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Longer Balance Transfer card

The credit card with our longest 0% balance transfer period

Representative 23.9% APR (variable)

Good for - when you need more time to pay off your balances

0% interest for 30 months on balance transfers

  • Your 30 month 0% offer starts from account opening after which standard rates apply
  • Balances must be transferred within 3 months of account opening
  • 2.99% 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 which standard rates will apply

What you should know about balance transfers

Representative example

Purchase rate

23.9%
p.a (variable)

Representative APR

23.9%
(variable)

Assumed credit limit

£1200

Annual fee

£0

Check your eligibility

We'll tell you if you'll be approved for this card and your indicative credit limit at the start of your application, with no impact on your credit score.

Compare Balance Transfer cards

How much would you like to transfer?
100
15000
Please enter a transfer amount.
How much can you afford to pay back each month?
0
This is set to 3% of the balance transfer amount to give you an indication of a minimum monthly repayment.
2000
Please enter a payback amount.
Longer Balance Transfer card
Purchase & Balance Transfer card
Balance Transfer credit card

Balance transfer 0% offer period

Balance transfer 0% offer period

Balance transfer 0% offer period

Balance transfer 0% offer period

Cost to transfer

Cost to transfer

Cost to transfer

Cost to transfer

Balance transfer fee

Balance transfer fee

Balance transfer fee

Balance transfer fee

Purchase and Balance Transfer card

Representative example:

Purchase rate: 23.9% p.a (variable)
Representative APR: 23.9% (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.

Balance Transfer credit card

Representative example:

Purchase rate: 23.9% p.a (variable)
Representative APR: 23.9% (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.

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.

Mobile App Features

Lock and unlock your credit card

Take control of your spending

Check your credit score

Replace your credit card

Do a balance transfer

What you should know

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

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
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 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

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.

Longer Balance Transfer card - FAQs

Something else we can help you with?