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Can I Do A Balance Transfer From Someone Else’s Credit Card?

Over recent months, we have seen many UK credit card customers looking for answers to questions about a balance transfer from someone else’s credit card.

In most cases, when making a balance transfer, a customer will transfer the outstanding balance from a credit card in their own name, to a new credit card, that is also in their name.

However, what if you would like to transfer the outstanding balance from someone else’s credit card? This balance transfer could be from your wife, husband, spouse or partner, to a credit card in your name.

Common questions we have seen on this topic recently have included all of the following:-

  • Can I transfer my husband’s credit card balance to mine
  • Can I balance transfer someone else’s card
  • Can I balance transfer my partners credit card?
  • Can I transfer my wife’s credit card balance to mine?
  • Can you transfer credit card balance to someone else?
  • Can I transfer someone else’s credit card balance to mine?

Often, when people are in a relationship, one person may have a better credit history or higher income. As a result, they maybe more likely to be approved for a new 0% balance transfer credit card. However, it maybe their husband, wife or partner that has the outstanding debt, on a credit card in their name.

Is this type of balance transfer possible? If so, how do you make this type of balance transfer in the UK, in 2021?

Can I Balance Transfer Someone Else’s Card?

Balance Transfer From Someone Else's Credit Card

In most cases, the banks and card companies, will allow you to complete a balance transfer from someone else’s card. This can be to a credit card that you are applying for, or to a card you already have.

The process when making a balance transfer from someone else’s card, is the same as when carrying out any other balance transfer.

You simply need to supply the correct balance transfer information. This includes the name of the credit card, the credit card number and the amount of the balance transfer you would like to make.

When you apply for a new credit card and balance transfer online, many balance transfer request forms do not ask for the name of the cardholder. They generally, just ask for the credit card number you wish to transfer the balance from.

However, you maybe more likely to be asked for the name of cardholder when applying for a new UK balance transfer credit card on the telephone.

Can I Transfer Someone Else’s Credit Card Balance To Mine

Well, as we explain above, yes you can.

However, before you jump straight in and make this type of balance transfer, there is one other issue to consider. When making a balance from someone else’s credit card to your own, be aware of this important issue :-

Once the balance is transferred to a credit card in your name, then you assume all of the liability for the debt.

In other words the credit card company will now hold you responsible for the outstanding amount. As a result, you are now also responsible for all repayments of the outstanding balance. It will be your credit rating at risk, in the event of any non payment.

This is a very important factor to consider. This is especially true during the current Coronavirus pandemic, and the resulting uncertainty around job security for many people.

All of the following UK featured balance transfer credit cards will allow an online balance transfer from someone else’s credit card.


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Card Offers

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Transfer Plus*
  • 0% for 29 months on balance transfers made within 90 days of account opening
  • 2.75% 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

M&S Transfer Plus*
  • 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
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)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 29 months
Balance Transfer Fee:
2.75%
Purchases:
0% for 3 months
Representative APR:
21.9% APR (variable)

Card Details

HSBC Balance Transfer*
  • 0% interest for 29 months on balance transfers made within first 60 days of account opening
  • 2.75% 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

HSBC Balance Transfer*
  • 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
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
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for 22 months
Balance Transfer Fee:
2.9%
Purchases:
0% for 22 months
Representative APR:
21.9% APR (variable)

Card Details

M&S Shopping Plus*
  • 0% for 22 months on balance transfers made within 90 days of account opening
  • 2.9% balance transfer fee, minimum £5
  • 0% on purchases for 22 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

M&S Shopping Plus*
  • 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
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)
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

Card Offers

Balance Transfers:
0% for up to 12 months
Balance Transfer Fee:
2.9%
Purchases:
0% for up to 12 months
Representative APR:
34.9% APR (variable)

Card Details

Post Office Classic
  • 0% on balance transfers for up to 12 months
  • 2.9% balance transfer fee
  • 0% on purchases for up to 12 months
  • Credit limit up to £8,000
  • Online account management
  • Annual Fee: None

Application Criteria

Post Office Classic
  • You are a UK resident
  • You have a bank or building society account
  • You are aged 18 or over
Representative Example: 34.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 34.9% p.a. (variable)
No balance transfers allowed to this card from Capital One or Post Ofice credit cards

Card Offers

Balance Transfers:
0% for 20 months
Balance Transfer Fee:
0%
Purchases:
N/A
Representative APR:
21.9% APR (variable)

Card Details

HSBC Balance Transfer No Fee*
  • 0% interest for 20 months on balance transfers made within first 60 days of account opening
  • No balance transfer fee applies
  • No purchases offer with this card
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Contactless payments to quickly and securely pay for purchases under £45
  • Manage your card online
  • Annual Fee: None

Application Criteria

HSBC Balance Transfer No Fee*
  • 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 have not held a credit card with HSBC Bank in the last 6 months
No Balance Transfer Fee
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
No balance transfers allowed to this card from first direct, HSBC, M&S or Partnership credit cards

You can make balance transfers from Visa to Mastercard, and also from Mastercard to Visa branded credit cards.

So, in summary, yes you can transfer a balance from someone else’s credit card. This is provided that you understand and are comfortable with the transfer of the debt liability to yourself. Legally, your partner, your wife or your husband is no longer liable for the repayments after the transfer.


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Published: November 23, 2021, Updated: November 23, 2021 by Balance Transfer Expert

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