Credit cards - who owns who - balance transfers

izools

For those interested in which credit cards belong to which banking groups - which is especially important when deciding who to apply with for a balance transfer - these are the banking groups that exist in the UK and the various brands of cards that fall under each brand:

(The brackets identify which credit reference agency each card provider searches when you apply - EQ - Equifax. EX - Experian. CC - Call Credit)

Barclaycard (EQ/EX)

Barclaycard
Priority Club
Hilton HHonors
Orange
Thomas Cook
Shop Mastercard
Sky Card

Lloyds Banking Group (CC/EX)

Lloyds TSB
Halifax*
Bank of Scotland
Sainsbury's**

*You can transfer the balance of a Lloyds TSB credit card to a Halifax card

**Sainsbury's Bank PLC are in the process of buying out their share and setting up as an independent bank

SAV Credit (EX)

Aqua
Marbles
Opus

HSBC (EQ/EX)

HSBC
First Direct
Marks & Spencer
John Lewis Partnership

MBNA (EX)

MBNA
Virgin Money
Play.com
Fluid
Amazon
American Airlines
Etihad
United
Miles&More
Emirates
AA

Tesco (EX)

Tesco

Santander (EX)

Santander
House of Frasier
Ryanair
Debenhams

Sygma Bank (EQ)

Creation
Asda
Flybe
Mariott Rewards
Maximiles
Sygma Silver
MyWorld
JJB
Donate As You Spend

Capital One (EQ/EX)

Capital One
Luma

Vanquis (EX)

Vanquis
Argos
Aquiss
Black Diamond

Metro Bank (EQ)

Metro Bank

RBS Group (EQ/EX)

RBS
Natwest
Ulster Bank
Mint

Nationwide (EX)

Nationwide

Bank of Ireland (EX)

Post Office

American Express (EX)

American Express (Gold, Platinum, Rewards, Blue, Green)
British Airways
Nectar
Starwood Preferred
Costco

R Raphael & Sons

Monument
Shout

National Australia Bank (EX)

Clydesdale Bank
Yorkshire Bank

Co-Operative Bank (EX)

Co-Operative Bank
Smile
The Woodland Trust
Britannia
Greenpeace
RSPB
Save The Children
Water Aid
Amnesty International
Christian Aid
Action Aid
Friends of the Earth
Shelter
Oxfam

Allied Irish Bank (EQ)

Saga Platinum

This isn't an exhaustive list so if you have any to add please do.

Hopefully this can be made a sticky

The_Boss

Good stuff and very useful. Thanks.

Maestro.

Add fluid card under mbna.

...and Amazon.

izools

Maestro. wrote: »

Add fluid card under mbna.

...and Amazon.

Done and done

guesswho2000

Good idea; my contribution - MBNA back a whole host of cards, notably most airline cards (American Airlines, Etihad, United, Miles&More, Emirates) - one exception being Ryanair, which is issued by Santander.

guesswho2000

Another thought - cards no longer available to new subscribers - maybe worth including for those looking to BT from said card, where they wouldn't be able to within the same group?

Mint, issued by RBS group, springs to mind, as well as Orange & Thomas Cook (Barclaycard)...

zerog

You can transfer a Lloyds balance to a Halifax card, but not the other way. I posted a thread about this a few months ago.

The_Boss

Quick question re. Tesco. On my statement paying in slip it gives the address as HSBC. So do HSBC just administer account payments?

dalesrider

The_Boss wrote: »

Quick question re. Tesco. On my statement paying in slip it gives the address as HSBC. So do HSBC just administer account payments?

Yes they just process the transactions. Tesco are not part of the HSBC group as far as CC's go.

guesswho2000

dalesrider wrote: »

Yes they just process the transactions. Tesco are not part of the HSBC group as far as CC's go.

Indeed, some of the payment slips I get (which ones I don't remember without looking) still say Alliance + Leicester. Which I presume means Santander process them!

Tesco are Tesco, even when they weren't, they were part of RBS group.

dalesrider

guesswho2000 wrote: »

Which I presume means Santander process them!

Tesco are Tesco, even when they weren't, they were part of RBS group.

They moved from Santander to HSBC for their processing a while back.