You are one step away from the NatWest Longer Balance Transfer Credit Card. Check the eligibility criteria and how the eligibility checker works before you apply.
Check each requirement below before you apply. Knowing your chances first helps protect your credit score.
An eligibility check uses a soft search, so you can see your chances without affecting your credit score.
Check first, apply with confidence
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📋 Eligibility
- Age: You must be aged 18 or over.
- Residency: You must be a permanent UK resident with a UK address history.
- Income: You need to earn at least £10,000 a year.
- Bank account: You need a UK bank or building society current account to set up repayments.
- Credit check: A full credit check is carried out when you apply; use the eligibility checker first for a soft search.
🔍 How to check your eligibility
- Open the National Westminster Bank Plc eligibility checker or card page.
- Enter a few details about your income and address.
- See your result with a soft search before submitting a full application.
✅ Good to know
- Transfer up to 95%: Move balances up to 95% of your credit limit.
- 0% purchases: Three months interest-free on spending.
- Eligibility check: See your likelihood of acceptance before applying.
Your rate, credit limit and promotional period depend on the provider's credit and affordability checks; check the summary box before applying.