Halifax MBNA?

Is MBNA Halifax? Are Halifax and MBNA linked? Is MBNA part of Halifax?

Halifax MBNA

The above questions are all common questions that we have seen many times, over recent months.

Many UK credit card customers are looking for an answer to these MBNA Halifax questions.

This usually occurs when customers are starting to think about applying for a new 0% credit card.

Customers very often look for a new card, to make a 0% balance transfer, or to take advantage of the 0% introductory offer on purchases.

There are two main reasons that many credit card customers would like to know the answer to the above, are Halifax and MBNA linked questions:-

  1. Many customers understand that you can not make a balance transfer between two credit cards that are owned by the same company
  2. Some card companies, also will not allow a customer to have another credit card from that company, if they already have an existing credit card with the same company

Is MBNA Part Of Halifax?

So are Halifax and MBNA linked?

The answer to the above question is that Halifax and MBNA are currently separate companies. However, both companies are now owned by Lloyds Banking Group.

All of the current Halifax credit cards are issued by Bank of Scotland Plc. All current MBNA credit cards issued by MBNA Limited.

Lloyds Banking Group is the ultimate owner of Halifax and Bank of Scotland. Lloyds Banking Group purchased MBNA Limited in June 2017. However, it is not yet clear how this will ultimately effect the relationship between Halifax and MBNA credit cards over the longer term.

The following popular featured credit cards will all allow balance transfers from both Halifax and MBNA credit cards:-


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0% Credit Card Offers

Balance Transfers:
0% for 28 months
Balance Transfer Fee:
2.85%
Purchases:
0% for 6 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

M&S Transfer Plus Credit Card*
  • 0% for 28 months on balance transfers made within 90 days of account opening
  • 2.85% balance transfer fee, minimum £5
  • 0% on purchases for 6 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • Preferential rates when you use your card to order M&S Travel Money
  • Manage account online
  • Annual Fee: £0
More Information

Application Criteria

M&S Transfer Plus Credit Card*
  • You are a UK resident
  • You have a UK bank or building society account
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within previous 12 months
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 25 months
Balance Transfer Fee:
1.5%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)
More Information

Credit Card Details

HSBC Balance Transfer Credit Card*
  • 0% interest for 25 months on balance transfers made within first 60 days of account opening
  • 1.5% balance transfer fee (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
  • home&Away rewards programme giving you instant discounts from well-known brands
  • Online account management
  • Annual Fee: £0
More Information

Application Criteria

HSBC Balance Transfer Credit Card*
  • You have an annual income or pension before tax of £8,500 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
Representative Example: 21.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 21.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

0% Credit Card Offers

Balance Transfers:
0% for 18 months
Balance Transfer Fee:
1.5%
Purchases:
0% for 3 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Nationwide Member Credit Card*
  • 0% on balance transfers for 18 months if made within 90 days of account opening
  • 1.5% balance transfer fee within first 90 days, after that 2.4% fee applies, minimum £5
  • 0% on purchases for 3 months from date you open your account
  • Unlimited commission-free purchases abroad
  • Manage account online
  • Annual Fee: £0
More Information

Application Criteria

Nationwide Member Credit Card*
  • Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
  • You are a UK resident
  • You have a minimum income of £5000 per year
  • You have a good credit history
  • You are aged 18 or over
More Information
Must be a Member of Nationwide. This means you already have a current account, mortgage or savings account with Nationwide
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 20 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 20 months
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

M&S Shopping Plus Credit Card*
  • 0% for 20 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 20 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • Preferential rates when you use your card to order M&S Travel Money
  • Manage account online
  • Annual Fee: £0
More Information

Application Criteria

M&S Shopping Plus Credit Card*
  • You are a UK resident
  • You have a UK bank or building society account
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within previous 12 months
More Information
Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

0% Credit Card Offers

Balance Transfers:
0% for 18 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 18 months
Representative APR:
22.9% APR (variable)
More Information

Credit Card Details

HSBC Purchase Plus Credit Card*
  • 0% interest for 18 months on balance transfers made within 60 days of account opening
  • 2.9% balance transfer fee (minimum £5)
  • 0% interest on purchases for 18 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • home&Away rewards programme giving you instant discounts from well-known brands
  • Online account management
  • Annual Fee: £0
More Information

Application Criteria

HSBC Purchase Plus Credit Card*
  • You have an annual income or pension before tax of £8,500 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
More Information
Representative Example: 22.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions

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 a possible Halifax MBNA relationship.

The credit cards that were transferred across from the Halifax, were charity and affinity credit cards. These cards formed only a very small part of the overall Halifax credit card business.

Customers of these transferred credit card accounts were reissued with a new MBNA credit card after the transfer. These new account numbers replaced their existing Halifax credit card. None of the main Halifax branded credit cards were ever sold or transferred over.

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.


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