Maximise your Avios, air miles and hotel points

How to earn Avios points on foreign currency transfers with Midpoint

Links on Head for Points may pay us an affiliate commission. A list of partners is here.

This articles shows how you can earn Avios points when you make foreign currency transfers with Midpoint.

It is almost two years since Midpoint launched as an Avios partner.  We haven’t given it a full article since then, so it is well overdue for another look.

What is Midpoint?

Midpoint is a UK-based platform for making international payments. It is FCA regulated and has a 5* Trust Pilot ranking.

The company can transfer funds to 79 countries in over 20 currencies.  It uses segregated trust accounts at major local banks to ensure that funds remain safe.  It claims that typical individual users are expats, international students and those with property abroad.

How to earn Avios with Midpoint

How to earn Avios with Midpoint

The earning rate is 1 Avios per £10, up to an annual maximum of 100,000 Avios.  The service is available to both businesses and individuals.

(I believe the cap is removable by negotation – we know from discussions with the Midpoint CEO that he awarded 300,000 Avios on a single transaction made by a UK fund manager!)

Avios are being awarded into Avios Travel Rewards Programme, British Airways Executive Club, Iberia Plus, AerClub or Vueling Club accounts.

Note that if you use the Aer Lingus or Iberia schemes, you earn at the rate of 1 Avios per €11 transferred.

What are Midpoint’s fees?

A breakdown of the fees can be found here.  Midpoint claims to use midmarket exchange rates so the fee is the only expense you have – there is no FX spread.

Whilst 1 Avios per £10 may initially seem quite low, it is a decent return on your fee.  The example on their site of a £257 fee on transferring £50,000 would be offset by almost 20% if you value the 5,000 Avios earned at £50.

How to earn Avios with Midpoint

How do I register to earn Avios with Midpoint?

You can register as an individual or a business on this page of the Midpoint site.

During the registration process you must upload a proof of identity (i.e. passport) and proof of address.

At the end of the registration process you can add your Avios account number of the programme you would like to receive the Avios into. Make sure that your last name is the same as the one registered with your Avios account in order to receive your points.

You can find out more about the partnership on the British Airways lifestyle and finance partners page here.

The Midpoint website is here if you want to find out more.  Note that you must use this special Midpoint / Avios page when registering to receive points.

how to earn avios from credit cards

How to earn Avios from UK credit cards (January 2021)

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

There are two official British Airways American Express cards:

British Airways American Express card

British Airways American Express

5,000 Avios for signing up, no annual fee and a companion voucher for spending £20,000 Read our full review

BA Premium Plus American Express card BAPP

British Airways American Express Premium Plus

25,000 Avios and the UK’s most valuable credit card perk – the 2-4-1 companion voucher Read our full review

You can also get generous sign-up bonuses by applying for American Express cards which earn Membership Rewards points, such as:

Nectar American Express

American Express Preferred Rewards Gold

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

American Express Platinum card Amex

The Platinum Card from American Express

30,000 points and an unbeatable set of travel benefits – for a fee 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.

If you have a small business, we especially recommend Capital On Cap’s Visa card which comes with a generous bonus worth 10,500 Avios:

Capital On Tap Business Rewards Visa

The most generous Avios Visa or Mastercard for a limited company Read our full review

(Want to earn more Avios?  Click here to visit our home page for our latest articles on earning and spending your Avios points and click here to see how to earn more Avios this month from offers and promotions.)

Comments (18)

  • MudIslandMlungu says:

    APIs are not regulated but rather Authorised by the FCA.

  • Shoestring says:

    Worth checking against Worldremit (and that’s *without* the WR £50 bonus for first time users).

    • Radiata says:

      Have a look also at exchange4free which, as the name suggests, does not charge a commission. Rates comparable to worldremit for USD and better in some cases for others.

  • MDA says:

    What is the best way to purchase foreign currency on an amex card (with the intention to hit the 3k target)

    • Shoestring says:

      The Amex cash advance 3% fee would be payable.

      You might still be interested if you have a target to hit, probably worth seeing if the usual suspects take Amex.

      Try Moneycorp (‘‘Payment Card’ means a UK-issued debit or credit card (including without limitation
      American Express, MasterCard or Visa’).

    • Mark2 says:

      You could load it onto a Monese card at a Post Office or Paypoint (£15.95 plan required for any quantity).

  • Shoestring says:

    O/T weekend HFPers – don’t miss 300 free Avios (Iberia) when you log into Accorhotels and join ClubOpinions

    If you turn on autoconvert Accor points to IB (any amount), you’ll get an instant transfer to IB overnight

    • Lee CB says:

      Thanks for the tip, Shoestring, and it’s 600 if you have Accor status (silver or above).

    • Peter K says:

      I’ve never had the autoconvert work for me. When when I had enough points for a normal transfer they never went across.

      • Shoestring says:

        Can be done and somebody managed it anew a couple of weeks ago. Ours are long-standing.

        Dear Ms SHOESTRING,
        We are delighted to confirm your Rewards points have been automatically converted into Iberia Plus air miles with our partner Iberia.

  • Mark says:

    Used Midpoint for the first time this week on Robs advice.

    Very simple and easy to set up. $20,000 transaction all set up and taken care of in a matter of hours