RBS Longer Balance Transfer Credit Card, 19 Months 0% Interest and No Annual Fee, Ideal for RBS Customers
Turn 19 months of 0% interest into a clear debt plan with RBS balance transfers and no annual fee
Clear, practical features that save you money
The RBS Longer Balance Transfer Credit Card offers 0% interest on balance transfers for 19 months, a rare length for UK cards. For existing RBS customers this card also provides 0% on purchases for 19 months and no annual fee, making it a cost-effective way to tackle debt and manage spending.
Key numbers matter: balance transfer fee is 2.99%, representative APR 24.9% after the offer ends, and foreign usage charges apply. Knowing these figures up front helps you plan repayments and avoid surprise costs once the 0% period finishes.
Who it suits and how to qualify
This product is aimed primarily at existing RBS customers wanting to move debt from non-NatWest Group cards into a single plan. To apply you need to be 18 or over and meet a minimum income threshold, typically around £10,000 a year.
If you already bank with RBS, the application is straightforward via internet banking. The card can be ideal if you want a clear debt-repayment window and prefer to keep your financial products with one familiar provider.
Practical tips to get the most from 0% interest
Create a realistic repayment schedule that clears transferred balances within the 19-month 0% interest term. Set up a direct debit for at least the monthly minimum (usually 1% or £5) and aim to pay more where possible to avoid interest once the promotional period ends.
Use the 0% purchase period sensibly: larger essential buys can benefit, but avoid adding new balances that stretch beyond your repayment plan. Keep utilisation low to protect your credit score and increase chances of future better offers.
Costs, alternatives and final call to action
While the RBS Longer Balance Transfer Credit Card has no annual fee, consider the 2.99% transfer fee and charges for cash advances or foreign spending. Late payment fees and post-intro APR should factor into your decision when comparing other UK balance transfer cards.
If the minimum income or fees rule you out, compare similar deals from major UK issuers that may offer lower transfer fees or longer interest-free periods. If you are an RBS customer ready to consolidate debt, apply through your online banking today and start a planned repayment that takes advantage of 19 months 0% interest.