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Longer Balance Transfer card

The credit card with our longest 0% balance transfer period

Representative 24.9% APR (variable)

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

Longer Balance Transfer credit card

Get more time to pay off your balance and enjoy a longer 0% balance transfer period with our Longer Balance Transfer card. Our longer term 0% balance transfer credit card allows you to transfer debts from one or more existing cards to your new card. 

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

0% interest for 23 months on balance transfers

  • Your 23 month 0% offer starts from account opening after which standard rates apply
  • Balances must be transferred within 3 months of account opening
  • 3.49% balance transfer fee applies. 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 which standard rates will apply
Information Message

Which? Recommended Provider

As a completely independent organisation, the granting of Which? Recommended Provider status truly reflects what they think – not what someone else wants them to say.

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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

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: 24.9% p.a (variable)
Representative APR: 24.9% (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.

Information Message

Balance Transfer credit card

Representative example:

Purchase rate: 24.9% p.a (variable)

Representative APR: 24.9% (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.

Information Message

Benefits of the NatWest Longer Balance Transfer Credit Card

  • The longer 0% interest period gives you more time to pay off your balance.
  • It’s easy to manage your payments and your card.
  • Our longer term balance transfer credit could simplify debt management. You could bring all your balances onto one card so you can keep track of everything, all in one place.

It’s important to note that there may be a fee to transfer a balance and you should consider the costs you will pay when any introductory offer expires. You also require to consider any special offers that may already be in existence on your present credit cards.

Managing your longer balance transfer 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
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.

Longer Balance Transfer card - FAQs

Something else we can help you with?