The NatWest Balance Transfer Credit Card – 2022 review

Existing NatWest customers can transfer debt from cards that aren't held with the RBS group to enjoy 22 months of 0% interest.

If you already hold a mortgage, credit card, savings or current account with NatWest, this deal lets you transfer that debt across to NatWest and benefit from a lengthy 0% interest period.

You say: ★★★★★We say: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).

22 months

0% interest on balance transfers


Balance transfer fee


Representative APR


Account fee


Annual/monthly fees£0
Balance transfers0% for 22 months reverting to 21.9%
Balance transfer fee0%
Purchases0% for 3 months reverting to 21.9%
Purchases interest-free periodUp to 56 days
Money transfers26.9%
Cash advances26.9%
Minimum credit limit£250
Maximum credit limitNot specified
Additional cards available3

Review by

Chris Lilly is a publisher at He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more.

Expert review

There are longer 0% deals than this available on the market (up to 34 months, in fact), but this one boasts a smaller transfer fee.

Remember that if you haven’t cleared your balance when the 22 months are up, your remaining debt will start to accrue interest at the card’s standard rate. Additionally, some cardholders will be given a higher standard rate than the advertised 21.9%, depending on NatWest’s assessment of their creditworthiness.

If you’re an existing customer, you probably already use the NatWest app and will be glad to know that, yes, you can track your card using the app. In fact, you can even lock and unlock it from the app, which is ideal when the card’s missing and you’re not sure if it’s down the back of the sofa or in the hands of a thief!

iPhone users will also be pleased to hear NatWest cards are all compatible with ApplePay.

Since it’s on the Mastercard network, your NatWest card will be accepted in more than 40 million locations worldwide and you’ll get access to Priceless Cities experiences.

Pros and cons


  • 22 months’ 0% interest on balance transfers with no fee.


  • Available to existing customers only.

Approval for any credit card will depend 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.

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 22 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:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply

First, you can use Finder's eligibility checker to find out if you'd be likely to get approved for The NatWest Balance Transfer Credit Card. This won't impact your credit score. If it's good news, you can then proceed to NatWest's online application, which takes 10-15 minutes to complete. You can request a balance transfer as part of your application.

Frequently asked questions

How long does it take to receive the NatWest card?

You'll know whether or not your application has been approved within 5 minutes of submission. As long as it's approved, NatWest states your shiny new card will be with you in 5-7 working days.

If I miss a repayment, will I lose my interest free offer?

No, but there are plenty of other good reasons not to miss a credit card payment, like hurting your credit score and getting hit with a penalty fee.

How much can I transfer using the NatWest Balance Transfer Credit Card?

You'll be able to transfer up to 95% of your available credit limit. Credit limits are tailored to the applicant and will be based on NatWest's assessment of your circumstances.

How do I request to change my credit limit on the NatWest credit card?

You can do this through internet banking by selecting "Cards" from the main menu. In the "Manage your personal credit card" section select "Manage your credit card limit". Add your annual income, requested credit limit and the last 5 digits of your card. Finally, select "submit". Alternatively, you can call a customer advisor 0345 788 8444.

Finder credit card ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our experts score balance transfer cards to determine their value against similar products on the market. We look at a number of important factors, like the length of the balance transfer offer, the balance transfer fee, any restrictions to making a transfer, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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  1. Default Gravatar
    February 29, 2020

    Hi, on the purchases made in the first 3 months, do I get 20 months interest-free as with balance transfers? Or do I start getting charged after 3 months?

    • Avatarfinder Customer Care
      March 1, 2020

      Hi Alan,

      Thank you for contacting Finder.

      For the purchases that you will make in the first 3 months, it will not accrue any interest as the NatWest Balance Transfer Credit Card has an introductory offer of 0% Purchase Interest Rate for 3 months. But for any balances remaining from your purchases after 3 months, it will accrue the Standard Purchase Interest Rate of 19.9% p.a. (variable). It will not be included in the 0% Balance Transfer Interest Rate offer for 20 months as it is a different transaction.

      Balance Transfer is a transaction wherein you are moving your existing debt from one card to another to save on interests.

      Please make sure to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps.


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