NatWest balance transfer credit card with zero transfer fee, 22 months interest-free and easy app management

Why this NatWest balance transfer credit card makes sense

The NatWest balance transfer credit card is a straightforward way to cut the cost of existing card debt. With a zero balance transfer fee and a 22-month interest-free period on transfers, it helps you reduce interest and pay down the balance faster.

For many people across the UK, switching to a balance transfer credit card UK offer like this one can save hundreds in interest. The card also has no annual fee, making it a practical choice for organised budgeting.

What to expect from fees and rates

This NatWest balance transfer credit card offers a representative APR of 21.9% variable after the introductory period. During the 22 months interest-free on balance transfers, you pay no interest on the transferred amount and no transfer fee, which is increasingly rare.

There is a short 3-month interest-free period on purchases and 56 days interest-free on new spending if you clear the balance each month. Beyond that, standard purchase APR applies, so plan repayments to finish within the promotional window.

Managing your account with the NatWest mobile app

The NatWest mobile app is a major plus for this balance transfer credit card. You can set up direct debits, track payments, freeze the card if you misplace it and get real-time alerts to help avoid late payments.

App management makes sticking to a repayment plan much easier, especially if you use budgeting features and notifications. Many UK customers find the app keeps them on track and helps them make the most of the zero balance transfer fee period.

Eligibility, alternatives and final tips

NatWest credit score requirements favour applicants with good to excellent credit and a minimum income of around £10,000 a year. Use NatWest’s online eligibility checker for a soft search so your credit file stays unaffected before applying.

If you do not meet the criteria, compare other top balance transfer credit cards UK options which might offer longer promotions or different income thresholds. Always calculate how much you need to repay each month to clear the balance before the interest-free term ends.