longer-balance-transfer-credit-card

Longer Balance Transfer credit card

Our longest 0% balance transfer offer

0% for up to 36 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.
3.10% balance transfer fee.
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 Open in new window

Longer Balance Transfer credit card

Our longest 0% balance transfer offer

0% for up to 36 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.
3.10% balance transfer fee.
No annual (yearly) fee.

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 Open in new window

Compare all our balance transfer cards – and choose the one that's best for you.

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

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.

Compare our 3 balance transfer cards

0% offer for purchases, plus Representative APR

0% offer for balance transfers, plus any fee

Longer Balance Transfer card

First 3 months purchase period and 24.9% Representative APR (variable)

up to 36 months from account opening and 3.10% fee

Purchase and Balance Transfer card

up to 23 months purchase period and 24.9% Representative APR (variable)

up to 21 months from account opening and 3.49% fee

Balance Transfer card

First 3 months purchase period and 24.9% Representative APR (variable)

up to 11 months from account opening with no 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.

See more about our 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

See more about our Balance Transfer credit card

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

Before you start, please take a look at our important legal info:

See the Summary Box

How we use your information (PDF, 254 KB)

Let's start by checking your eligiblity...

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 costs.

It's then completely up to you if you want to apply. If you do, a full credit check will be done.

Check your eligibility Open in new window

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

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

Previous Open in new window