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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. Their 0% offers 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 existing customers of the bank.

NatWest Credit Card Balance Transfer

The current 0% NatWest balance transfer credit card now offers new customers 0% for 23 months on balance transfers, with a 2.49% balance transfer fee and a representative 21.9% APR variable. This NatWest 0 credit card also has an introductory offer on purchases of 0% for 23 months.

The NatWest 0 credit card is however, only available to NatWest customers. To apply for this card you must have a current account, savings account, credit card, or mortgage with NatWest.


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Card Offers

Balance Transfers:
0% for 23 months
Balance Transfer Fee:
2.49%
Purchases:
0% for 23 months
Representative APR:
21.9% APR (variable)

Card Details

  • 0% on balance transfers for 23 months from account opening
  • 2.49% balance transfer fee
  • 0% on purchases for 23 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

  • You must have a current account, savings account, credit card or mortgage with NatWest
  • You are a UK resident
  • You are earning at least £10,000 per year
  • You are aged 18 or over
To apply you must have a current account, savings account, credit card or mortgage with NatWest
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from NatWest, RBS or Ulster Bank credit cards

NatWest Balance Transfer Existing Customers

Customers who do not have a current account, savings account, credit card or mortgage with NatWest are not eligible to apply for the above NatWest credit card. Existing customers with a NatWest balance transfer credit card are also not eligible 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 transfer from a NatWest credit card 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 leading UK 0% transfer cards currently offer longer 0% introductory offers, than the NatWest card above. Other cards offer or lower balance transfer fees. A selection of popular UK cards include all of the following featured 0% balance transfer credit cards :-

Card Offers

Balance Transfers:
0% for 32 months
Balance Transfer Fee:
1.99%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Transfer Plus*
  • 0% for 32 months on balance transfers made within 90 days of account opening
  • 1.99% 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

Application Criteria

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: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 28 months
Balance Transfer Fee:
1%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

HSBC Balance Transfer Low Fee*
  • 0% interest for 28 months on balance transfers made within first 60 days of account opening
  • 1% 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
  • Contactless payments to quickly and securely pay for purchases under £100
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer Low Fee*
  • 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 have not held a credit card with HSBC Bank in the last 6 months
Low Balance Transfer Fee
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 24 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 24 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Shopping Plus*
  • 0% for 24 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 24 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

Application Criteria

M&S Shopping 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: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 20 months
Balance Transfer Fee:
0%
Purchases:
N/A
Representative APR:
21.9% APR (variable)

Card Details

HSBC Balance Transfer No Fee*
  • 0% interest for 20 months on balance transfers made within first 60 days of account opening
  • No balance transfer fee applies
  • No purchases offer with this card
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Contactless payments to quickly and securely pay for purchases under £100
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer No Fee*
  • 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 have not held a credit card with HSBC Bank in the last 6 months
No Balance Transfer Fee
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

You can do a balance transfer in the UK online in most cases when you are applying for a new card. The 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: June 16, 2022, Updated: June 16, 2022 by Balance Transfer Expert

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