The NatWest Longer Balance Transfer card is a credit card issued by NatWest Bank, designed for UK residents looking to better manage their existing debts. With one of the longest 0% balance transfer periods available on the market, this card aims to help users consolidate credit card balances and avoid interest for a significant amount of time.
In this article, you’ll find a complete overview of the NatWest Longer Balance Transfer card, including its main features, advantages, drawbacks, and a step-by-step guide on how to apply.
Key features of the NatWest Longer Balance Transfer card
This is a basic Visa credit card that stands out for its 0% interest on balance transfers for up to 32 months—one of the most generous offers available. It comes with no annual fee, making it an accessible option for a wide range of users. However, balance transfers are subject to a 3.49% transfer fee, and the 0% promotional rate only applies to balances transferred within the first three months of account opening.
Eligibility requirements
To be eligible, applicants must be UK residents, at least 18 years old, and earn a minimum of £10,000 per year. During the application process, NatWest will provide a pre-approval check that includes an indicative credit limit and likelihood of acceptance—without affecting your credit score. Only if the applicant decides to proceed will a full credit check be conducted, which may affect their credit file.
Benefits of the NatWest Longer Balance Transfer card
The standout benefit of this card is the extended 0% interest period of up to 32 months, giving cardholders more time to pay off transferred balances without accumulating additional interest. This makes it particularly useful for those carrying high balances on other credit cards. In addition, having all debts consolidated onto one card can simplify financial management and make it easier to track repayment progress.
Exclusive highlight
Unlike some credit cards that cancel promotional offers after a missed payment, the NatWest Longer Balance Transfer card does not revoke your 0% rate if you miss a monthly payment. However, you may still incur a late payment fee, and it’s important to stay up to date to avoid additional charges and preserve your credit rating.
Disadvantages and considerations of the NatWest Longer Balance Transfer card
While the long 0% period is attractive, the 3.49% balance transfer fee can be a significant upfront cost, especially for large balances. Users should calculate whether the interest saved outweighs the cost of the transfer fee. Another consideration is the lack of rewards programs such as cashback, loyalty points, or travel perks. This card is primarily a debt management tool rather than a rewards-focused product.
How to apply for the card
Applying for the NatWest Longer Balance Transfer card is straightforward. The process begins with an online eligibility check, where you’ll answer a few basic questions. NatWest will let you know if you’re likely to be approved and what your estimated credit limit might be—all without affecting your credit score.
If you choose to proceed, you’ll complete a full application that includes a comprehensive credit check. If approved, your account will be opened, and you can start transferring balances immediately (within the first three months to qualify for the 0% offer).
Who is the NatWest Longer Balance Transfer card ideal for?
This card is well-suited for individuals who have significant existing credit card debt and need time to pay it off without the pressure of high interest rates. It’s especially beneficial if you’re confident you can repay your debt within the promotional period and want to simplify your monthly payments. Compared to other NatWest options like the “Purchase & Balance Transfer” card (which offers a shorter 0% period), the Longer Balance Transfer card is better for those prioritizing debt repayment over making new purchases.
