NatWest Longer Balance Transfer card review – 33 months 0% interest, 2.9% fee and who should apply

Quick overview of the NatWest Longer Balance Transfer card

The NatWest Longer Balance Transfer card gives UK borrowers a long runway to tackle existing card debt: 33 months at 0% interest on balance transfers, plus a shorter 0% period on purchases. There’s no annual fee, but a 2.9% balance transfer fee applies, so you need to weigh the maths before moving a big balance.

Representative APR is 22.9% variable for purchases after the introductory period, and eligibility typically asks for a minimum income (around £10,000) and a decent credit history. The card also comes with Mastercard benefits such as Precious Cities and access to the NatWest mobile app for day-to-day management.

Costs, perks and practical considerations

That 2.9% fee is the headline trade-off for 33 months at 0% — for example, a £5,000 transfer costs £145 up front but you avoid interest for nearly three years, which can still be a substantial saving if your current rate is high. Always check the transfer window: you usually need to complete transfers within a set time after account opening.

Perks include the NatWest app to monitor balances, statements and payments, plus branch support if you prefer face-to-face service. Remember the card converts to the standard variable rate after the offer ends, so set up a repayment plan to clear the balance within the 33 months and avoid that 22.9% APR.

How to make the most of 33 months 0% interest

Start by calculating monthly repayments that clear the balance within 33 months including the 2.9% fee. Break the total into a clear monthly target and set up a direct debit — that removes the temptation to make minimum payments and slip back into interest charges.

Use the NatWest Longer Balance Transfer card only for consolidating existing high-interest debt, not for new spending. New purchases may have a shorter 0% period and could attract interest if you carry a transfer balance; keeping separate cards for new purchases sometimes makes sense.

Who should apply and sensible alternatives in the UK

The NatWest Longer Balance Transfer is best for UK residents with a stable income and a credit profile good enough to qualify, who want to consolidate and clear debt within 33 months. It’s especially useful if your current rates are well above the post-introductory APR, making the fee worthwhile.

If you don’t qualify or the 2.9% fee wipes out the benefit, consider a low-rate personal loan, other balance transfer deals with a lower fee, or speak to a debt adviser. Always use a comparison tool to check live offers and run eligibility checks that don’t hurt your credit score before applying.