NatWest Balance Transfer credit card review

2 min Read Published: 02 Sep 2021

NatWest Balance Transfer credit card review NatWest has two cards offering balance transfer deals. The NatWest Balance Transfer card, which we are reviewing here, offers a shorter interest-free period than the NatWest Longer Balance Transfer card, but doesn't charge a balance transfer fee.

Key facts about the NatWest Balance Transfer credit card

  • Best for: Those looking for zero balance transfer fee.
  • Introductory offer: Interest-free for 18 months on balance transfers and 3 months on purchases.
  • Representative APR: 21.9% variable.
  • Fees: No balance transfer fee, no annual fee.
  • Perks: No specific perks

Pros of the NatWest Balance Transfer credit card 

  • It has no transfer fee, which is a benefit if you have a large amount to move over.
  • The mobile app lets you manage the card easily and includes email and text alerts to help you keep on top of repayments and remind you when the introductory period is coming to an end.
  • 56 days interest-free period for purchases.

Cons of the NatWest Balance Transfer credit card

  • The card is only open to current NatWest customers with an existing current account, savings account or mortgage with the bank.
  • You need to have a minimum annual income of £10,000.
  • You are only likely to be accepted for the card if you have an excellent credit score.

How to manage your payments on the NatWest Balance Transfer credit card

You can manage your account through the mobile app or in NatWest branches.

How to apply for the NatWest Balance Transfer credit card

Check whether you are likely to be accepted for the card by using NatWest's eligibility checker. Following that, you can apply online or at a NatWest branch.

Alternatives to the NatWest Balance Transfer credit card