Halifax MBNA?

Is Halifax MBNA? Are Halifax and MBNA linked?

Halifax MBNA

These Halifax MBNA questions are common questions that we have seen on many occasions, over recent months.

Many UK credit card customers are looking for an answer to this Halifax MBNA question.

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

Halifax MBNA?

So are Haliafx and MBNA linked?

The answer to the above question is that Halifax and MBNA are currently separate companies However both 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 current featured credit cards will all allow balance transfers from both Halifax and MBNA credit cards:-

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 12 months
Balance Transfer Fee:
0%
Purchases:
0% for 12 months
Representative APR:
17.9% APR (variable)
More Information

Credit Card Details

Nationwide Credit Card just for Nationwide members*
  • 0% on balance transfers for 12 months from account opening
  • 0% balance transfer fee within first 3 months, 2.4% fee applies after, minimum £5
  • 0% on purchases for 12 months from account opening
  • Commission free allowance on purchases abroad (subject to terms)
  • Manage account online
  • Annual Fee: £0
More Information

Application Criteria

Nationwide Credit Card just for Nationwide members*
  • Nationwide credit cards are just for members. You are a member when you have a current account, mortgage or savings account with Nationwide
  • You have been living in the UK for the last 12 months
  • You have a gross income each year of more than £5000
  • You have a good credit history
  • You are aged 18 or over
More Information
Nationwide credit cards are just for members. You are a member when you have a current account, mortgage or savings account with Nationwide
Representative Example: 17.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 17.9% 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 12 months
Balance Transfer Fee:
3%
Purchases:
None
Representative APR:
19.9% APR (variable)
More Information

Credit Card Details

Asda Cashback Credit Card*
  • 0% on balance transfers for 12 months
  • 3% balance transfer fee, minimum £3
  • 0% for 6 months on purchases of £200 or more at George.com
  • 1% cashback on your Asda shopping online and instore
  • 1% cashback at Asda Living, Asda petrol stations and George.com
  • 0.2% cashback everywhere else
  • Annual Fee: £0
More Information

Application Criteria

Asda Cashback Credit Card*
  • You have a permanent UK address
  • You have a UK bank or building society account
  • You are able to provide at least one telephone number
  • You have a regular source of income
  • You are aged 18 or over
More Information
Unlimited cashback vouchers - 1% at Asda plus 0.2% everywhere else
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 12 months
Balance Transfer Fee:
0%
Purchases:
0% for 12 months
Representative APR:
15.9% APR (variable)
More Information

Credit Card Details

Nationwide Select Credit Card just for Nationwide members*
  • 0% on balance transfers for 12 months from account opening
  • 0% balance transfer fee within first 3 months, 2.4% fee applies after, minimum £5
  • 0% on purchases for 12 months from account opening
  • Unlimited commission free purchases abroad
  • Manage account online
  • Annual Fee: £0
More Information

Application Criteria

Nationwide Select Credit Card just for Nationwide members*
  • Nationwide credit cards are just for members. You are a member when you have a current account, mortgage or savings account with Nationwide
  • Nationwide Select Credit Card is only available to members who hold their main current account with Nationwide
  • You have been living in the UK for the last 12 months
  • You have a gross income each year of more than £5000
  • You have a good credit history
  • You are aged 18 or over
More Information
Nationwide Select Credit Card is only available to members who hold their main current account with Nationwide
Representative Example: 15.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 15.9% p.a. (variable)

Back in 2007 Halifax sold and then transferred some of it’s existing credit card accounts over to MBNA. 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 to MBNA.

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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