Unfortunately this deal is no longer valid
Natwest Credit card: 0% for 23 months on balance transfers with No transfer fee (existing Natwest customers)
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Natwest Credit card: 0% for 23 months on balance transfers with No transfer fee (existing Natwest customers)

61
Posted 20th May
Both Natwest and RBS Credit card

Natwest Credit card: 0% for 23 months on balance transfers and no transfer fee


0% for 23 months on balance transfers made in the first 3 months

At the end of the 23 months, standard rates will apply

Each transfer must be at least £100


No fees to transfer a balance to this credit card

We won't charge you a fee for transferring 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 in the first 3 months of opening your account

After the first 3 months, standard rates will apply

if you miss a monthly repayment we won't remove your interest free offer. Please note you could still be charged a late payment fee. We'll also keep you up to date with regular emails, alerts and reminders about your balance transfer card and repayments.

To apply, you must hold a current account, savings account, credit card or mortgage with NatWest\RBS , be a UK resident, aged 18+ and earning at least £10K per year
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Only available to current Natwest customers.
@M172008 can’t thank you enough for this. I’ve been repairing my credit for years and this is the first high street bank credit card I’ve been approved for, and I can take my last balances from 34.9% cards to this 0% card. Will make such a huge difference, so thank you for sharing this!!!
Edited by: "Currey20" 23rd May
61 Comments
Only available to current Natwest customers.
the__cat20/05/2019 07:41

Only available to current Natwest customers.


Thanks. Updated
Hmmm... I wonder if they'd let me transfer my NatWest overdraft (@30% APR) to this card?
BigAde20/05/2019 08:41

Hmmm... I wonder if they'd let me transfer my NatWest overdraft (@30% APR) …Hmmm... I wonder if they'd let me transfer my NatWest overdraft (@30% APR) to this card?


No, you’d need a money transfer card
Good post OP, thanks. This is rare from NatWest, they removed 0% deals under the guise of being fair to consumers by not offering a rate that would then increase which was simply BS (I used to work for them). But zero fee also, well that’s a game changer!
stevemack20/05/2019 08:44

No, you’d need a money transfer card



Ah right, thanks, thought it would be too good to be true.
Edited by: "BigAde" 20th May
Any other good deals for none netwest customers?
Bookmark
Great deal in addition to £125 they offered for switching
humadoon20/05/2019 08:47

Any other good deals for none netwest customers?


I believe Santander has the same offer
the__cat20/05/2019 07:41

Only available to current Natwest customers.


Typical. I’ve just closed my account with them.
Can RBS customers get this too?
Any pointers on the credit limits given? Coming from Virgin who's balance was quite generous.
Banked with them for over 15 years now and never really had an issue. Thanks OP - I have interest free in my Virgin card but that ends in less than 12 months so may as well go for this! 😬
BigAde20/05/2019 08:41

Hmmm... I wonder if they'd let me transfer my NatWest overdraft (@30% APR) …Hmmm... I wonder if they'd let me transfer my NatWest overdraft (@30% APR) to this card?


Don’t overdrafts just get automatically cleared off when your salary is paid into your bank acc ?
Edited by: "unhappybunny" 20th May
BigAde20/05/2019 08:41

Hmmm... I wonder if they'd let me transfer my NatWest overdraft (@30% APR) …Hmmm... I wonder if they'd let me transfer my NatWest overdraft (@30% APR) to this card?


Are you considered alternative money cards, that a pretty high % you got there. Try the MSE elegibility calculator to try to beat these Natwest con artists.
Yeah, might have to do that. Not sure any of them would match the overdraft facility though... I have quite a high limit at Natwest. Hadn't really put too much thought into it so far if I'm honest. I need a kick up the backside.
unhappybunny20/05/2019 11:33

Don’t overdrafts just get automatically cleared off when your salary is p …Don’t overdrafts just get automatically cleared off when your salary is paid into your bank acc ?


Not, if I suspect the overdraft is 1.5k and his/her pay is 1.3k if for example.
BigAde20/05/2019 08:41

Hmmm... I wonder if they'd let me transfer my NatWest overdraft (@30% APR) …Hmmm... I wonder if they'd let me transfer my NatWest overdraft (@30% APR) to this card?


Virgin are offering 28 months 0% on balance transfer and 20 months on money transfer all on one card. Small fee for each but well worth it
humadoon20/05/2019 08:47

Any other good deals for none netwest customers?


Halifax 20 months 0% and 0% fee. And Sainsburys (said 20months but I got 14months) 0% 0%fee.
jinkssick20/05/2019 14:24

Not, if I suspect the overdraft is 1.5k and his/her pay is 1.3k if for …Not, if I suspect the overdraft is 1.5k and his/her pay is 1.3k if for example.

