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NatWest Balance Transfer

What are the current NatWest balance transfer credit card offers for UK customers?

NatWest Balance Transfer

There is now a 0% NatWest balance transfer credit card available, once again, in the UK credit card market.

Previously, NatWest had removed all of their 0% introductory transfer offers on their credit cards. The 0% NatWest balance transfers were all removed, back in early 2014. This was at the same time as parent company RBS, removed their own 0% introductory RBS balance transfer offers.

NatWest at the time made it clear, that they had no intention to offer 0% introductory deals on any of their NatWest credit cards. This applied to both new, and also existing customers of the bank.

NatWest Credit Card Balance Transfer

The current 0% NatWest balance transfer credit card now offers new customers a shorter 0% for 19 months on balance transfers. This card has a 2.9% balance transfer fee and a representative 24.9% APR variable. This NatWest 0 credit card also has an introductory offer on purchases of 0% for 19 months.

This NatWest 0 credit card however, when introduced was only available to NatWest customers. To apply for this card you needed to have have a current account, savings account, credit card, or mortgage with NatWest. The 0% introductory offers on this card were also reduced in August, and then once again in September last year.


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Balance Transfers:
0% for 19 months
Balance Transfer Fee:
2.99%
Purchases:
0% for 19 months
Representative APR:
24.9% APR (variable)
  • 0% on balance transfers for 19 months from account opening
  • 2.9% balance transfer fee
  • 0% on purchases for 19 months from account opening
  • Lock and unlock your credit card in app
  • Manage your card 24/7 online and by telephone banking
  • Annual Fee: None
  • You are a UK resident
  • You are earning at least £10,000 per year
  • You are aged 18 or over
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from NatWest, RBS or Ulster Bank credit cards

NatWest Balance Transfer Existing Customers

Existing customers who already have any NatWest balance transfer credit card are not eligible to apply for this card.

As many people know, the UK credit card providers, do not allow balance transfers to be made from one credit card to another, when both cards are issued by the same company.

For example, you cannot make NatWest balance transfers to a RBS credit card, or vice versa. However, you can make balance transfers from a NatWest credit card to many other UK credit cards, including the HSBC balance transfer cards, for example.

Many of the current leading UK 0% transfer cards currently offer longer 0% introductory offers, than the NatWest card above. A selection of popular UK cards include the following featured 0% balance transfer credit cards :-

Balance Transfers:
0% for up to 24 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
HSBC Balance Transfer*
  • 0% interest for up to 24 months on balance transfers made within first 60 days of account opening
  • 3.49% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
HSBC Balance Transfer*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 26 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
M&S Transfer Plus*
  • 0% for up to 26 months on balance transfers made within 90 days of account opening
  • 3.49% balance transfer fee, minimum £5
  • 0% on purchases for 3 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None
M&S Transfer Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 12 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 20 months
Representative APR:
24.9% APR (variable)
M&S Purchase Plus*
  • 0% for up to 12 months on balance transfers made within 90 days of account opening
  • 3.49% balance transfer fee, minimum £5
  • 0% on purchases for up to 20 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None
M&S Purchase Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 16 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 18 months
Representative APR:
24.9% APR (variable)
HSBC Purchase Plus*
  • 0% interest for up to 16 months on balance transfers made within first 60 days of account opening
  • 3.49% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for up to 18 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
HSBC Purchase Plus*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards

You can do a balance transfer in the UK online, in most cases, when you are applying for a new card. Your balance transfer should take no more than a couple of days to complete.

All current UK balance transfer credit cards are issued using the Visa, or Mastercard, payment networks. Both Mastercard and Visa credit cards are accepted at millions of locations all around the world.


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Published: March 22, 2024, Updated: March 22, 2024 by Balance Transfer Expert

All 0% balance transfer credit card offers on this website are updated daily