Move your debt to a NatWest balance transfer credit card with zero fee and 22 months interest-free

Why choose the NatWest balance transfer credit card

The NatWest balance transfer credit card is a strong option in the balance transfer credit card UK market thanks to a genuine zero fee on balance transfers and an interest-free period of 22 months. For anyone juggling existing card debt, that zero fee and long 22-month window can save you hundreds compared with cards that charge a transfer fee.

There’s no annual fee and NatWest also gives 56 days interest-free on new purchases when you pay the balance in full each month. With a representative APR around 21.9% variable after the intro period, this card is best for people who plan to clear transferred balances within the promotional term.

Manage repayments with the NatWest mobile app

The NatWest mobile app puts balance transfer management in your pocket: set up direct debits, track spending, freeze your card and receive alerts before the 22-month interest-free period ends. Using the NatWest mobile app means you won’t miss repayments and can move funds between accounts quickly if needed.

Notifications and in-app statements make it straightforward to monitor progress towards paying off the balance transfer. That convenience is key to maximising the zero fee offer and avoiding the higher standard rate once the intro offer expires.

Eligibility, fees and what to watch for

NatWest requires a minimum annual income of around £10,000 and typically prefers good-to-excellent credit scores, so check your chances with NatWest’s soft-search eligibility checker before applying. A soft search won’t affect your credit file and helps you avoid unnecessary rejections.

While the balance transfer fee is zero, remember the normal purchase APR and the representative rate of 21.9% variable after 22 months. Prioritise paying off the transferred balance within the 22 months to fully benefit from the zero fee and interest-free period.

How to apply and compare alternatives

To apply, use NatWest’s online application or visit a NatWest branch—start with the eligibility checker and gather ID and proof of income. If approved, transfer your balances promptly and set up a direct debit or reminder in the NatWest mobile app to clear repayments on time.

It’s sensible to compare with other balance transfer credit card UK offers from Tesco, HSBC and Capital One; some may offer longer interest-free periods but could charge a transfer fee. Use comparison sites to weigh total cost, transfer terms and post-intro APRs, then pick the NatWest balance transfer credit card if the zero fee and 22 months match your plan.