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 transfer could be from your wife, husband, spouse or live in partner, to a new balance transfer 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 my partners credit card?
• Can I transfer my wife’s credit card balance to mine?
• Can you do a balance transfer for someone else?
• Can you transfer credit card balance to someone else?
• Can I do a balance transfer from my husband card?
• Can I transfer someone else’s credit card balance to mine?

Often, it may be one person that is more likely to be approved for a new 0% balance transfer credit card, while it may be their husband, wife or partner that has the outstanding debt, on a credit card in their name.

Is this type of balance transfer possible, and if so, how do you make these transfers happen in 2020?

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

In most cases, the credit card companies will allow you to complete a balance transfer from someone else’s credit 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 that you wish to transfer.

When you apply for a credit card and online balance transfer, 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.

You may however, be more likely to be asked for the name of cardholder when applying for a new balance transfer credit card on the telephone.

However Watch This Important Issue

Before you jump straight in and transfer a balance from someone else’s credit card to your own, do consider the following important issue :-

Once the balance is transferred on 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, especially 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.

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

Card Offers

Sainsbury’s Balance Transfer

Balance Transfers:

0% for up to 26 months

Balance Transfer Fee:

3%

Purchases:

0% for 3 months

Representative APR:

19.9% APR (variable)

Card Details

Sainsbury’s Balance Transfer

• 0% interest on balance transfers for up to 26 months
• 3% balance transfer fee on transfers made at application
• 0% interest on purchases for your first 3 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 Balance Transfer

• 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

Card Offers

TSB Platinum Balance Transfer

Balance Transfers:

0% for up to 30 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 30 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

Card Offers

Co-operative Bank Balance Transfer

Balance Transfers:

0% for 24 months

Balance Transfer Fee:

3%

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

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 from your partner, your wife or your husband to yourself.

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