MBNA And Virgin?

We see many credit card customers looking for answers to questions related to the relationship between MBNA and Virgin Money.

Some of the most recent questions relating to MBNA and Virgin have included the following :-

• Are MBNA and Virgin Money the same?
• Are Virgin Money credit cards MBNA?
• Are Virgin  and MBNA the same company?
• Can I balance transfer from MBNA to Virgin?

MBNA And Virgin

The reason that credit card customers are asking these types of questions related to MBNA and Virgin Money, are that these cardholders know that the credit card companies do not allow balance transfers between credit cards that are issued by the same company.

Virgin Money credit cards are now promoted by Virgin Money. However in the recent past, all of the cards themselves were actually issued by MBNA Bank Europe. As a result, this meant that balance transfers were not allowed between MBNA and Virgin Money credit cards.

Today, Virgin Money issue a number of credit cards themselves. However, some e.g. the Virgin Atlantic credit cards were still issued by MBNA until as recently as November 2017.

Further complicating matters is the fact that Virgin Money took on many of the past Virgin/MBNA customers but not all of them.

As a result, unless you have read the small print of your credit card agreement and are certain who issues your current MBNA/Virgin credit card. It can often be safer to assume that transferring between MBNA and Virgin Money may lead to potential problems, and your balance transfer could be refused.

All of the following featured credit cards will however accept a balance transfer from both MBNA and from Virgin Money 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

Card Offers

NatWest Longer Balance Transfer

Balance Transfers:

0% for 23 months

Balance Transfer Fee:

1.99%

Purchases:

0% for 3 months

Representative APR:

19.9% APR (variable)

Card Details

NatWest Longer Balance Transfer

• 0% on balance transfers for 23 months from account opening
• 1.99% 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

Santander All in One

Balance Transfers:

0% for 26 Month

Balance Transfer Fee:

0%

Purchases:

0% for 20 months

Representative APR:

23.7% APR (variable)

Card Details

Santander All in One

• 0% interest on balance transfers for 26 month from date account opened
• 0% balance transfer fee
• 0% interest on purchases for 20 month from date account opened
• 0.5% cashback on all of your purchases
• No foreign transaction fee on purchases made abroad in local currency
• Cashback through Retailer Offers
• Monthly Fee: £3

Application Criteria

Santander All in One

• You are a permanent UK resident
• You have a good credit history with no history of bad credit
• You have an income of £7,500 per year or more
• You are at least 18 years of age

Card Offers

TSB Platinum Purchase

Balance Transfers:

0% for up to 20 months

Balance Transfer Fee:

2.95%

Purchases:

0% for up to 20 months

Representative APR:

19.9% APR (variable)

Card Details

TSB Platinum Purchase

• 0% interest for up to the first 20 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 on purchases for up to the first 20 months
• Internet fraud protection and Clicksafe
• Online card servicing
• Annual Fee: None

Application Criteria

TSB Platinum Purchase

• 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

The recent takeover of MBNA by Lloyds Banking Group, has resulted in a large number of MBNA issued credit cards being withdrawn. MBNA had issued a large n umber of credit cards for football clubs and charities. These cards are now no longer available.

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