Transfer intelligence
Where your points can go
No transfer ratios are published yet
Ratios, minimum transfer amounts and transfer bonuses are only published after two people have verified them against the issuer’s own page, and each published record carries that source and the date it was checked. Until that review is complete for a pair, we show nothing for it rather than an unverified number.
The sequence
Transfer in the right order
Confirm the seat first, then transfer. Never the other way around.
Never transfer points before the airline confirms the seat
A transfer cannot be reversed. Confirm the award on the loyalty program’s own booking page first, and only then move points. Nothing on this site is a guarantee that a seat will still be there.
Start from the points you actually hold
Bank and hotel currencies — the transferable kind — can usually move into several airline programs. You enter the balances yourself; we never ask for a loyalty-account login, a member number or a password.See which programs those points can reach
A transfer partnership is specific to a currency, a destination program and often a country of residence. Where a partnership is regional, we say which region it applies to instead of showing you an option you cannot use.A partnership existing is not the same as it being available to you. Eligibility is decided by the issuer and the program, not by us.
Confirm the award before you move anything
Search the program, open the airline's own booking page, and confirm the seat is really there at the price shown. Award inventory can disappear between an observation and a booking attempt.Transfers are effectively one-way. Points that arrive in an airline program almost never come back, and a transfer completed for a seat that has gone is a loss with no remedy.
Transfer, then book
Transfer times range from instant to several days depending on the pair. Where a partner publishes a minimum transfer amount or an increment, the arithmetic we show rounds up to it rather than quietly reporting a figure you cannot actually transfer.
Scope
The kinds of currency this is built for
Named partners appear here only once their records are published. Until then, this is the shape of the coverage, not a list of partnerships we have.
Bank and card currencies
Flexible points earned on a card and moved into an airline program. These are the currencies most people actually hold, and the ones where a wrong ratio costs the most.
Hotel currencies
Hotel points that transfer into airline programs, usually at a much lower rate and often in fixed blocks. The block size matters more than the headline ratio.
Airline programs as destinations
The receiving end of a transfer. A program can be reachable by transfer while still not being searchable here — the two are unrelated.
What a published record has to contain
A transfer record is not published until every field below is filled in and two people have verified it against the issuer’s own page. Records move through draft, reviewed, published and then expired or retracted — and a retracted record disappears rather than lingering as a stale fact.
- Source currency and destination program
- Ratio, expressed as source units to destination units
- Minimum transfer amount and the increment above it
- Estimated transfer time, as a range rather than a single figure
- Regions or countries of residence the partnership applies to
- Effective start and end dates, with a timezone
- The issuer's own page as the source, and the date a human checked it
- Whether a bonus is public or targeted, and whether registration is required
A targeted bonus is never presented as universally available. If a bonus only applies to selected accounts, the record says so and the arithmetic does not assume you have it.
How the arithmetic is shown
Required source units are derived from the award’s points price and the published ratio, then rounded up to the partner’s minimum and increment — so the figure you see is an amount you can actually transfer, not a theoretical one. Where a bonus applies, the effective ratio and the assumptions behind it are shown alongside the result.
We never subtract a transfer from your saved balance automatically, and we never recommend a transfer against an observation that is stale or uncertain without saying so.
Your balances stay yours
Balances are entered by hand: a program, an amount, an as-of date and an optional note. We do not ask for a loyalty-account login, a member number or a password, and we do not connect to any program on your behalf.
How many balances you can store depends on your plan. The limits are on the pricing page, and deleting a balance removes it.