Hit the nail on the head there my friend
trevor920/05/2019 14:31

Virgin are offering 28 months 0% on balance transfer and 20 months on …Virgin are offering 28 months 0% on balance transfer and 20 months on money transfer all on one card. Small fee for each but well worth it


Yeh you are more than right, a 4% fee completely defecates on 30% APR.
Well I switched to these last year just for the cash back, I move the required amount every month in and out. Just applied and sadly I was refused this card, didn’t even consider me for a second...just decline and get out!! Won’t be any qualms switching from them later this year
jinkssick20/05/2019 14:24

Not, if I suspect the overdraft is 1.5k and his/her pay is 1.3k if for …Not, if I suspect the overdraft is 1.5k and his/her pay is 1.3k if for example.


Wow didn't know you could get over draughts that big. Mines only £200 I think. I try to avoid going into it at all costs, they aint getting a penny off of me in interest LoL!
Edited by: "unhappybunny" 20th May
unhappybunny20/05/2019 16:34

Wow didn't know you could get over draughts that big. Mines only £200 I …Wow didn't know you could get over draughts that big. Mines only £200 I think. I try to avoid going into it at all costs, they aint getting a penny off of me in interest LoL!


Thats good thinking, I have a £50 specifically for the very reason that I dont dip into it but I dont judge those who need it on a regular basis. Debt is a spiralling problem, snowballs out of control. Thats not that much, most I have ever heard in overdraft terms is like 4.5k. If they know you can afford they will bend backwards for you hoping you default and/or start incurring interest.
BigAde20/05/2019 08:41

Hmmm... I wonder if they'd let me transfer my NatWest overdraft (@30% APR) …Hmmm... I wonder if they'd let me transfer my NatWest overdraft (@30% APR) to this card?


I would just move my everyday spending to another CC (so not using cash). At the end of the month balance transfer the CC balance over to NatWest.
Hmmm... I wonder if they'd let me transfer my NatWest overdraft (@30% APR) to this card?


Get the card put all your regular spending on the card. This will reduce your overdraft when it's gone start paying off the card. You have got to regimental with this method though.
jakka20/05/2019 18:37

Hmmm... I wonder if they'd let me transfer my NatWest overdraft (@30% APR) …Hmmm... I wonder if they'd let me transfer my NatWest overdraft (@30% APR) to this card?Get the card put all your regular spending on the card. This will reduce your overdraft when it's gone start paying off the card. You have got to regimental with this method though.


Absolutely my thoughts as well, but just not on this particular card.

The 23m at 0% is for balance transfers only, the 0% period on this card for purchases is only 3 months.

But there are plenty of 0% purchase cards out there with 2/3 year periods, but also depends on your credit score.

Have a look on somewhere like money supermarket to compare cards & take out a free Experian account to check your credit score for an understanding of if you would be accepted.

Getting declined for a credit card is a sure bet way to immediately decrease your credit score further compounding the issue.
Edited by: "Gisbo" 20th May
You forgot to add "Must have credit score of 900+" at the end.
unhappybunny20/05/2019 16:34

Wow didn't know you could get over draughts that big. Mines only £200 I …Wow didn't know you could get over draughts that big. Mines only £200 I think. I try to avoid going into it at all costs, they aint getting a penny off of me in interest LoL!



jinkssick20/05/2019 17:05

Thats good thinking, I have a £50 specifically for the very reason that I …Thats good thinking, I have a £50 specifically for the very reason that I dont dip into it but I dont judge those who need it on a regular basis. Debt is a spiralling problem, snowballs out of control. Thats not that much, most I have ever heard in overdraft terms is like 4.5k. If they know you can afford they will bend backwards for you hoping you default and/or start incurring interest.


At one point my OD was £15k. This despite the fact that I never used it once and I was still in training. Now that I actually earn more money than when I was a trainee, Natwest have dropped my OD to £1k. Rationale being that I didn't use the £15k OD. While that seems sensible, I cannot fathom why they thought anyone would use a 15k OD on a personal account. Crazy banking algorithms I suppose.
twinkle20/05/2019 16:10

Well I switched to these last year just for the cash back, I move the …Well I switched to these last year just for the cash back, I move the required amount every month in and out. Just applied and sadly I was refused this card, didn’t even consider me for a second...just decline and get out!! Won’t be any qualms switching from them later this year


Opening too many bank accounts to get the introductory offers has often been a reason for rejection and has an impact on your credit score. It is quite well documented. Saying that, credit scoring is so random that sometimes it makes no sense.

