NatWest Longer Balance Transfer credit card review

2 min Read Published: 18 Apr 2024

NatWest Longer Balance Transfer credit cardThe NatWest Longer Balance Transfer card is one of two NatWest balance transfer cards, the other being the NatWest Balance Transfer card. This version offers a longer interest-free period on balance transfers, but attracts a higher transfer fee.

Key facts about the NatWest Longer Balance Transfer credit card

  • Best for: Those looking for a longer interest-free period to help pay off an existing debt.
  • Introductory offer: Interest-free for 23 months on balance transfers and 3 months on purchases.
  • Representative APR: 24.90% variable.
  • Fees: No annual fee, 3.49% balance transfer fee.
  • Perks: As it is part of the Mastercard network, cardholders can access the offers in the Precious Cities scheme.

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Pros of the NatWest Longer Balance Transfer credit card

  • It has a competitive introductory period on balance transfers while also offering 3 months interest-free on purchases.
  • The NatWest mobile banking app allows users to access their credit score for free.
  • No maximum credit limit, subject to status.

Cons of the NatWest Longer Balance Transfer credit card

  • The balance transfer fee is 3.49%. If you have a large amount to transfer, it may be better to opt for the NatWest Balance Transfer card, which does not charge a fee.
  • It requires a minimum annual income of £10,000 and 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 Longer Balance Transfer credit card

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

How to find out which credit card is best for you

Money to the Masses uses Creditec*, an online comparison service that enables you to find credit card deals tailored to you without affecting your credit score. You will want to compare as many different options as possible before you get a new credit card, so it is a good idea to do a fast online comparison. With only a few basic details, the Creditec tool will build a personalised list of credit cards suited to your needs to help you navigate the huge number of options out there. You can then pick the result that suits you best. None of this will affect your credit score as the eligibility process uses a soft credit check. Click here to start your comparison*.

How to apply for the NatWest Longer 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 Longer Balance Transfer credit card



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