The NatWest Balance Transfer Credit Card – 2024 review

The NatWest Balance Transfer Credit Card is issued on the Mastercard network, so it's accepted at more than 50 million merchant locations across more than 210 countries and territories.

How does it compare?

NatWest's card

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Product UKCCF	Finder Score	Balance transfers	Purchases	Annual/monthly fees	Representative APR	Incentive	Link
NatWest Balance Transfer Credit Card	Finder score 6.5Standard	0% for 12 months (0% fee)	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Read review Compare	loading Fetching your data...

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Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

Other popular balance transfer deals

Table: sorted by length of 0% balance transfer offer, promoted deals first

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Updated daily

Product UKCCF	Finder Score	Balance transfers	Purchases	Annual/monthly fees	Representative APR	Incentive	Link
HSBC Balance Transfer Credit Card	Finder score 7.2Great	0% for 30 months (3.49% fee, min £5 fee)	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.	Check eligibility Read review Compare	loading Fetching your data...
Santander Everyday Long Term Balance Transfer Credit Card	Finder score 9Excellent	0% for 28 months (3.9% fee)	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard	Finder score 8.6Great	0% for 27 months (3.49%, min £5 fee)	0% for 3 months reverting to 24.9%	£0	24.9% APR (variable)	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card. Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...
first direct Credit Card	Finder score 7.7Great	0% for 20 months (2.99% fee)	24.9%	£0	24.9% APR (variable)	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	Check eligibility Read review Compare	loading Fetching your data...

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Finder Score for credit cards

To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.

Read the full methodology

Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.

Repayment options

You can make manual repayments through NatWest's app by logging in to your online banking or over the phone (0345 788 8444). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and losing your promotional interest rate as a result (as well as damaging your credit score and incurring the late payment fee of £12). You could use a fixed-amount direct debit to ensure you've cleared your debt before the 0% period expires – simply divide your outstanding balance by 12 to see what you'll need to pay each month (this assumes you don't use the card for additional spending).

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

How to apply

If you've compared cards and settled on the NatWest Balance Transfer Credit Card, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you'll need to make the process as straightforward as possible. You can request a balance transfer as part of your application.

Frequently asked questions