2. Using card freezes

  • This stops your card being used in physical terminals and ATMs outside of the UK -including digital wallets such as Apple Pay and Google Pay.

    It does not stop:

    • Transactions where merchants don’t request prior authorisation e.g. some contactless payments

    Please note: Card Freezes depend on how and when payments are processed. Some payments are processed instantly and others, like some public transport services or online merchants, are processed later. If you turn on your Card Freeze before the payment is processed, the transaction may be stopped.

    We also rely on transactions being categorised correctly. In the rare case that this doesn’t happen, we can’t always stop the transaction through Card Freezes.

    If you don’t recognise a transaction, please call us on 03456 062 062Call 03456 062 062 (or +44 1244 659 005Call 0044 1244 659 005 from outside the UK).

  • This stops transactions where your card isn’t there when you pay. For example, online, in-app, phone and mail order payments. It includes digital wallets such as Apple Pay and Google Pay.

    It does not stop:

    • Anything the merchant considers to be a recurring transaction 
    • Transactions where merchants don’t request prior authorisation e.g. some contactless payments

    Please note: Card Freezes depend on how and when payments are processed. Some payments are processed instantly and others, like some public transport services or online merchants, are processed later. If you turn on your Card Freeze before the payment is processed, the transaction may be stopped.

    We also rely on transactions being categorised correctly. In the rare case that this doesn’t happen, we can’t always stop the transaction through Card Freezes.

    If you don’t recognise a transaction, please call us on 03456 062 062Call 03456 062 062 (or +44 1244 659 005Call 0044 1244 659 005 from outside the UK).

     

  • This stops transactions where your card is there when you pay, such as at tills and terminals worldwide –including digital wallets such as Apple Pay and Google Pay.

    It does not stop:

    • ATM withdrawals 
    • Transactions where merchants don’t request prior authorisation e.g. some contactless payments

    Please note: Card Freezes depend on how and when payments are processed. Some payments are processed instantly and others, like some public transport services or online merchants, are processed later. If you turn on your Card Freeze before the payment is processed, the transaction may be stopped.

    We also rely on transactions being categorised correctly. In the rare case that this doesn’t happen, we can’t always stop the transaction through Card Freezes.

    If you don’t recognise a transaction, please call us on 03456 062 062Call 03456 062 062 (or +44 1244 659 005Call 0044 1244 659 005 from outside the UK).

  • This stops ATM withdrawals worldwide.

    It does not stop:

    • Other ATM activities e.g. PIN services
  • This stops most credit card transactions but there are some exceptions.

    It does not stop:

    • Balance transfers and money transfers 
    • Payments into your account e.g. refunds 
    • Recurring transactions. Your card can still be used for recurring payments such as household bills 
    • Transactions where merchants don’t request prior authorisation e.g. some contactless payments
  • Every time you pay for something with your card, we know the type of merchant you’ve paid by the code they use to identify themselves.

    When your freeze is turned on, we’ll block any transaction attempted with those who identify themselves as gambling merchants.

    If the transaction doesn’t appear to have been made at a gambling merchant, or the merchant hasn’t authorised it with us first, then we won’t be able to stop it –even if you believe it to be gambling related.

    Payments made in to your account, like winnings, withdrawals or refunds, will not be affected and will still go through.

    How do I turn it off?

    To turn this off, just tap the ‘Remove freeze’ button in the MBNA Card Services App. You won’t need to call us.

    Once you’ve done this, we’ll remove the freeze after 48 hours to give you time to change your mind –and your ‘Freeze gambling’ status will change to ‘OFF’.


3. Issues and queries

 

Important legal information. We don't charge you to use our mobile services but your mobile operator may charge you for certain services (such as downloading or using the app), so please check with them. Services may be affected by phone signal and functionality. Terms and conditions apply. Apple, the Apple logo, Touch ID and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google LLC. Mobile alerts are sent throughout the day, 7 days a week including bank holidays. This is a free service for all eligible MBNA customers.