Balance Transfer credit cards - Credit Cards | Ulster Bank

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The Ulster Bank Credit Card

Balance transfer credit cards


Compare our 0% balance transfer credit card range

Back to our full credit card range

Available to customers who have a current account, savings account, credit card or mortgage with Ulster Bank, and are UK residents, 18+ and earning at least £10K per year

Balance transfer credit cards

If you're paying interest on other credit cards or store cards, you could save money by transferring your balance to one of our balance transfer credit cards.

Balance Transfer credit card

Good for - transferring a balance with a low fee

  • 0% for 18 months from account opening on balance transfers made within the first 3 months, after which standard rates apply

  • 0.49% balance transfer fee applies

  • 0% on purchases for 3 months from account opening, after which standard rates apply


Representative example

Purchase rate: 19.9% p.a (variable)
Representative APR: 19.9% (variable)
Assumed credit limit: £1200
Annual fee: £0

Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.

Find out more & apply

Longer Balance Transfer Card

Good for - more time to pay your balance off

  • 0% for 23 months from account opening on balance transfers made within the first 3 months, after which standard rates apply

  • 1.99% balance transfer fee applies

  • 0% on purchases for 3 months from account opening, after which standard rates apply


Representative example

Purchase rate: 19.9% p.a (variable)
Representative APR: 19.9% (variable)
Assumed credit limit: £1200
Annual fee: £0

Your actual credit limit and APR may vary depending on our credit assessment of you. Interest on fees and charges is payable in line with our terms and conditions.

Find out more & apply

What you should know about balance transfers

To enjoy our 0% offer on balance transfers, you need to make your transfers within the first 3 months.

Balance transfers are limited to 95% of your available credit limit. Minimum balance transfer amount is £100.

You can transfer your balance from most credit cards and store cards, except other NatWest Group cards.

Calculate your repayments

We've compared the key features of our two balance transfer credit cards in the tables below, so we can help you make sure you're choosing the right card to suit your finances.

You can select one of the pre-set amounts below, or take a look at how you can compare based on your specific balance transfer amount.
 

I want to transfer...

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Icon expand £500

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 18 months from account opening 23 months from account opening
Balance transfer fee 0.49% 1.99%
Cost to you when you transfer your balance £2.45 £9.95
Monthly repayment to clear balance in 0% period £27.91 per month for 18 months £22.17 per month for 23 months
Total cost to you £502.45 £509.95
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Icon expand £1000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 18 months from account opening 23 months from account opening
Balance transfer fee 0.49% 1.99%
Cost to you when you transfer your balance £4.90 £19.90
Monthly repayment to clear balance in 0% period £55.83 per month for 18 months £44.34 per month for 23 months
Total cost to you £1004.90 £1019.90
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Icon expand £1500

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 18 months from account opening 23 months from account opening
Balance transfer fee 0.49% 1.99%
Cost to you when you transfer your balance £7.35 £29.85
Monthly repayment to clear balance in 0% period £83.74 per month for 18 months £66.52 per month for 23 months
Total cost to you £1507.35 £1529.85
Accordion

Icon expand £2000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 18 months from account opening 23 months from account opening
Balance transfer fee 0.49% 1.99%
Cost to you when you transfer your balance £9.80 £39.80
Monthly repayment to clear balance in 0% period £111.66 per month for 18 months £88.69 per month for 23 months
Total cost to you £2009.80 £2039.80
Accordion

Icon expand £2500

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 18 months from account opening 23 months from account opening
Balance transfer fee 0.49% 1.99%
Cost to you when you transfer your balance £12.25 £49.75
Monthly repayment to clear balance in 0% period £139.57 per month for 18 months £110.86 per month for 23 months
Total cost to you £2512.25 £2549.75
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Icon expand £3000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 18 months from account opening 23 months from account opening
Balance transfer fee 0.49% 1.99%
Cost to you when you transfer your balance £14.70 £59.70
Monthly repayment to clear balance in 0% period £167.48 per month for 18 months £133.03 per month for 23 months
Total cost to you £3014.70 £3059.70
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Icon expand £3500

