Billing and Payments
- What is displayed on my credit card statement?
- How much should I pay each month?
- How do I make a payment to my MBNA account?
- My payment is not showing on my account–what should I do?
- What happens if I cannot make my payment?
- I do not recognise a transaction on my account.
- How do I cancel a purchase on my account?
- What is a temporary authorisation?
- Why have I received an overlimit fee charge?
- Why have I received a late fee charge?
- How is estimated interest calculated?
- What can I do if I experience Financial Difficulties?
Call Us Now
Personal Credit Cards
0800 062 062
Business Credit Cards
08000 922 955
All our phone numbers
What is displayed on my credit card statement?
Each month, we’ll send you a credit card statement (PDF) by either post or email. This statement displays
the details of your monthly account activity, the minimum payment you need to make that month and when you must make it. Check the details to see if they match your records and receipts. If you notice
anything that doesn’t make sense or looks out of the ordinary, call us immediately on 0800 062 062.
PDF format requires Adobe Reader.
How much should I pay each month?
Your statement shows the minimum you must pay that month, but you can pay more if you wish.
How do I make a payment to my MBNA account?
You can make payments online, by direct debit, by post, at a bank, or via telephone banking. Details are available in the Contact Us section of this website.
My payment is not showing on my account–what should I do?
Please allow 7 days for your payment to reach your account. If the payment has still not credited, check with your bank. If the payment has cleared your bank account but has not been credited to your credit card account, call us on 0800 783 3450, 9 a.m. to 6 p.m., Monday to Friday. Please have the following information ready: your bank sort code, your bank account number, the cheque number, the amount paid and the date the payment debited your bank account.
What happens if I cannot make my payment?
If you have simply overlooked a payment, you can make one now. Access our secured Online Banking service or call us as soon as possible on 0800 028 0690 to make a payment over the phone. If you are over your credit limit, make sure your payment covers any interest (you can find out what your estimated interest will be from your card statement). You may incur fees if you do not maintain your payments and keep your account up to date.
For future peace of mind and to avoid late fees, set up a direct debit on your account to pay the minimum payment due. Simply access our secured Online Banking service or contact us on 0800 028 0690 to set your direct debit up over the phone.
I do not recognise a transaction on my account.
If a transaction is showing on your statement that you believe is incorrect, please check if any authorised users on your account have carried out the transaction. Also, check the merchant details on Online Banking. Simply open the required statement and click on the Merchant Category Code link next to the transaction. Please note that companies may charge under a different name (e.g. their parent company). If you still do not recognise the transaction, our Billing Enquiries team is available 9 a.m. to 6 p.m., Monday to Friday on 0800 7833 944. Please notify us within 30 days of the statement date.
How do I cancel a purchase on my account?
As your credit card is a guaranteed method of payment, you will need to contact the merchant directly to cancel a transaction.
What is a temporary authorisation?
A temporary authorisation is a transaction that has been approved but not yet been officially posted to your account. The value of the transaction will have been deducted from your available credit limit. Normally, a temporary authorisation converts into an actual transaction. However, a temporary authorisation may expire if the merchant does not complete the transaction.
Why have I received an overlimit fee charge?
As detailed in our terms and conditions, we will charge a fee to cover our costs on each occasion that your account balance exceeds your credit limit. You can monitor your account balance at anytime through our secured Online Banking service.
Why have I received a late fee charge?
As detailed in our terms and conditions for your account, we may charge a fee each time at least the minimum payment has not been credited on to your account by the payment due date. We ask that you send this payment 5 working days before the due date so that a late charge is not incurred. Information regarding payment methods can be found on the reverse of your monthly statement. You can monitor your payments at anytime through our secured Online Banking service.
How is estimated interest calculated?
This is the interest you will be charged on your next statement if you pay the agreed minimum amount and this reaches us on the payment due date. It assumes that you make no transactions, incur no fees and there are no changes in your statement date or interest rate (except for the expiry of a promotional interest rate). It is calculated in accordance with section 2 of our terms and conditions for your account.