Which Canadian Bank Transfer Partners Allow Points Pooling?

Collecting points through financial institutions with your significant other, or adult children, is an excellent strategy to supercharge everyone’s earnings. However, getting all those points from multiple RBC or American Express Canada accounts into one pot to make a big redemption can be a challenge.

Based on RBC and Amex’s transfer partners, here’s the best way to combine balances with multiple people.

Unique American Express Canada Transfer Partners

Air Canada Aeroplan

Aeroplan is one of the simpler solutions here, as they have a robust Family Sharing feature that we’ve highlighted before. There are a few drawbacks, such as you likely don’t want to make the family pool too large, as points are drawn from everyone’s account, even if it’s only 1 person in the group traveling. 

Check out the full guide to Aeroplan family sharing for the finer details.

Flying Blue Air France/KLM

Flying Blue’s family sharing program has a bit of nuance to it, so I’d recommend giving our guide a read to make sure you have a good understanding before engaging in this feature.

If you’re new to Flying Blue, see our Flying Blue loyalty guide or listen to our podcast episode on Flying Blue for what you need to know.

Delta SkyMiles

Delta doesn’t allow you to combine miles in any cost-efficient way. However, their phone reps are more than happy to link separate bookings together. In this case, you’d make bookings individually, and then call Delta to link them together. The benefit there, of course, is that any schedule changes or delays would be dealt with as a group, rather than splitting you up.

Marriott Bonvoy

Marriott allows you to send 100,000 Bonvoy points total to accounts each calendar year. Meaning if you send 50,000 points to your spouse, you could then only send 50,000 points to your cousin. However, one account can receive up to 500,000 points, so if everyone has a bunch of points they want you to redeem, it’s quite easy to combine. 

In my house, I have the Marriott status, so if my wife collects any points during the year, we’ll make sure they’re sent to me in mid-December each year. It’s important to remember that this is done by calendar year, so if you’re trying to acquire large sums of points in one account quickly, you’ll want to receive one sign-up bonus in December and time the other sign-up bonus or point transfer to arrive in January. 

Here’s the direct link to send Marriott points from one member to another. 

Accor Live Limitless

Accor Live Limitless, or ALL, does allow point transfers, but you have to spend some money in order to unlock the feature and wait 4 months after you’ve parted ways with your cash! 

Any member who buys a Signature Explorer or Absolute subscription is allowed to transfer points to as many as 15 other members, but only 30 times per year, and only after you’ve had the subscription for 4 months, and you maintain the subscription at the time you’re trying to send points to another member. That’s a lot of requirements!

However, I do believe there’s value in the ALL Signature program, as you’re essentially purchasing points at a discount, and points are a fixed value of 2 Euro cents each. If you’re going to stay at Accor properties anyway, it might as well be a discount. Combine that with the fact that Signature subscribers have an opportunity to acquire Platinum status after spending only 800 Euros on Accor properties if you stay at full reward brands, and it becomes an intriguing subscription. 

Look for more content on the ALL Signature program coming up on Frugal Flyer now that you can transfer Canadian Membership Rewards to the program 2:1.

Hilton Honors

We at Frugal Flyer rarely say to “never” do something, but transferring your Amex Membership Rewards to Hilton is something you should never ever do. For more detail, listen to our episode on how to use 100,000 Amex Membership Rewards points, where we get specific.

That being said, if you have US Membership Rewards, or if you’ve taken part in any Hilton Grand Vacations presentation offers, it’s very easy to combine Hilton points, and it’s usually instant.

Members can transfer up to 500,000 Hilton Honors points to another member per calendar year, in increments of 1,000. The transfer can be initiated here. 

Unique RBC Transfer Partners

American Airlines AAdvantage

American Airlines AAdvantage does not have traditional points pooling; rather, they charge a fee of $5 for every 1,000 points you want to move to another member’s account. This breaks down to ½ a USD cent each to move points, which can quickly eat into the value. That being said, AA points can be extremely valuable, so it could still be worth it. 

I’ve only done this to combine two people’s small balances in order to make a redemption for one person that wouldn’t have been possible without combining, so the cost was relatively small. 

Here’s the link to initiate a transfer.

WestJet Rewards

WestJet does allow you to combine points, but they charge a $50-$59 fee for doing so. 

That being said, I don’t know why you would ever need or want to do this, as WestJet points can be redeemed for anyone, and they’re a fixed value of 1 cent per point or less. Perhaps if you wanted to make one booking rather than two, but the more instances the $50 fee occurs, the less value your points provide. Also, the process is a bit clunky, as you need to call in to do the process, rather than using a simple online tool.

Hopefully the phone rep who picks up your call knows what they’re doing, and there’s no major disruption going on that puts call center wait times over the 10-minute mark!

Shared American Express Canada & RBC Transfer Partners

British Airways Avios

British Airways is a tricky one, as in theory they have their own British Airways household sharing program, but that’s only applicable for flights you book with British Airways Avios. If you’re new to the Avios ecosystem, be prepared for a steep learning curve as it’s unique within the airline loyalty space.

We dedicated an entire Miles Ahead podcast episode to the Avios program, so if you want a fast track, we highly recommend giving it a listen. You can do crazy stuff like transferring points between airlines, and each one has its own award chart, creating sweet spots within the Avios ecosystem.

Now that you understand why you might want to make large redemptions outside of British Airways Avios, let’s talk about how to do that.

The default option you may find online is to pay $50 USD to transfer up to 60,000 Avios to another user’s BA account, but that’s expensive, and Finnair offers a simpler, less expensive solution. 

If you’ve had a Finnair account for at least 90 days, you can send as many Avios as you want to any other member, and it only costs 10 euros! Here’s a direct link.

What will likely stop most people is that they don’t have a Finnair account that’s 90 days old. This goes back to my guide on the most common mistakes that new points and miles enthusiasts make, and the fact that you’ll want to open and age all of your loyalty accounts. To be fair, it’s an easy mistake to make. I’ve been in points and miles for 5 years now, and my wife just got an Iberia account a few months ago!

One of the interesting pieces of advice I’ve heard at points and miles meetups is creating a “travel” email address for all of your frequent flyer accounts so your main email doesn’t get clogged with advertising emails, and I have to say I wish I did that!

If you take anything away from this post, it’s that everyone in your points and miles eco-sphere should create a Finnair account immediately. Using this transfer tool will allow you to trade points currencies with friends and family much more easily, or make your life easier when making a big redemption all on one booking. 

Lastly, this is a great way to get Avios into one account and circumvent Qatar’s confusing redemption rules introduced in mid-2026. 

Cathay Pacific Asia Miles

Cathay Pacific sadly does not allow any free combination of miles, and they charge an absurd amount of money to transfer to other users. When my parents needed to fly home from Hong Kong but didn’t have 240,000 Amex points in one account, I simply had them make separate bookings. 

Conclusion

For many redemptions, it’s quite easy to combine frequent flyer miles or combine hotel loyalty program points and redeem, but there are a few outliers like Cathay Pacific and Delta where separate bookings are the way to go. Hopefully this summary makes your next group redemption a little bit smoother, and remember, anyone in your points “sphere of influence” needs a British Airways and Finnair account!