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BT to a debit card

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Herbalus
Herbalus Posts: 2,634 Forumite
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in Stoozing: free cash from credit cards
Anybody tried putting in a debit card number when doing an online BT?
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  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
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    Haven't tried personally, but would imagine it would fail the BIN check?
  • Herbalus
    Herbalus Posts: 2,634 Forumite
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    BIN check?

    I haven't tried it either, but it was suggested by somebody I met that used to work for a bank that it was sometimes possible.
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
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    Herbalus wrote: »
    BIN check?
    IIRC the first 6 digits of the card number denote the type of card, ie Visa or MasterCard and credit or debit (and also the issuer).
  • 20aday
    20aday Posts: 2,610 Forumite
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    Herbalus wrote: »
    BIN check?

    I haven't tried it either, but it was suggested by somebody I met that used to work for a bank that it was sometimes possible.

    Bank Identification Number. Yorkshireboy means the system would know if it's a credit/debit card and then be processed/declined accordingly.

    For example AmEx cards start with 3, Visa 4 and so one.

    Wonder if the person you met was referring to a Money Transfer?
    It's not your credit score that counts, it's your credit history. Any replies are my own personal opinion and not a representation of my employer.
  • Lou85
    Lou85 Posts: 135 Forumite
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    A BT can only be done to another credit card and yes it would fail the BIN check.

    Your friend was referring to a money transfer which is possible with some providers however is not charged at the same rate as a BT therefore you would need to check with your provider to see if there are any promotions running for a money transfer.
    #27 £2016 in 2016 = £763.61

    #42 £2 Savers Club = £160

    *Savers Club not included in overall 2016 savings until the tin is opened and my estimates have been confirmed later in the year.
  • Superscrooge
    Superscrooge Posts: 1,171 Forumite
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    Tesco credit card will allow you to do a money transfer to your bank account rather than to another credit card, which is effectively the same as a transfer to a debit card.

    I've tried to post the link below if it works

    http://www.tescobank.com/credit-cards/money-transfer/index.html?cmpid=aff/acq/cc/35mt/dz/Dotzinc
  • Dan83
    Dan83 Posts: 672 Forumite
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    ^^^With a 3.94% fee
  • Lou85
    Lou85 Posts: 135 Forumite
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    RE the Tesco Card...make sure you apply for the money transfer card as not all cards offer the 0% money transfer option.

    If you have an existing card or apply for a different card it's unlikely they can/will change the offer.
    #27 £2016 in 2016 = £763.61

    #42 £2 Savers Club = £160

    *Savers Club not included in overall 2016 savings until the tin is opened and my estimates have been confirmed later in the year.
  • johnsonbrianna
    johnsonbrianna Posts: 3 Newbie
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    thanks for the result
  • Anthorn
    Anthorn Posts: 4,362 Forumite
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    Am I missing something here? To Balance Transfer to a Debit Card which actually means BT to a bank account, you just pay off the balance with a debit card.
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