purchase-and-balance-transfer-card

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Our Purchase & Balance Transfer card

0% interest on purchases for up to 23 months – 0% offer starts from account opening.
0% interest on balance transfers for up to 21 months from account opening - you must transfer your balance (move debt) in the first 3 months of account opening.
After your 0% offers end? You'll pay our standard rates.
3.49% balance transfer fee - a one-off fee. You pay it every time you move debt to this card.

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.

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Good to know...

How the 0% purchase offer works

This card comes with a 0% interest introductory offer. While you have this 0% offer, you won't pay interest on purchases.
We'll tell you how long your 0% offer is for at the start of your application.
After your 0% interest offer on purchases ends, you'll pay our standard interest rates on any balance (debt) you have left on your card, and you'll pay interest on any new purchases until you've paid back everything you owe.

How the 0% balance transfer offer works

To get the 0% balance transfer offer, you must transfer a balance (move debt) within 3 months of account opening.
You can transfer a balance from most other credit cards or store cards to your NatWest credit card. Some exclusions may apply. You can't move debt from a loan or overdraft.

Which balance transfer card is best for you?

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

	0% offer for balance transfers, plus any fee	0% purchase offer and Representative APR
Purchase and Balance Transfer card	up to 21 months from account opening and 3.49% fee	up to 23 months 0% purchase period and 24.9% Representative APR (variable)
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)
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)


Balance Transfer credit 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, 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 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 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 Longer Balance Transfer card

Before you apply, please take a look at our 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.

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How we use your information (PDF, 247 KB)

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We'll check your eligibility at the start

See if you'll be approved and your indicative credit limit and interest rate at the start of your application - with no impact on your credit score.

It's then completely up to you if you want to continue with your application and a full credit check.

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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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