% balance transfer fee applies, no annual fee

Check your eligibility

We know applying to borrow money can be a bit nerve-wracking. Our eligibility checker will let you know if you're likely to be accepted for this credit card before you apply, without impacting your credit rating.

Representative example

Purchase rate

21.9%
p.a (variable)

Representative APR

21.9%
(variable)

Assumed credit limit

£1200

Annual fee

£0

Would this card work for you?

Everyone has different circumstances and priorities - here's a couple of key ways this card could be a good fit for your lifestyle:

You need to spread the cost of a big purchase

With this card you could buy now and spread the cost over a time that suits you - with no interest being added on top for the first 20 months from account opening.

You pay interest on an existing credit card

You could transfer a current balance to this card and pay 0% interest for 20 months, which could help make any outstanding debt feel a bit more manageable

Stay on top of spending with our mobile app

Keep track of your balance and payments in one place, giving you the freedom to manage your money in a way that works for you. Mobile App eligibility criteria applies.

Compare with our Balance Transfer credit card

This calculation is for illustrative purposes only

Managing your credit card

About your 0% offer

If you miss a monthly repayment we won't remove your 0% offer. But you could still be charged a late payment fee. We'll also update you on your 0% offer expiry and repayment progress with regular emails and alerts.

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.

Get ready to apply

First, let's check your eligibility

Use our free eligibility checker before you apply to see if you’re likely to be accepted. It takes just 2 minutes and there’s no impact on your credit score.

If you've already checked, you're good to move on to the legal documents below.

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 have NatWest Online Banking?
You'll need to have Online Banking to apply online with us. If you don't, we'll help you sign up easily in just 5 minutes. You could save time by applying through our mobile app if you're already set up.

You're all set

Just a heads up - here's what you'll need to apply:

  • Your Online Banking login details
  • 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

Let's get you set up

You'll need to sign up for Online Banking with us 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.

What you'll need

  • Your sort code and account number
  • Your NatWest debit card, if you have one

When you've got your new online banking details, select 'Next' below to continue applying for this credit card.

You're all set

Just a heads up - here's what you'll need to apply:

  • Your Online Banking login details
  • 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

Let's get you sorted

You’ll need your customer number, online banking PIN and password to apply online. Pick from one of the options below and we'll help you on your way.

When you've got your new online banking details, select 'Next' below to continue applying for this credit card.

You're all set

Just a heads up - here's what you'll need to apply:

  • Your Online Banking login details
  • 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

Something else we can help you with?