Our Balance Transfer credit card

The Representative Example is an easy way for you to compare the cost of any credit card

That's because every lender shows the Representative Example.

So, what about your 0% interest offer?

You won't pay interest when you buy things on this card while you have your 0% interest offer.

You also won't pay interest on the credit card debt you've moved to this card while you have your 0% balance transfer offer.

To enjoy your interest-free offers, you must stick to the terms...

For example, to get the 0% balance transfer offer on this card, you must transfer your balance (move debt) within the first 3 months.

The Annual Interest Rate (APR) is the total cost of borrowing for a year

As well as interest, the APR includes standard fees – like the annual (yearly) fee that some credit cards charge. 

The higher the interest rate, the more interest you'll pay.

Your monthly credit card statement will tell you what your balance is (what you owe). If you clear this balance – pay it all – then your credit card won't usually cost you a penny in interest.

(If you use your credit card to get money out, or for money transfers, you could pay interest from day one even while you have your 0% offer.)

What's the Representative APR?

The word 'representative' means typical. So, the Representative APR is the typical interest rate.

This means that most customers will get this interest rate. However, your interest rate could be more or less, as it depends on your circumstances. 

Okay, what's the purchase rate?

After the 0% offer, you could pay interest to buy something on this card. This is the purchase rate.

You won't pay this if you've cleared your entire balance. In fact, you could get up to 56 days' interest-free.

(If you use your card to withdraw cash, or for money transfers, you could be charged interest from day one even during your 0% offer.)

What does 'variable' mean?

Both the Annual Percentage Rate and Purchase Rate are variable. This means these rates can go up and down.

And what's the assumed credit limit of £1,200?

The credit limit is the maximum someone can borrow on their credit card.

To make it easy for you to compare credit cards, most banks use a £1,200 credit limit in their Representative Example.

The £1,200 is not your actual credit limit. It's an example credit limit.

It helps you compare like with like, so you can easily see the credit card that offers the lowest (cheapest) interest rate.

The credit limit you get may be different. It depends on your credit score.

At the start of the application, we'll let you know if you could get this card 

We'll also tell you what your credit limit would be. It's then up to you if you want to go ahead.

A credit card is a secure, flexible way to pay:

• You can borrow up to an agreed amount – the maximum amount you can borrow is called your 'credit limit'.
• Each month you'll get a bill – you must pay at least the minimum payment, even if your card charges you no interest. 
• You could get up to 56 days’ interest-free credit – if you pay back all the balance (debt) you owe on your card each month.
• Free protection when you spend £100-£30,000 on your credit card – if something you pay for (a product or service) goes wrong or isn’t as promised, you could get your money back.

Want to take cash out? Take care...

You could use your Ulster Bank card to get cash out.

But, you'll usually be charged a 3% fee. You'll also pay interest from day one, even if you have  a 0% interest offer.

Want to pay off your credit card faster?

If you pay more than the minimum amount each month, you could pay off your credit card faster.

Why not play with our calculator to see how long it could take you to pay back your credit card?

Play with our repayment calculator

A balance transfer is when you move debt from your existing credit card, or store card, to a new credit card

If your new credit card charges less interest, you could save money – and get out of debt faster. 

You could transfer a balance to one of our cards that has a 0% offer:

• You could transfer debt from up to 5 credit or store cards. Your existing card must be in your name and can't be another NatWest Group credit card. You can't move debt from a loan or overdraft. 
• You must move at least £100 onto your new card with us. You can move up to 95% of your credit limit (the maximum amount you can borrow). So, if your credit limit is £1,000, you could move £950 onto your new card.
• To get the 0% balance transfer offer, you must transfer a balance within the first 3 months of opening your account. Some of our cards charge a balance transfer fee.
• Your 0% offer starts from the date you open your credit card. After your 0% offer end, you'll pay our standard interest rate.  (We'll say what this is at the start of your application.) 
• You'll need to pay interest if you have any balance (debt) left on your card after your 0% offer ends. So, it's a good idea to use your interest-free time to pay off your debt, if you can. 

Want to enjoy interest-free on balance transfers without the fee?

Then our Balance Transfer credit card could be for you:

• Pay no interest for up to 11 months when you transfer a balance (move debt) from one, or more, store or credit cards. 
• Pay no fee to move the balance. In more good news, you won't pay an annual fee either.
• You'll also pay no interest on purchases (buying things) for the first 3 months. This could help you spread the cost of something pricy, like a washing machine.

Just so you know:

• You must move the debt within the first 3 months. If you don't, you won't get the interest-free offer.
• After the 0% offer ends, you'll pay standard rates. So, it's a good idea to use the interest-free time to pay off what you owe on your card.

So, is our Balance Transfer credit card best for you?

Compare all our credit cards

It's easy to transfer a balance from your existing credit card(s) to one of our balance transfer cards

Here are 3 options:

1. When you apply – we'll ask you if you want to transfer a balance. If you do it there and then, it's the fastest way to move your debt to interest-free.

2. On our app – you can also transfer a balance after you've got your card. Go to our app, choose the card you want to transfer to, then choose 'Balance Transfer'.

3. Over the phone – after you've got your card, just call the number on the back of it, and ask us to transfer the balance for you. 

Yes, usually. ID helps make sure we’re opening the right account for the right person.

To help you get your credit card faster, we work with Mitek.

Mitek are security experts. They'll check your ID in a safe, quick way.

Learn more about Mitek

Mitek could ask you for:

• Photo ID – like a driver’s licence (UK/EU/EEA), UK passport, or foreign passport and visa, EU and EEA National ID card.
• A short video or selfie – to compare with your photo ID.
• Proof of address – think a driver’s licence, utility bill (gas, electricity, water, home phone), bank/building society statement, council tax bill.

Prefer not to share your biometric data?

Then feel free to call up our specialist team to apply – this may take longer.

Call: 03453 073 702

Relay UK: 18001 03453 073 702

Open Monday to Friday 8am - 8pm.

Saturday 9am - 3pm.

Closed Sunday and public holidays.

It's quick and easy to apply for a credit card – and takes minutes.