Nationwide Balance Transfer Credit Card

There are two Nationwide balance transfer credit card offers, available in the UK credit card market.

The Nationwide balance transfer offers on these Nationwide balance transfer credit cards are only available if you are a Nationwide Member. You are a Nationwide Member, when you already have a current account, mortgage or savings account with Nationwide.

The Nationwide balance transfer credit card offer is 0% for 18 months on balance transfers, with a 1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5 and a representative 19.9% APR variable. This Nationwide balance transfer credit card also has an introductory offer on purchases of 0% for 3 months.

The other Nationwide Member credit card offer, the all round offer, is 0% for 15 months on balance transfers with a 1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5. This Nationwide credit card also has an offer on purchases of 0% for 15 months and has a representative 19.9% APR variable.

Nationwide Balance Transfer

Due to the coronavirus outbreak and subsequent reduced bank processing capacity, we are unable to provide you with a link to any Nationwide credit cards at this time. We apologise for the inconvenience.

As an alternative, the following UK credit cards are currently available:-

Card Offers

Sainsbury’s Balance Transfer

Balance Transfers:

0% for up to 29 months

Balance Transfer Fee:

3%

Purchases:

0% for 3 months

Representative APR:

21.9% APR (variable)

Card Details

Sainsbury’s Balance Transfer

• 0% interest on balance transfers for up to 29 months
• 3% or 4% balance transfer fee on transfers made at application, depending on your individual circumstances (minimum £3)
• 0% interest on purchases for your first 3 months
• Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
• Collect 1 Nectar point for every £5 spent on your card elsewhere
• Online account management
• Annual Fee: None

Application Criteria

Sainsbury’s Balance Transfer

• You have a permanent UK address
• You have not been declined for credit in the last month
• You do not have a history of bad credit
• You are aged 18 or over

Card Offers

NatWest Longer Balance Transfer

Balance Transfers:

0% for 23 months

Balance Transfer Fee:

1.99%

Purchases:

0% for 3 months

Representative APR:

19.9% APR (variable)

Card Details

NatWest Longer Balance Transfer

• 0% on balance transfers for 23 months from account opening
• 1.99% balance transfer fee
• 0% on purchases for first 3 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

Application Criteria

NatWest Longer Balance Transfer

• You are a NatWest customer
• You are a UK resident
• You are earning at least £10,000 per year
• You are aged 18 or over

Card Offers

TSB Platinum Balance Transfer

Balance Transfers:

0% for up to 28 months

Balance Transfer Fee:

2.95%

Purchases:

0% for 3 months

Representative APR:

19.9% APR (variable)

Card Details

TSB Platinum Balance Transfer

• 0% interest for up to 28 months on balances transferred within first 90 days
• 2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
• 0% interest for the first 3 months on purchases
• Internet fraud protection and Clicksafe
• Apple Pay and Android Pay
• Annual Fee: None

Application Criteria

TSB Platinum Balance Transfer

• You are an existing TSB customer
• You are not currently declared bankrupt, have CCJs or subject to IVA
• You have a good credit rating and regular income
• You are a UK resident
• You are aged 18 or over

Card Offers

Santander All in One

Balance Transfers:

0% for 26 Month

Balance Transfer Fee:

0%

Purchases:

0% for 20 months

Representative APR:

23.7% APR (variable)

Card Details

Santander All in One

• 0% interest on balance transfers for 26 month from date account opened
• 0% balance transfer fee
• 0% interest on purchases for 20 month from date account opened
• 0.5% cashback on all of your purchases
• No foreign transaction fee on purchases made abroad in local currency
• Cashback through Retailer Offers
• Monthly Fee: £3

Application Criteria

Santander All in One

• You are a permanent UK resident
• You have a good credit history with no history of bad credit
• You have an income of £7,500 per year or more
• You are at least 18 years of age

Both of the Nationwide Balance Transfer credit cards also have an unlimited commission-free offer on purchases abroad. This means that customers using a Nationwide Member credit card abroad, can save money compared to most other UK credit cards.

Many other UK credit cards will charge an additional 2.75% fee, or higher, on purchases made outwith the UK. A £1000 hotel bill in Spain for example, would result in a foreign transaction fee of at least, £27.50. This would give a total bill of £1027.50 after the credit card fee.

With either of the Nationwide balance transfer credit cards and their unlimited commission-free offer, there would be no additional fee. As a result the total bill would remain at £1000, saving the customer at least £27.50.

Apply For A Nationwide Credit Card

A Nationwide credit card application requires customers to have a current account, a mortgage or a savings account with Nationwide.

To apply online for a Nationwide credit card, customers need to be UK residents and aged over 18 years old. In order to apply for a Nationwide credit card, customers also require a minimum income of more than £5,000 per year and a good credit history.

The Nationwide balance transfer credit cards, are Visa branded cards. Both of the Nationwide credit cards can be used online and in restaurants, shops, hotels and petrol stations worldwide.

Nationwide balance transfer credit cards are among the few credit card companies that are well suited to a balance transfer from an American Express credit card.

Many other credit card companies are unable to process the AMEX 15 digit card number. However, Nationwide do accept AMEX balance transfers online.

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