Balance Transfer credit card

The card with 0% for 18 months and no fee to transfer a balance

Representative 19.9% 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

19.9%

p.a.(variable)

Representative APR

19.9%

(variable)

Credit limit

£1,200

Annual Fee

£0

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 19.9% 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.

Compare with our Longer Balance Transfer Card

I want to transfer...

	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	No fee	1.99%
Cost to you when you transfer your balance	£0	£19.90
Monthly repayment to clear balance in 0% period	£55.56 per month for 18 months	£44.34 per month for 23 months
Total cost to you	£1000	£1019.90

	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	No fee	1.99%
Cost to you when you transfer your balance	£0	£39.80
Monthly repayment to clear balance in 0% period	£111.11 per month for 18 months	£88.69 per month for 23 months
Total cost to you	£2000	£2039.80

	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	No fee	1.99%
Cost to you when you transfer your balance	£0	£79.60
Monthly repayment to clear balance in 0% period	£222.22 per month for 18 months	£177.37 per month for 23 months
Total cost to you	£4000	£4079.60

	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	No fee	1.99%
Cost to you when you transfer your balance	£0	£119.40
Monthly repayment to clear balance in 0% period	£333.33 per month for 18 months	£266.06 per month for 23 months
Total cost to you	£6000	£6119.40

	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	No fee	1.99%
Cost to you when you transfer your balance	£0	£159.20
Monthly repayment to clear balance in 0% period	£444.44 per month for 18 months	£354.75 per month for 23 months
Total cost to you	£8000	£8159.20

	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	No fee	1.99%
Cost to you when you transfer your balance	£0	£199
Monthly repayment to clear balance in 0% period	£555.56 per month for 18 months	£443.43 per month for 23 months
Total cost to you	£10000	£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.

Longer Balance Transfer Card

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

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

Still unsure?

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Balance Transfer credit card