Comparing balance transfer credit cards online since 2002Can you balance transfer to another person? Can you balance transfer from one person to another? Is a credit card balance transfer to a different name possible, in the UK?
We have, over recent years and months, seen many UK credit card customers looking for an answer about making a balance transfer from one person to another.
This balance transfer to another person situation, often occurs when one person has the outstanding balance on a card in their name. However, another person close to them, may well have a stronger credit rating, or a larger income. As a result, this often makes this other person much more likely to be accepted for any new 0% balance transfer offers.
The balance transfer to another person scenario, is most often seen with an unmarried couple, or partners, with different names living together. This couple may wish to make a balance transfer from one person to the other.
Can You Balance Transfer From One Person To Another?
Some, but not all, of the UK credit card issuers will allow a balance transfer to another person. These credit cards will allow a balance transfer from people with different names.
When applying for a new balance transfer credit card, many balance transfer requests are now made online. In this case, many of the online balance transfer forms do not ask for the name of the cardholder, that you are making the balance transfer from.
These online balance transfer forms simply ask for the brand name of the credit card, the 16 digit credit card number, and the size of the amount that you wish to balance transfer.
You are however often more likely to be asked for the cardholders name, when you apply to transfer the balance over the telephone. You may also be asked for the cardholders name, if you apply for your transfer in a bank branch.
Credit Card Balance Transfer Different Name
So, from the above, you know that you can make a credit card balance transfer to a different name. However, there is one important issue that you need to be fully aware of before you go ahead and make the type of balance transfer.
The issue to be aware of is the transfer of the liability of the debt.
If, for example, Miss Smith does a balance transfer to a credit card belonging to Mr Brown. Then after the transfer, Mr Brown is now responsible for all repayments of the outstanding amount. It will be Mr Brown’s credit rating at risk in the event of any non payment of this debt.
All of the following 0% balance transfer credit cards will allow a balance transfer to another person. These featured credit cards do not ask for the cardholders name when making a balance transfer request online.
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Card Offers
Card Details
- 0% interest for up to 27 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
Application Criteria
- 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
Card Offers
Card Details
- 0% for 28 months on balance transfers made within 90 days of account opening
- 2.99% 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
Application Criteria
- 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
Card Offers
Card Details
- 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
Application Criteria
- 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
Card Offers
Card Details
- 0% on balance transfers for 15 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 15 months from date you open your account
- Unlimited commission-free purchases abroad
- Manage account online
- Annual Fee: None
Application Criteria
- 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
Card Offers
Card Details
- 0% for 15 months on balance transfers made within 90 days of account opening
- 2.99% balance transfer fee, minimum £5
- 0% on purchases for 18 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
Application Criteria
- 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
So in summary, yes you can do a credit card balance transfer to a different name. This is provided, that you fully understand, and are OK, with the issue of the debt transfer to yourself.
When making a balance transfer to another person, it is then your legal responsibility, for all of the monthly repayments. This applies as soon as you do do a balance transfer from one person to another.
At this point, then that outstanding debt has now been transferred into your name. You will now need to make all of the repayments, until this outstanding balance has been repaid in full.
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