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The MBNA 5 Credit Card

Long-term low interest

  • 4.9% p.a. on card purchases for up to 5 years from account opening. Offer only applies to card purchases made in the first 60 days. When this offer comes to an end and for card purchases made after the first 60 days, a standard rate of 8.9% p.a. applies.
  • 4.9% p.a. on balance and money transfers for up to 5 years from account opening (0.5% handling fee). Offer only applies to balance transfers and money transfers made in the first 60 days. When these offers come to an end and for transfers made after the first 60 days, a standard rate of 8.9% p.a. applies (0.5% handling fee).
  • Long-term low interest rate on purchases, balance transfers and money transfers great for managing your monthly budget. To get the promotional rate you need to make your transactions within the first 60 days. In order to repay before the promotional period ends it’s sensible to set up regular payments of more than the minimum amount, or it could cost you more and take you longer to repay your balance.
  • Check your eligibility before you apply Eligibility for this credit card depends on your circumstances and the results of the eligibility check, please refer to the full eligibility criteria at the bottom of the page, for example Students are not eligible to apply. The APR, credit limit and terms of the offer you get may differ based on your circumstances.
    As well as our usual criteria, to qualify for this card you need an annual income of £20,000 or more.
  • 4.9% p.a. on card purchases for up to 5 years from account opening. Offer only applies to card purchases made in the first 60 days. When this offer comes to an end and for card purchases made after the first 60 days, a standard rate of 8.9% p.a. applies.
  • 4.9% p.a. on balance and money transfers for up to 5 years from account opening (0.5% handling fee). Offer ony applies to balance transfers and money transfers made in the first 60 days. When these offers come to an end and for transfers made after the first 60 days, a standard rate of 8.9% p.a. applies (0.5% handling fee).
  • Long-term low interest rate on purchases, balance transfers and money transfers great for managing your monthly budget. To get the promotional rate you need to make your transactions within the first 60 days. In order to repay before the promotional period ends it’s sensible to set up regular payments of more than the minimum amount, or it could cost you more and take you longer to repay your balance.
     
    The APR, fees and duration of the offer shown may vary depending on the next stage of the eligibility process.
  • 4.9% p.a. on card purchases for up to 5 years from account opening. Offer only applies to card purchases made in the first 60 days. When this offer comes to an end and for card purchases made after the first 60 days, a standard rate of 8.9% p.a. applies.
  • 4.9% p.a. on balance and money transfers for up to 5 years from account opening (0.5% handling fee). Offer only applies to balance transfers and money transfers made in the first 60 days. When these offers come to an end and for transfers made after the first 60 days, a standard rate of 8.9% p.a. applies (0.5% handling fee).
  • Long-term low interest rate on purchases, balance transfers and money transfers great for managing your monthly budget. To get the promotional rate you need to make your transactions within the first 60 days. In order to repay before the promotional period ends it’s sensible to set up regular payments of more than the minimum amount, or it could cost you more and take you longer to repay your balance.
     
    You’ll get the offer shown, providing you don’t change your details, and subject to fraud, anti-money laundering and bankruptcy checks.

All standard interest rates and handling fees are variable, so may differ from those shown after your offer ends.

Representative example:
8.9% p.a. (variable)
on card purchases
This is equivalent to
8.9%APR
representative (variable)
Based on a
£1,200
credit limit
Check eligibility

Product details may differ subject to eligibility check

Remember to stay within your limit and to make your monthly payments on time, otherwise you’d lose the promotional offers on your account and pay the standard interest rate instead.*

MBNA 5 Calculator

How much are you looking to transfer?

£
?
Your actual credit limit will vary depending on your individual circumstances.

How much are you looking to pay each month?

£
?
You must make at least the minimum payment on any balance outstanding. This calculator will not allow you to go below the minimum payment. The minimum payment will be the greater of £25 or 1% of the balance on your statement before any default charges, card fees and interest (to which we will then add an amount equal to any default charges, card fees and interest).

Interest rate:

Your balance should be paid off in:

5years

Total cost:

£4749.69 This is the amount borrowed including handling fees and interest.

Handling fee:

£21 Applies to balance and money transfers.

Calculator is for illustrative purposes only and assumes:

  • You make a transfer at account opening and don’t make any further transfers or purchases
  • Your first payment is made in month 1
  • You pay the same amount each month of at least the minimum repayment, on time and stay within your credit limit
  • You are eligible for the offer shown above, including rate, and your credit limit is sufficient for the transfer you want to make
Other benefits
The MBNA 5 Credit Card
Other benefits

Contactless and mobile payments

Make fast and secure payments using a card, or a range of mobile devices, usually without entering your PIN.

UK call centres

Wherever you are, we’re just a phone call away.

Banking on the go

Manage your MBNA 5 Credit Card using our range of online and mobile services.

24 hour fraud support

You will not be liable for fraudulent transactions online or on the high street (including contactless transactions). Please tell us as soon as you notice any unusual transactions or you can’t find your card.

Paperless statements

We’ll let you know by email when there’s a new statement to view online.

Add cardholders

Add up to 3 additional cardholders − they’ll each receive a credit card and PIN.1

Easy payments

We offer a range of payment options, including Direct Debit.

No annual fee

We don’t charge you an annual fee for having an MBNA 5 Credit Card.

Useful information

Eligibility criteria

  • You’re a UK resident.
  • You’re aged 18 or over.
  • You’ve had a permanent UK address for 3 years or more.
  • You have a good credit rating/history.
  • You’re not unemployed or a student.

You’ll need to provide

  • Your address history for at least 3 years.
  • Contact details, including an email address.
  • Employment and salary information.
  • UK bank account details.

Eligibility check

Find out if you are eligible before applying for this card. As part of our eligibility check a quotation search will be carried out which won’t show up on your credit record as a full search, so it won’t affect your credit rating.

What do you know about MBNA?

Based in the UK since 1993.

Moneyfacts Consumer Credit Card Provider of the Year for 4 years running.2

We’re credit card experts for our customers.

1 Any additional cardholder(s) must be over 18 years of age, reside at the same primary address, and have a relationship of close family member (defined as; spouse, child, parent, sibling or domestic partner). Please note additional cardholder(s) will have access to your account information including transaction details.

2 Moneyfacts Consumer Credit Card Provider of the Year 2014, 2015, 2016 and 2017.

3 Transferring other more expensive debts to this card and paying only the minimum amount due each month may lower your overall monthly debt repayments, but it may take you longer and cost you more to repay what you owe. Other lenders may charge a fee for settling a loan early.

Important: if you plan to pay your balance in full every month to avoid interest on card purchases, please consider whether making a transfer is right for you. Card purchases will only remain interest free if you pay the whole balance (including the amount of any transfer) in full every month, or if you have a 0% promotional rate on all card purchases, otherwise interest will be payable.

* Promotional offers will no longer apply from the beginning of any statement period during which you have breached your terms and conditions, for example if you haven’t paid on time or have gone over your credit limit. You cannot transfer balances between MBNA accounts.

The MBNA 5 Credit Card is issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services. Credit is available, subject to status, only to UK residents aged 18 or over.

Calls and online sessions (e.g. completing an application) may be monitored and/or recorded for quality evaluation, training purposes and to ensure compliance with laws and regulations.