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Credit cards

Balance transfer credit cards

Always make sure you pay on time and stay within your credit limit, we may need to end any introductory offers if you don't. You can transfer balances of any amount up to 95% of your available credit limit, but we can't accept transfers from other Royal Bank of Scotland Group credit cards. Interest on fees and charges is payable in line with our terms and conditions.

From account opening you get:

  • 0% interest for 28 months on all balances transferred within 3 months
    (2.99% fee, min 5)
  • 0% on purchases for 6 months

To apply you need to be aged 18 or over, a UK resident and earning at least 10,000.

Representative Example:

Representative 18.9% APR (variable), Purchase rate 18.95% p.a. (variable), Assumed credit limit: 1,200

Your actual credit limit will depend on our credit assessment of you.

From account opening you get:

  • 0% interest for 15 months on all balances transferred within 3 months
    (0.9% fee, min 5)
  • 0% on purchases for 15 months

To apply you need to be aged 18 or over, a UK resident and earning at least 10,000.

Representative Example:

Representative 16.9% APR (variable), Purchase rate 16.95% p.a. (variable), Assumed credit limit: 1,200

Your actual credit limit will depend on our credit assessment of you.

  • 0% interest for 6 months on purchases from account opening
  • After 6 months the standard annual rate for purchases will be 9.95% p.a. (variable)

This card is only available to customers with an excellent credit status. Therefore, customers are unlikely to be accepted if they have missed payments in the past, have never had credit in the UK before, or if they have had CCJ's or defaults.

To apply you need to be aged 18 or over, a UK resident and earning at least 10,000.

Representative Example:

Representative 9.9% APR (variable), Purchase rate 9.95% p.a. (variable), Assumed credit limit: 1,200

Your actual credit limit will depend on our credit assessment of you.

  • 0% on balance transfers for 13 months from account opening
    (2.9% fee, min 5)
  • 0% on purchases for 6 months from account opening
  • Earn 1 YourPoint for every 1 spent

Available to all customers with a sole income of at least 100,000 paid into your NatWest account, or minimum outstanding mortgage borrowings with us of 300,000, or savings and investments of at least 100,000 held with us.

Representative Example:

Representative 14.9% APR (variable), Purchase rate 14.94% p.a. (variable), Assumed credit limit: 1,200

Your actual credit limit will depend on our credit assessment of you.

  • 0% on balance transfers for 18 months from account opening
    (2.9% fee, min 5)
  • 0% on purchases for 6 months from account opening
  • Earn 1.25 YourPoints for every 1 spent

For Black Account holders only. Available to all customers with a sole income of at least 100,000 paid into your NatWest account, or minimum outstanding mortgage borrowings with us of 300,000, or savings and investments of at least 100,000 held with us.

Representative Example:

Representative 14.9% APR (variable), Purchase rate 14.94% p.a. (variable), Assumed credit limit: 1,200

Your actual credit limit will depend on our credit assessment of you.

Find out what a credit card does

Balance transfer credit cards

Information about balance transfer credit cards

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