Comparing UK 0% credit cards online since 2002
Is MBNA Halifax? Are Halifax and MBNA linked? Is MBNA part of Halifax? Who owns MBNA?
Many credit card customers in the UK are looking for an answer to these types of MBNA Halifax related questions. This usually occurs when customers are starting to think about a new credit card application.
Customers will very often look for a new card, to make a 0% balance transfer, from their existing card. Alternatively they may look to take advantage of the 0% introductory offer on purchases, on the new card.
Before applying for their new credit card, many customers would like to know the answer to the questions listed above, are Halifax and MBNA linked?
Is MBNA Part Of Halifax?
Many UK card customers, do now understand that you cannot make a balance transfer between two credit cards which are issued by the same card company.
In addition, some credit card providers in the UK, will not allow a customer to have more than one credit card from the same company. This applies, if you already have one of their existing credit cards.
So are Halifax and MBNA linked? Is MBNA part of Halifax?
The answer to the above questions are that, at the moment, they are separate companies. All of the current Halifax credit cards are issued by Bank of Scotland Plc. All of the current MBNA credit cards, in the UK, are issued by MBNA Limited.
The following popular featured UK 0% cards are currently available online. These credit cards will allow balance transfers from any of the MBNA or Halifax credit cards:-
0% Credit Card Expert may receive commissions from some of the credit card companies that we refer users to. How this site works.
- 0% interest for up to 26 months on balance transfers made within first 60 days of account opening
- 3.49% balance transfer fee applies (minimum £5)
- 0% interest on purchases for 3 months from account opening
- At end of promotional period, balance transfers and purchases will revert to standard variable rate
- Worldwide offers and discounts with HSBC home&Away
- Manage your card online
- Annual Fee: None
- You have an annual income or pension before tax of £6,800 or more
- You are a UK resident
- You are aged 18 or over
- You do not hold an HSBC Basic bank account
- 0% for up to 26 months on balance transfers made within 90 days of account opening
- 3.49% balance transfer fee, minimum £5
- 0% on purchases for 3 months from account opening
- Collect M&S points every time you shop anywhere in the world with your card
- One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
- Manage account online
- Annual Fee: None
- You are a UK resident
- You have an annual income or pension of at least £6,800
- You are aged 18 or over
- You have not held a credit card with M&S Bank within the previous 12 months
- 0% for up to 12 months on balance transfers made within 90 days of account opening
- 3.49% balance transfer fee, minimum £5
- 0% on purchases for up to 20 months from account opening
- Collect M&S points every time you shop anywhere in the world with your card
- One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
- Manage account online
- Annual Fee: None
- You are a UK resident
- You have an annual income or pension of at least £6,800
- You are aged 18 or over
- You have not held a credit card with M&S Bank within the previous 12 months
- 0% on balance transfers for 12 months from the date your account is opened
- 3% balance transfer fee in first 60 days, 5% fee applies after 60 days
- 0% on purchases for 3 months from the date your account is opened
- Discounts on Virgin holidays, Virgin trains and Virgin experience days
- Contactless payments to quickly and securely pay for purchases up to £100
- Online card servicing
- Annual Fee: None
- You are a UK resident
- You have a bank or building society account
- You have a good credit history
- You are aged 18 or over
- 0% interest for up to 16 months on balance transfers made within first 60 days of account opening
- 3.49% balance transfer fee applies (minimum £5)
- 0% interest on purchases for up to 18 months from account opening
- At end of promotional period, balance transfers and purchases will revert to standard variable rate
- Worldwide offers and discounts with HSBC home&Away
- Manage your card online
- Annual Fee: None
- You have an annual income or pension before tax of £6,800 or more
- You are a UK resident
- You are aged 18 or over
- You do not hold an HSBC Basic bank account
Who Owns MBNA?
So, who own MBNA? And who owns the Halifax credit card?
Lloyds Banking Group purchased MBNA Limited in June 2017. Lloyds Banking Group is also the ultimate owner of the Halifax, as well as Bank of Scotland.
As a result, both MBNA and Halifax credit cards, in the UK, are now ultimately owned by Lloyds Banking Group. The Lloyds 0% interest credit cards are also issued by Lloyds Banking Group. However, it is still not yet clear how this will ultimately effect the relationship between all of these different credit cards over the longer term.
Will balance transfers be allowed between the MBNA and Lloyds brands? Will Halifax to Lloyds balance transfers be allowed in the future? Can a Lloyds credit card customer also hold an MBNA credit card? None of this is yet clear. It is however, likely that in the future, Lloyds Banking Group will treat all of their credit cards as being from the same company.
Are MBNA And Halifax Linked?
Back in 2007, Halifax sold and then transferred some of it’s existing credit card accounts. These cards went to MBNA Europe Limited. This is part of the reason that some UK credit card customers may be unsure about any possible Halifax MBNA relationship.
The credit cards that were transferred across from the Halifax, were a number of charity and affinity credit cards. These cards formed only a very small part of the overall Halifax credit card business. The following page has a MBNA credit card list, showing all of the UK credit cards, that they used to issue, including for example, the AA credit card.
Customers of these transferred credit card accounts were given a new MBNA credit card, after the sale had completed. These new account numbers replaced their existing Halifax credit card. None of the main Halifax branded credit cards were ever sold, or transferred over, as part of this deal.
So in summary, the answer to the Halifax MBNA question, is that currently there is no direct link between the two credit card companies.
This may well change in the future as the MBNA takeover by Lloyds Banking Group is fully integrated. One result so far, has been a very large reduction in the range of cards issued by MBNA, in the UK.
Related Content From 0% Credit Card Expert:-
Over recent months, we have seen an increasing number of queries regarding the HSBC credit card application process. We have also seen… Read More >>
What are the most suitable credit cards for UK customers looking for 0% purchase credit cards, in 2024? 0% purchase credit cards… Read More >>
Bank of Scotland have withdrawn the longest Bank of Scotland Platinum credit card from the UK market. The now withdrawn Bank of Scotland… Read More >>
