Is Barclaycard MBNA?

We see a lot of UK credit card customers looking for answers to questions like the one above. This is very often, when they are looking to make a balance transfer to a new card.

Why are so many credit card customers asking questions about the Barclaycard MBNA topic?

The reason is that many of these customers will know, that you are not allowed make a balance transfer between two credit cards which are issued by the same company.

So are Barclaycard and MBNA credit cards issued by the same company?

If you are looking for a personal credit card, as most UK balance transfer credit card customers are, then the current answer is no. Barclaycard and MBNA are currently separate credit card issuers.

All of the following popular featured 0% balance transfer credit cards, will as a result currently accept a balance transfer from both a Barclaycard and from any MBNA credit card:-

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Card Offers

NatWest Longer Balance Transfer

Balance Transfers:

0% for 28 months

Balance Transfer Fee:

2.75%

Purchases:

0% for 3 months

Representative APR:

19.9% APR (variable)

Card Details

NatWest Longer Balance Transfer

0% on balance transfers for 28 months from account opening
2.75% balance transfer fee
0% on purchases for first 3 months from account opening
Lock and unlock your credit card in app
Manage your card 24/7 online and by telephone banking
Annual Fee: None

Application Criteria

NatWest Longer Balance Transfer

You are a NatWest customer
You are a UK resident
You are earning at least £10,000 per year
You are aged 18 or over

Only available to customers who have a current account, savings account, credit card or mortgage with NatWest

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)

No balance transfers allowed to this card from NatWest, RBS or Ulster Bank credit cards

Card Offers

TSB Platinum Balance Transfer

Balance Transfers:

0% for up to 28 months

Balance Transfer Fee:

2.95%

Purchases:

0% for 3 months

Representative APR:

19.9% APR (variable)

Card Details

TSB Platinum Balance Transfer

0% interest for up to 28 months on balances transferred within first 90 days
2.95% balance transfer fee during first 90 days, 3% fee applies afer 90 days
0% interest for the first 3 months on purchases
Internet fraud protection and Clicksafe
Apple Pay and Android Pay
Annual Fee: None

Application Criteria

TSB Platinum Balance Transfer

You are an existing TSB customer
You are not currently declared bankrupt, have CCJs or subject to IVA
You have a good credit rating and regular income
You are a UK resident
You are aged 18 or over

Representative Example: 19.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 19.95% p.a. (variable)

No balance transfers allowed to this card from TSB credit cards

Card Offers

Sainsbury’s Dual Offer

Balance Transfers:

0% for up to 20 months

Balance Transfer Fee:

Purchases:

0% for up to 20 months

Representative APR:

20.9% APR (variable)

Card Details

Sainsbury’s Dual Offer

0% interest on balance transfers for up to 20 months
3% balance transfer fee, minimum £3 on transfers made at application
0% interest on purchases for up to 20 months
Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
Collect 1 Nectar point for every £5 spent on your card elsewhere
Online account management
Annual Fee: None

Application Criteria

Sainsbury’s Dual Offer

You have a permanent UK address
You have not been declined for credit in the last month
You do not have a history of bad credit
You are aged 18 or over

To apply for a credit card you must be a Nectar member and should have been one for at least 6 months

Representative Example: 20.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.95% p.a. (variable)

No balance transfers allowed to this card from Sainsbury’s credit cards

Card Offers

Co-operative Bank Balance Transfer

Balance Transfers:

0% for 24 months

Balance Transfer Fee:

Purchases:

0% for 4 months

Representative APR:

20.6% APR (variable)

Card Details

Co-operative Bank Balance Transfer

0% interest for 24 months for balance transfers made within 60 days
3% balance transfer fee, minimum £5
0% interest on purchases for 4 months from account opening
All successful applicants will receive this exact rate and offer
Online account management
Annual Fee: None

Application Criteria

Co-operative Bank Balance Transfer

Only available to customers who have held a Co-operative Bank or smile current account for 1 month or more
You are a UK resident
You have annual income of £10,000 or more
You are aged 18 or over

Only available to Co-operative Bank customers

Representative Example: 20.6% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 20.6% p.a. (variable)

No balance transfers allowed to this card from Co-operative credit cards

The answer to the question is Barclaycard MBNA, is however different when it applies to small business credit cards.

In April 2011 Barclaycard bought MBNA’s small business credit card portfolio in the UK. This resulted in around 60,000 small business credit card accounts being transferred from MBNA Europe to Barclaycard.

So in summary, is Barclaycard MBNA? The answer is currently no for personal credit cards, but yes for small business credit cards.

Barclaycard was the first company in the UK to provide credit cards back in 1996 and is owned by British bank Barclays PLC.

MBNA Europe Limited had been owned by Bank of America since 2006. MBNA first began offering credit cards in the UK back in 1993.

Lloyds Banking Group has now purchased MBNA Europe from previous owners Bank of America. This deal was completed in June 2017. As a result, the number of MBNA issued credit cards has been greatly reduced. There are now no charity, football or rugby club co-branded MBNA credit cards available in the UK market.

Is Barclaycard MBNA?