balance-transfer-credit-card

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Balance Transfer credit card – 0% interest and no balance transfer fee

0% for up to 11 months from account opening on balance transfers made in the first 3 months. Then standard rates apply.
0% on purchases for 3 months from account opening. Then standard rates apply.
No fee to transfer a balance (move debt) to this card. Yay!
No annual (yearly) fee.

You can transfer a balance from most other credit or store cards but not from another NatWest Group credit card. You must transfer at least £100. The most you can transfer is up to 95% of your credit limit.

Representative Example - Representative 24.9% APR (variable). Purchase rate: 24.9% p.a (variable). Assumed credit limit: £1,200. No annual fee.

Your credit limit, length of 0% interest introductory offer and APR may be different. It depends on our credit assessment of you. For interest on fees and charges, see our terms.

To apply, you must be a UK resident, aged 18+ and earn £10K+ each year

Check if you could get this card

Check your eligibility. (Won't harm your credit score.)

Find out if we'll say 'yes' before you apply.

It's free to check, takes less than 10 minutes and won't affect your credit score.

Check your eligibility, free

Good to know...

What you should know about 0% offers for balance transfers and purchases

We'll tell you how long your 0% offers are for at the start of your application.
To get the 0% balance transfer offer, you must transfer a balance (move debt) within 3 months of account opening.
While you have your 0% offer on purchases, you won't pay interest on purchases. After it ends, you'll pay our standard interest rates on any balance (debt) you have left on your card. You'll also pay interest on any new purchases until you've paid back everything you owe.

Which balance transfer credit card is best?

All our balance transfer cards come with 0% offers. So, which is best for you? We've made it easy for you to compare...

Compare our 3 balance transfer cards

	0% offer for balance transfers, plus any fee	0% offer for purchases, plus Representative APR
Balance Transfer credit card	up to 11 months from account opening with no fee	First 3 months purchase period and 24.9% Representative APR (variable)
Purchase & Balance Transfer card	up to 21 months from account opening and 3.49% fee	up to 23 months purchase period and 24.9% Representative APR (variable)
Longer Balance Transfer card	up to 36 months from account opening and 3.40% fee	First 3 months purchase period and 24.9% Representative APR (variable)

Purchase & Balance Transfer card

Representative example: Purchase rate: 24.9% p.a. (variable) Representative APR: 24.9% APR (variable) Assumed credit limit: £1200 Annual fee: £0

Your credit limit, 0% introductory offer and APR may be different. It depends on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.

See more about our Purchase & Balance Transfer card

Longer Balance Transfer card

Representative example: Purchase rate: 24.9% p.a. (variable) Representative APR: 24.9% APR (variable) Assumed credit limit: £1200 Annual fee: £0

Your credit limit, 0% introductory offer and APR may be different. It depends on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.

See more about our Longer Balance Transfer card

Please read, print and/or save this important legal info:

Summary Box

How we use your information (PDF, 247 KB)

Ready? First we'll see if you could get this card...

We'll check your eligibility at the start – this won't harm your credit score

We'll also give you an idea of how much you could borrow – and the cost.

It's then completely up to you if you want to apply and do a full credit check.

Check your eligibility and apply

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

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

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