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 18 months from account opening 23 months from account opening
Balance transfer fee 0.49% 1.99%
Cost to you when you transfer your balance £17.15 £69.65
Monthly repayment to clear balance in 0% period £195.40 per month for 18 months £155.20 per month for 23 months
Total cost to you £3517.15 £3569.65
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Icon expand £4000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 18 months from account opening 23 months from account opening
Balance transfer fee 0.49% 1.99%
Cost to you when you transfer your balance £19.60 £79.60
Monthly repayment to clear balance in 0% period £223.31 per month for 18 months £177.37 per month for 23 months
Total cost to you £4019.60 £4079.60
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Icon expand £4500

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 18 months from account opening 23 months from account opening
Balance transfer fee 0.49% 1.99%
Cost to you when you transfer your balance £22.05 £89.55
Monthly repayment to clear balance in 0% period £251.23 per month for 18 months £199.55 per month for 23 months
Total cost to you £4522.05 £4589.55
Accordion

Icon expand £5000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 18 months from account opening 23 months from account opening
Balance transfer fee 0.49% 1.99%
Cost to you when you transfer your balance £24.50 £99.50
Monthly repayment to clear balance in 0% period £279.14 per month for 18 months £221.72 per month for 23 months
Total cost to you £5024.50 £5099.50
Accordion

Icon expand £6000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 18 months from account opening 23 months from account opening
Balance transfer fee 0.49% 1.99%
Cost to you when you transfer your balance £29.40 £119.40
Monthly repayment to clear balance in 0% period £334.97 per month for 18 months £266.06 per month for 23 months
Total cost to you £6029.40 £6119.40
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Icon expand £7000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 18 months from account opening 23 months from account opening
Balance transfer fee 0.49% 1.99%
Cost to you when you transfer your balance £34.40 £139.30
Monthly repayment to clear balance in 0% period £390.79 per month for 18 months £310.40 per month for 23 months
Total cost to you £7034.30 £7139.30
Accordion

Icon expand £8000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 18 months from account opening 23 months from account opening
Balance transfer fee 0.49% 1.99%
Cost to you when you transfer your balance £39.20 £159.20
Monthly repayment to clear balance in 0% period £446.62 per month for 18 months £354.75 per month for 23 months
Total cost to you £8039.20 £8159.20
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Icon expand £9000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 18 months from account opening 23 months from account opening
Balance transfer fee 0.49% 1.99%
Cost to you when you transfer your balance £44.10 £179.10
Monthly repayment to clear balance in 0% period £502.45 per month for 18 months £399.09 per month for 23 months
Total cost to you £9044.10 £9179.10
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Icon expand £10,000

  Balance Transfer card Longer Balance Transfer card
Representative APR 19.9% p.a (variable) 19.9% p.a (variable)
0% purchase period First 3 months First 3 months
0% interest period 18 months from account opening 23 months from account opening
Balance transfer fee 0.49% 1.99%
Cost to you when you transfer your balance £49 £199
Monthly repayment to clear balance in 0% period £558.28 per month for 18 months £443.43 per month for 23 months
Total cost to you £10049 £10199

A simple example to help you calculate

In this example, we’ll show you how much you would need to repay if you transferred £4,400 to our Longer Balance Transfer Card.

 

Check the fee

First, you’ll need to make a note of the fee to transfer a balance (if there is one). In this example, there is a 1.99% fee.

 

Calculate

Next, divide £4,400 by 100, then times by 1.99. In this example, the fee will be £87.56. So, the total amount you’ll owe including the fee is £4,487.56.

 

Repay

Lastly, divide £4,487.56 by 23 (the offer period). This means you’ll need to repay £195.11 per month to pay off the card before the 0% offer period ends.

The calculations above are for illustrative purposes only and based on balance transfers being made at account opening and being paid off in full by the end of the 0% period. Examples could change depending on when you transfer your balance, how you manage your credit card, your repayments and your account activity. When your 0% offers end, you'll pay your purchase rate on any new purchases or remaining balances.

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Frequently asked questions

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