Rates and charges
Business banking for every business
NatWest's Business Credit Card is designed for start ups and businesses with turnover less than £2M. It is simple, secure and flexible to make sure your day-to-day business runs as smoothly as possible.
The information contained in this table summarises key product features and is not intended to replace any Terms and Conditions.
| Purchase APR | Representative 23.2% APR (Variable) |
|---|---|
| Interest rates | Purchases Balance transfers Cash Advances Cheques
Monthly Rate 1.408% 1.408% 2.075% 2.075%
Annual Rate 16.9% 16.9% 24.9% 24.9% |
| Interest-free period | Maximum 45 days for purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time. No interest-free period on balance transfers, Cash Advances or cheques |
| Interest charging information | You will not pay interest on new purchases if you pay your balance in full and on time, and have paid the previous month's balance in full and on time. Otherwise, the period over which interest is charged will be as follows: Purchases Balance transfers Cash Advances Cheques
From Date debited to your account Date debited to your account Date debited to your account Date debited to your account
Until Paid in full Paid in full Paid in full Paid in full |
| Allocation of payments | If you do not pay off your balance in full, payments we receive are applied towards the repayment of the items on the Business Account in the following order:
For further details, please refer to your Business Card General Terms |
| Minimum repayment | 5% or £5, whichever is greater If you only make the minimum payment it will take longer and cost more to clear your balance. |
| Credit Limit | Minimum credit limit £500 Maximum credit limit subject to status. |
| Fees | Annual Card Fee (for each card issued) normally £32 For further details, please refer to your Business Card General Terms |
| Charges | Cash Advance Handling Fee: 3%, minimum £3 Cheque Handling Fee: 2.5%, minimum £2 Transactions in foreign currencies (including purchase of foreign currency and travellers’ cheques): 2.95% Request to stop a cheque payment: £25 For further details, please refer to your Business Card Terms |
| Default charges | Over limit fee: £12 Late payment fee: £12 Returned payment fee: £12 |
* For 084/087 numbers, max call charge from a BT landline is 10.4p plus up to 7.6p per minute. Business rates and calls from other networks may vary. Calls may be recorded.
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Call us on
0845 301 6263
Minicom
1800 201 733
Monday to Friday 8am-6pm and Saturday 9am-1pm.
Calls may be recorded