I have tried pretty much every bank available and Natwest has been the easiest to use and most customer friendly. Their app is user friendly too. I am very happy with them. First direct and Santander were awful in comparison.
Likely to move house and get a new mortgage within next 12 months. Would getting this and keeping 7k ish credit outstanding hurt my credit score/chances of securing the best mortgages?

If so I’ll ignore and pay off the existing balance when the 0% expires on my current card. But if not an issue, this frees up a chunk of money for new purchase.
I'd have been all over this but already got a credit card with them
Edited by: "Rona7do" 20th May
Rona7do20/05/2019 22:48

I'd have been all over this but already got a credit card with them


Don't think it excludes existing cc holders unless of course its that card you wanted to transfer the balance from.
OP_20/05/2019 20:18

You forgot to add "Must have credit score of 900+" at the end.


Your credit score has nothing to do with lending decisions
indyjukebox20/05/2019 20:37

Opening too many bank accounts to get the introductory offers has often …Opening too many bank accounts to get the introductory offers has often been a reason for rejection and has an impact on your credit score. It is quite well documented. Saying that, credit scoring is so random that sometimes it makes no sense.I have tried pretty much every bank available and Natwest has been the easiest to use and most customer friendly. Their app is user friendly too. I am very happy with them. First direct and Santander were awful in comparison.


I'm 3 switches deep at the moment (First Direct, RBS & Nationwide). My Experian score is still at 999.

I'll keep going until that score starts dropping
Do I need to get a new card or can I use my existing NatWest Platinum card to transfer to from elsewhere?
37693541-KOyRr.jpgFull PDF Version of the Summary Box for the Natwest Standard Purple Credit Card.
personal.natwest.com/con…pdf

The Credit Card Summary Box is part of the Financial Conduct Authority's rules (the regulator), which details a summary of all the fees/rates and days etc before payment is required etc, along with detailing things like foreign transaction fees.

There is only one summary box for Natwest's standard purple card, but Natwest isn't following FCA rules and charges existing customer foreign transaction fees of 2.75%, while new customers of the same card, aren't charged foreign transaction fees. This shouldn't happen as there is only one FCA summary box for the Natwest Credit Card. It's depends on the first 6 digits of the card whether you have been charged.

Natwest Summary Box for the purple Natwest standard Credit Card is currently incorrect, so if anyone has been charge foreign Non-sterling transaction fees, it's worth taking it up with them as a complaint and getting them waived. This has been like this since Oct 2018, so any fees since then should be reclaimable.

Handy tip: Always check any fees/charges against a Credit Card's summary box, to make sure you are being charged correctly.
Edited by: "tightar5e" 21st May
yadiyada21/05/2019 09:52

I'm 3 switches deep at the moment (First Direct, RBS & Nationwide). My …I'm 3 switches deep at the moment (First Direct, RBS & Nationwide). My Experian score is still at 999.I'll keep going until that score starts dropping


Again, a common misconception. The Experian score is just that. A score created by Experian based on what they think your credit history looks like. Banks score very differently and each one has different criteria. It is quite common for people to moan that their Experian score is 999, yet they were declined. Because they just do not understand that the Experian score is pretty meaningless when it comes to actually getting credit. Once you get rejected, and that too when you really need a product; that is when the seriousness of this actually hits home.

From MSE.

Your credit score
The three credit reference agencies, Experian, TransUnion and Equifax, have individual ways of scoring you, meaning the numbers you see may be different for each one.

Interestingly, lenders don't see this score at all - it's just for you.

Credit reference companies will try to sell you a credit score
Don't take it too seriously. Your credit reference agency credit file is important. Its credit score isn't.
indyjukebox21/05/2019 22:20

Again, a common misconception. The Experian score is just that. A score …Again, a common misconception. The Experian score is just that. A score created by Experian based on what they think your credit history looks like. Banks score very differently and each one has different criteria. It is quite common for people to moan that their Experian score is 999, yet they were declined. Because they just do not understand that the Experian score is pretty meaningless when it comes to actually getting credit. Once you get rejected, and that too when you really need a product; that is when the seriousness of this actually hits home.From MSE.Your credit scoreThe three credit reference agencies, Experian, TransUnion and Equifax, have individual ways of scoring you, meaning the numbers you see may be different for each one.Interestingly, lenders don't see this score at all - it's just for you.Credit reference companies will try to sell you a credit scoreDon't take it too seriously. Your credit reference agency credit file is important. Its credit score isn't.


True, but opening current accounts isn’t an issue, opening a current account with a lending facility aka an overdraft is. So when wanting to take advantage of switch incentives ensure you don’t take an overdraft.
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