NatWest Longest 0% Balance Transfer Credit Card
📍 Available in: UK
★★★★★ 4.7 / 5.0
NatWest offers both a "Longest 0% Balance Transfer Card" (up to 27–28 months at 0% with a ~3.49% fee) and a "No-Fee Balance Transfer Card" (shorter 12–13 month 0% window with a £0 / 0% transfer fee). It is the ideal choice for borrowers who currently hold debt on a Barclaycard or MBNA card and need a separate banking group to transfer into.
Key Facts at a Glance
| Cost / Fee Structure | £0 Annual Fee |
| APR / Rate | 0% for up to 27 Months (Then 24.9% Rep. APR) |
| Sign-Up Bonus / Match | 3.49% Transfer Fee (or 0% Fee on 13-Mo Plan) |
| Credit / Eligibility | Good UK Credit (Min £10k/yr Income) |
Pros & Cons
✓ Pros
- ✓Long 3-month (90-day) window to execute your qualifying balance transfers after opening
- ✓Low £10,000/year minimum personal income requirement
- ✓Backed by high street giant NatWest Group with full branch and app support
✕ Cons
- ✕Cannot transfer balances from RBS (Royal Bank of Scotland) or Ulster Bank cards (same banking group)
- ✕Late payment immediately forfeits the 0% promotional rate
Key Features
Up to 27 Months 0% Interest on Balance Transfers Within 3 MonthsFastCheck Soft-Search Eligibility Tool Before ApplyingIdeal Target Card for Clearing Existing Barclaycard, Amex, or HSBC DebtManageable via the Top-Rated NatWest Mobile Banking App