Managing your account

To close your account, you’ll need to give us a call or write to us on:

MBNA Limited
Credit Card Operations
BX1 1LT

If you intend to close an account for which you receive online statements, please ensure that you print copies for your records before you do so, as you’ll no longer be able to access your statements online once the account is closed.

Good to know

If you’ve got an outstanding balance, or any interest and/or fees to pay, your account will still show as active on your credit file until your balance is cleared. Once your balance is  zero, we'll let the credit reference agencies know your account is closed (if your account is in credit, ask us for a refund). They'll update your credit record, which usually takes around a month to complete.

You’ll find everything you need to know about this at the updating your details page.

You’ll find full details about activating your card at the activate your card page.

You can request a credit limit increase using Online Services, the MBNA app, or by giving us a call.

We require at least six months payment history on your account before you can request an increase of your credit limit. You can decrease your credit limit at any time after your card has been activated.

If you request a credit limit increase, this authorises us to search the files of any credit reference agency we need to help us make a decision. We may not offer you credit limit increases if we are concerned about your ability to repay.

When deciding whether to increase your credit limit, you should think carefully about whether this is the right option for you. You should consider the risk of taking on too much debt and how you will repay any amounts owed.

From time to time, we may write to you offering a credit limit increase. If this happens, we’ll give you 30 days’ notice before any change will take effect. Should you want to decline the change, please get in touch.

Give us a call to discuss this.

You can change or unlock your credit card PIN at any cash machine with the Link symbol. You can’t unlock your PIN abroad.

If you've forgotten your PIN, you can get an instant reminder in the MBNA app.

If you’d prefer a paper reminder, you can request one online or by calling us, it’ll be sent to you by post in 3-5 working days.

There may be several reasons why this has happened. Please get in touch to discuss in more detail.

You can also view your new card details in our app up to 60 days before the expiry date.

Yes, they'll each get their own card and PIN to use.

You can share your credit card account and credit limit with anyone aged 18 or over, subject to status. Handy if you’d like to keep track of expenses on one card. As the main cardholder, you'll be responsible for any spending and making monthly payments.

To add a cardholder, log in or register for Online Services, or call us.

New customers

When you submit an application to us, you'll have the option to read and download/print a copy of your terms and conditions. If your application is approved, you'll also get a copy through the post.

For existing customers

Give us a call to discuss this.

If you requested a replacement card due to damage, you don’t need to activate it. You can also continue to view your card details in our app.

If there is a problem with your credit card you can let us know online. It's simple, safe and secure.

Replacement cards and PIN reminders

Yes, you can add all of your MBNA credit cards to your Online Services profile, so you can see everything in one place, with one log in to remember.

You'll need the credit card you want to add, and we’ll ask you to confirm some personal details.

There are a few easy and secure ways to check your account.

Online

Log in or register for Online Services to manage your account online.

Mobile

You can do all the most important account stuff using the MBNA  Mobile App or on your smartphone’s browser. Check out our mobile services page for all the details.

Your statement

You'll find lots of information on your monthly statement... just remember it contains information for the past statement period and might not detail your current balance and most recent transactions. If your account is paperless, you’ll need to log in to view your statement online.

You can also find lots of information about your account in your credit card terms and conditions.

You need to live in the UK to open an account with us, but you can keep using your account if you move to another country. To find out more, give us a call.

If you're using your card for purchases or withdrawals while living abroad, get all the facts on our using your card abroad page.

Instead of getting certain updates about your credit card account through the post, you can now access them within Online Services – we’ll send you an email to let you know if you’ve got one. You can update your contact preferences online too.

You can't choose to upgrade your account, but we might occasionally offer you promotional offers on your existing credit card account. You can also look to swap your card or take out a second one.