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What do readers think about earning Avios points from Midpoint?

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About two weeks ago we wrote about the new Avios partner Midpoint.

Midpoint is a UK-based platform for making international payments which gives you 1 Avios per £10 transferred.

We asked for reader feedback because the system is quite opaque from the outside.  We received this from a reader who was happy for us to share it:

First time used. Set up is quite labour intensive as you reported. Had to scan and send copy of passport. Then big fuss about sending proof of address as they wanted a utility bill which I didn’t have as I pay everything by direct debit. I scanned and sent a mobile phone bill from Vodafone which they rejected. After a longish telephone conversation we agreed on my driving license.

Flurry of emails from them all on the same day confirming my email address, confirming I added a beneficiary, confirming my account has been authorised and confirming account has been approved and giving me log in details.

I normally pay Currency Direct or Moneycorp £700 a month to transfer to my Spanish account. I could see early in the Midpoint process that there was a charge of £10 for my transaction so I arranged to transfer £690 to make my total bill consistent at £700. Importantly the Euros I received for my £690 were more than I would have got from Moneycorp or Currency Direct for my £700.

On the same day I got an email confirming credit of the money in my Midpoint Account. I then had to allocate the funds to the beneficiary.

On the next day got another email confirming funds sent to beneficiary. Later that day checked my Spanish bank account and funds had arrived. My Avios have not yet arrived. I spoke to Brad at Midpoint and was told they expect a time delay between 14 and 30 days. As they are a relatively new partner though there is a bit of uncertainty about how long it will take. This for me is not a problem (I already have over 800,000). Therefore within reason I don’t care how long it takes as long as I do eventually receive them.

I will continue to check their rates with the competitors but if all things stay the same I will continue to use them on a regular basis. Ten out of ten!

So far so good, it seems.  Our initial article about Midpoint is here and their Avios home page is here.


How to earn Avios from UK credit cards

How to earn Avios from UK credit cards (June 2024)

As a reminder, there are various ways of earning Avios points from UK credit cards.  Many cards also have generous sign-up bonuses!

In February 2022, Barclaycard launched two exciting new Barclaycard Avios Mastercard cards with a bonus of up to 25,000 Avios. You can apply here.

You qualify for the bonus on these cards even if you have a British Airways American Express card:

Barclaycard Avios Plus card

Barclaycard Avios Plus Mastercard

Get 25,000 Avios for signing up and an upgrade voucher at £10,000 Read our full review

Barclaycard Avios card

Barclaycard Avios Mastercard

5,000 Avios for signing up and an upgrade voucher at £20,000 Read our full review

There are two official British Airways American Express cards with attractive sign-up bonuses:

British Airways American Express Premium Plus

25,000 Avios and the famous annual 2-4-1 voucher Read our full review

British Airways American Express

5,000 Avios for signing up and an Economy 2-4-1 voucher for spending £15,000 Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points. These points convert at 1:1 into Avios.

American Express Preferred Rewards Gold

Your best beginner’s card – 30,000 points (TO 16TH JULY), FREE for a year & four airport ….. Read our full review

The Platinum Card from American Express

40,000 bonus points and a huge range of valuable benefits – for a fee Read our full review

Run your own business?

We recommend Capital on Tap for limited companies. You earn 1 Avios per £1 which is impressive for a Visa card, along with a sign-up bonus worth 10,500 Avios.

Capital on Tap Business Rewards Visa

10,000 points bonus – plus an extra 500 points for our readers Read our full review

There are also generous bonuses on the two American Express Business cards, with the points converting at 1:1 into Avios. These cards are open to sole traders as well as limited companies.

American Express Business Platinum

40,000 points sign-up bonus and an annual £200 Amex Travel credit Read our full review

American Express Business Gold

20,000 points sign-up bonus and FREE for a year Read our full review

Click here to read our detailed summary of all UK credit cards which earn Avios. This includes both personal and small business cards.

Comments (34)

This article is closed to new comments. Feel free to ask your question in the HfP forums.

  • TeflonMan says:

    Midpoint: long-winded sign-up process as described by others. The main let-down compared to TransferWise is that you don’t get a guaranteed rate. The actual transfer from EUR to GBP took 4 (four!!) days from confirmed receipt of money in their account and only happened after I chased them.
    Yes, some Avios earned in the process (if they materialize eventually), but not worth the hassle and delay. Back to TransferWise for me.

  • New Card says:

    Rob – Is there anything you’re allowed to tell us re the new Virgin cards following your meeting with them? Or are you now sworn to secrecy? 🙂

  • JAXBA says:

    LH M&M > Tesco gift card > earn Clubcard points on spend > Avios.

    Gets slightly more value than 0.0027027027 pence per LH mile. Slightly…

  • Jo says:

    OT: can I use my priority pass card (from plat) at T5 plaza premium lounge? Don’t see it listed on their website. The aspire one is crap super overcrowded.

    • Braiden says:

      Amex plat get access to plaza premium using your Amex. Did this recently as I don’t like the Aspire lounge.

  • Chris says:

    I sent a payment with Midpoint, when I checked the rates they came out around £5 more expensive than OFX, but earning around 1200 avios so just over 0.4p per point. Interesting option to have, but the avios aren’t free. Will see how long they take to post…

  • ahop says:

    OT: Do BA provide bedding on all club world flights or is just a select few? Having flown recently I was expecting more than the standard blanket you would receive in Economy with Qatar.

  • Boris says:

    Is Tesco club card doing the 20% extra to Virgin points

  • Simon says:

    I flew Virgin Premium Economy on a 747 going to Vegas last year, wasn’t that impressed to be honest, not helped by the person in front of me having his seat reclined as far back as it would go. I ended up moving to Economy for quite a lot of the flight, it was about 25% full I’d say so could lie full length on a row of seats.

    Flew back from Miami on a 787 in Premium Economy and was much more impressed by it. Booked another Premium Economy flight with Virgin this year and managed to get a 787 both way … unless they change the planes.

This article is closed to new comments. Feel free to ask your question in the HfP forums.

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