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Cookie policy

Cookies are small text files which are stored on your computer, tablet or mobile device when you visit some websites.

They enhance your browsing experience in various ways, which include remembering your preference settings, displaying relevant content and ensuring web pages function as intended.

We use cookies, web beacons and other similar technologies on our websites (, online application forms, Online Card Services & Mobile Card Services). In this policy, when we talk about cookies we also mean technologies that are similar or act in the same way. We don’t use all the cookies on all websites so where they only apply to specific sites we have included details below.


The main types of cookie

Session cookies:

These only last for the duration of your visit and are deleted when you close your browser. Session cookies are typically used to track your movements between pages and to remember information entered within that session – often aiding website functionality or security.

Persistent cookies:

These are not deleted when you close your browser and will be stored after your visit. Persistent cookies are typically used to store your preferences for future visits and to provide targeted advertising based on your browsing activities and interests. We may hold our persistent cookies for up to 12 months.

Please note: each of the categories below contains a combination of both session-based and persistent cookies. Cookies may include non-obvious personal information (e.g. information that does not include name, address, email address or telephone number). Cookies do not store your internet protocol address (IP address) but it may be passed through to third parties with the cookie by your browser. All information is encrypted for security.


The cookies we use

Essential cookies:

These cookies are essential to help you use our websites and features to their full potential. Essential cookies are not used to gather information about you for marketing or research purposes.

For example, essential cookies:

  • Support our online credit card application form (online application forms).
  • Help to keep your information secure ( e.g. by monitoring the device you log in from.
  • Help with log-in and fraud prevention (, Online Card Services & Mobile Card Services).
  • Help maintain user sessions.
  • Help maintain communication and route to servers.
  • Help remember your preferences.
  • Ensure our communications are transparent at all times.
  • Help prevent repeated showing of messages.
  • Help retain account branding information (Online Card Services & Mobile Card Services).
  • Provide additional servicing channels (online application forms & Online Card Services).

These cookies are utilised across, online application forms, Online Card Services and Mobile Card Services (unless specified otherwise).

Functional cookies:

These cookies collect details about your website activities, e.g. the pages you visited most often. We use this information to assess and improve our websites and monitor emails we send.

For example, functional cookies:

  • Provide us with analytics information including statistics about how customers use our websites.
  • Help us understand which browsers visitors use and the number of visitors to our websites.
  • Help us to identify service improvements.
  • Help us measure the effectiveness of targeted advertising campaigns (where you have consented to the use of targeting cookies).
  • Help us monitor activities being completed by third-party suppliers on our behalf.
  • Monitor activities on our websites for quality evaluation and training, including which web pages have been viewed.
  • Record activities, including any mouse movements on the page and key strokes (online application forms).
  • Assist with provision of third-party services such as those provided by Tealium, Google Doubleclick, Livechat/Touch Commerce, Sessioncam and Google Analytics.
  • Ensure we can switch off advertising messages (Online Card Services and Mobile Card Services).
  • Help maintain data across multiple pages within online application forms.
  • Enable pre-fill functionality (online application forms).

We use trusted third parties to help deliver these services including a web analytics service provided by Google Analytics on our websites. This service uses a third-party cookie set by Google Analytics to track and evaluate website usage such as pages visited, how long you stay on the website and web clicks so that they can compile reports for us.

These cookies are utilised across, online application forms, Online Card Services and Mobile Card Services (unless specified otherwise).

Service improvement cookies:

These cookies make our website easier to use by remembering choices you’ve made, e.g. visual display settings which make our website more accessible. They help us provide things like video content, or adverts about relevant products and services. We may also use them to test new page designs.

For example, service improvement cookies:

  • Help us to test different website designs, new pages and personalise content.

These cookies are utilised across and online application forms.

Targeting cookies:

These cookies are used to deliver advertisements more relevant to your personal interests, limit the number of times you see any particular advert and measure their effectiveness – this is also known as behavioural advertising. These cookies record your visit and website activities to be used for marketing purposes – information may be shared with third-party organisations, such as advertisers.

For example, targeting cookies:

  • Securely provide information, so advertisers can display more relevant content.
  • Help us to target our advertising to the right audience across multiple connected devices.
  • Assist with provision of third-party services such as those provided by Google Doubleclick, Quantcast, Bing, Infectious Media, Facebook and Yahoo.

We often enlist the expertise of trusted third parties to help us with this, for example third-party advertising networks and social media platforms which may serve you with targeted adverts while you are on third-party sites. Just be aware that third parties will have their own cookie and privacy policies and they may be different from ours, for example social media platforms may use information they hold about you in order to deliver adverts relevant to your interests or carry out other profiling using other data they hold. Please refer to their policies for details of how they use this information and how to opt out. Some third parties may give us information about you (such as sites you have visited) which we may use to provide you with more relevant advertising when you visit our site.

MBNA may use personal information we hold about you to select marketing offers that might be relevant to you. We may use third-party companies to execute these advertising programmes, to do this we may share mobile device and mobile location with third parties that display or arrange to display our advertisements in order to serve you with targeted adverts. We will only do this if you have consented.

These cookies are utilised across, online application forms, Online Card Services and Mobile Card Services.

To learn more:
Read about the Internet Advertising Bureau’s Online Behavioural Advertising Framework at:

To learn about privacy and behavioural advertising, visit:


Cookie settings

The first time you visit our website, you will receive a notification which presents you with the option to enable all cookies, or modify cookie settings. You can use this to control how cookies are placed on your computer or mobile device. You can also modify your cookie settings at any time by clicking here. In the unlikely event the link does not work, please reload or revisit this page and try again.

Cookie settings can also be controlled by changing your internet browser settings. You can also allow cookies from specific websites by making them ‘Trusted websites’.

You can delete existing cookies from your browser and if you completely disable cookies we won’t gather any further information, but we may still use information we’ve collected in the past.

If you would like to prevent data being used by Google Analytics you can download and install the Google Analytics opt-out browser add on from

Please note: if you use multiple internet browsers/computers/mobile devices, you’ll need to update your settings on each in order to disable cookies completely.

Important: restricting cookies could mean you experience difficulty when using some online services. As an example, you may not be able to complete our online application form, as it relies on cookies to deliver critical functionality.


External links

On our websites you may find links to external websites – these are provided for your convenience, but we don’t endorse, guarantee or monitor products, services, or views which they offer or express. Please be aware that these websites should be covered by their own cookie and privacy policies.


Want to know more?

To read a guide about cookies from the Interactive Advertising Bureau, visit:
To find out more about how your information is used by MBNA when you use MBNA’s websites please see our Privacy Notice.


Cookie policy changes

MBNA may change this cookie policy from time to time. When such a change is made, we will post a revised version online and you will receive a notification the next time you visit one of our websites.

This cookie policy was last reviewed in April 2018.

This cookie policy is published by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251.

If you need assistance, please contact us.