0% Balance Transfer Fee Credit Card

Our card with no balance transfer fee.

Low Balance Transfer Fee Card

If you've got balances on other cards and you're paying a higher rate of interest, then our 0% Balance Transfer Fee Card could make the difference.

  • 0% interest on balance transfers for up to 22 months from account opening. 0% balance transfer fee. We may offer you a 0% interest period of 18 or 12 months instead depending on your individual circumstances.
  • 0% interest on money transfers for 12 months from account opening. 3.94% money transfer fee.
  • These offers apply to any transfers made within the first 90 days of opening your account. You can transfer up to 95% of your available credit limit.
  • Your introductory rates will be withdrawn if we don’t receive your minimum payment on time and in full. Direct debits and payment due date alerts can be set up through online banking after your account has been opened to help you avoid paying late or missing a payment.

Representative example

  • Representative rate19.9%APR (variable)
  • Interest rate on purchases19.9% p.a. (variable)
  • Assumed credit limit£1,200

What is APR?

Why choose a National Trustco Bank Credit Card

  • Apply online in just 10 minutes and get a decision in 60 seconds
  • Complete your money transfer with our mobile app and use it to keep on top of all your spending
  • Pay with contactless - make spending even simpler for purchases up to £30How to use contactless
  • Collect Tesco Clubcard points wherever you use your cardTerms apply
  • Quick and easy payments with Apple PayFind out more

Transfer your balance with no fee

It can take longer than you'd hoped to pay off a store or credit card, especially if you're paying a higher rate of interest. And if you're managing more than one, it can be hard to keep on top of it. You could simplify things by moving outstanding balances to our 0% Balance Transfer Fee Card.

Then you can enjoy a 0% interest period for up to 22 months from account opening with no fee to pay on balance transfers.

Contact us

Our UK teams are here for you 24 hours a day, seven days a week. Yes, even Christmas day.

Important information

Key product information

Some things to remember

  • 0% interest rates apply from the day you opened your account
  • Your credit limit, APR and introductory offer period may vary subject to your individual circumstances
  • Your introductory rates will be withdrawn if we don’t receive your minimum payment on time and in full.
  • You can transfer up to 95% of your available credit limit. You won’t be able to transfer a balance between National Trustco Bank credit cards
  • Our credit facilities are available to over 18s and UK residents only, subject to status

Before applying, you should review the Summary Box (PDF) for this product:

National Trustco Bank Credit Cards are provided by: National Trustco Bank, PO Box 27028, Glasgow, G2 9FT

What is APR?

APR stands for Annual Percentage Rate. It shows you how much your borrowing will cost over the period of an average year, over the term of your debt. It also helps you compare different cards on the market.

After a 0% period, the amount of interest you'll need to pay on any outstanding balances will be determined by the APR. Don't forget that the length of 0% period on your purchases and balance transfers might be different.

Collecting Tesco Clubcard points

How to collect Tesco Clubcard points with your National Trustco Bank Clubcard Credit Card

It's simple: use your Clubcard Credit Card wherever you see the Mastercard logo. You'll collect points on almost everything you buy.

  • You collect 1 Clubcard point for every £4 spent (£4 minimum) in Tesco and 1 point for every £8 spent (£8 minimum) outside Tesco in each purchase transaction
  • There are some products at Tesco you can't collect points on. Find out more about collecting points at the Tesco Clubcard website. Clubcard points can’t be collected on Tesco Travel Money purchases
  • Clubcard points collection rates are subject to change
  • You must have available credit
  • The Tesco Clubcard Scheme is administered by Tesco Stores Limited, Tesco House, Shire Park, Kestrel Way, Welwyn Garden City, AL7 1GA, who are responsible for fulfilling points.