Balance Transfer credit card


Balance Transfer credit card

The card with no fee to transfer a balance

Representative 21.9% APR (variable)

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

Why this credit card?


0% for 18 months on balance transfers

Balances must be transfered within 3 months of account opening

Your 18 month 0% offer starts from account opening, after which standard rates apply

No fee to transfer a balance to this credit card. No annual fee


0% interest for the first 3 months on purchases

This offer is available on purchases made and paid off in full in the first 3 months of opening your account

After the first 3 months, standard rates will apply

What you should know about balance transfers

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.

Representative example                                                                                                       

Purchase rate



Representative APR



Credit limit


Annual Fee


Your actual credit limit and APR may vary depending on our credit assessment of you.

You may receive higher than our standard purchase and balance transfer rate of 21.9% p.a. (variable) upon application - up to 29.9% p.a. (variable). Interest on fees and charges is payable in line with our terms and conditions. See the Summary Box document (PDF, 48KB) for more details.

Peace of mind with our 0% offer

If you miss a monthly repayment we won't remove your interest free offer, but you could still be charged  late payment fee.

What you should know

Please remember once your offer period ends, our credit cards offer the standard interest free period up to 56 days, as long as balances are paid in full.


If you carry any balance forward from a previous month (including 0% balance transfers), after your 0% purchase offer has ended, then interest will be charged on purchases from the date they are debited to your account.

Making a payment to your credit card

To make it really convenient, there are a number of ways you can pay every month.

Making a payment 

There are several ways you can pay your credit card. The most common is setting up a Direct Debit. Once you’ve set it up, the payment will be taken automatically each month. You can choose to pay the minimum amount, a fixed amount or your full credit balance every month.

You can also make a payment in the mobile app or Anytime Internet Banking.

What you should know 

If you set up a Direct Debit for the minimum, fixed or full amount, the payment is claimed 25 calendar days from the statement date, or shortly afterwards.

Other potential charges or fees 

Some other important information you should be aware of.

Late paying


If you’re late paying, we’ll charge you a fee of £12. That’s why setting up a Direct Debit makes sense – you’ll never be late paying again. We get that little mistakes are easy to make, so if you miss your payment due date by just one day, we won't charge you the late payment fee.

Over your limit


If you go over your limit we’ll charge you a fee of £12. If you only go over your limit by £12 or less, we won’t charge you. A good way to avoid going over your limit is to log onto Anytime Internet Banking or fire up our mobile app and check your balance before you make your next card purchase.

For full details of fees, please see the Summary Box in the Ready to apply section below. 

Ready to apply?


The application should take around 15 minutes.

Apply now
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