What do readers think about earning Avios points from Midpoint?

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.

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How to earn Avios from UK credit cards (June 2025)

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 Mastercard

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

Barclaycard Avios Mastercard

Get 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 Card

30,000 Avios and the famous annual Companion Voucher voucher Read our full review

British Airways American Express Credit Card

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 Credit Card

Your best beginner’s card – 20,000 points, FREE for a year & four airport lounge passes Read our full review

The Platinum Card from American Express

50,000 bonus points and great travel benefits – for a large fee Read our full review

Run your own business?

We recommend Capital on Tap for limited companies. You earn points worth 0.8 Avios per £1 on the FREE standard card and 1 Avios per £1 on the Pro card. Capital on Tap cards also have no FX fees.

Capital on Tap Visa

NO annual fee, NO FX fees and points worth 0.8 Avios per £1 Read our full review

Capital on Tap Pro Visa

10,500 points (=10,500 Avios) plus good benefits Read our full review

There is also a British Airways American Express card for small businesses:

British Airways American Express Accelerating Business Card

30,000 Avios sign-up bonus – plus annual bonuses of up to 30,000 Avios 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.

The American Express Business Platinum Card

50,000 points when you sign-up and an annual £200 Amex Travel credit Read our full review

The American Express Business Gold Card

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.