Managing your account
Read answers to frequently asked questions, including how to change your address or close your account.
Alternatively, write to:
Credit Card Operations
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 Card 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 will give you 30 days’ notice before any change will take effect. Should you want to decline the change, call 03456 062 062. Lines are open 8am-10pm Monday -Friday and 8am-6pm Saturday and Sunday. Standard network charges may apply.
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 request a PIN reminder online or by calling us... it’ll be sent to you by post in 3-5 working days.
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 Card Services, or call us on 03456 062 062 (+44 1244 659 005 from outside the UK). Lines are open 7am-11pm every day. Standard network charges may apply.
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
Your terms and conditions are included in the credit agreement we originally sent to you. If you need another copy, give us a call on 03456 062 062 (or +44 1244 659 005 from outside the UK). Lines are open 7am-11pm every day. Standard network charges may apply.
- You don’t need to activate replacement cards - if there’s no sticker on the front, there’s nothing you need to do.
- However, any credit card details you've added to a mobile device, and regular payments and subscriptions, need to be updated with the new card number.
You can request a new card using Online Card Services, or by giving us a call on 03456 062 062. Standard network charges may apply. If you're over your account limit or have missed a payment, this option might not be available.
Yes, you can add all of your MBNA credit cards to your Online Card 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.
Log in or register for Online Card Services to manage your account online.
You can do all the most important account stuff using the MBNA Card Services App or on your smartphone’s browser. Check out our mobile services page for all the details.
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 on: 03456 062 062. Standard network charges may apply.
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 Card Services – we’ll send you an email to let you know if you’ve got one. You can update your contact preferences online too.