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      • Paying your account

      Paying your account

      Read answers to frequently asked questions, including information about Direct Debit and other payment options.

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      • How do you calculate my minimum payments? expandable section

        You’ll find detailed information about how we calculate payments on our minimum payments page.

      • How do I make a payment? expandable section

        There are lots of different ways to make payments to your account. Some are faster than others, so make sure your payment will clear in time for your due date.

        Take a look at our making payments page to find out how to pay by debit card, Direct Debit and more.

      • Can I change my payment due date or the date my statement is produced? expandable section

        You can change your payment due date up to 2 times in any 12 month period, but you’ll need to get in touch to discuss your options. Call us 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.

      • Where can I find out when my next payment's due? expandable section

        You can find out when your next payment is due in a few ways:

        Log in or register for Online Card Services to see a general account summary.

        Alternatively, refer to your latest statement. If your account is set up with paperless statements, you’ll need to log in or register to view them online.

        You can also check this information when you’re out and about using the MBNA Card Services App.

      • How do I cancel my Direct Debit? expandable section

        If you’re registered for Online Card Services, simply log in to cancel your Direct Debit online.

        Alternatively, call us on 03456 062 062 (or +44 1244 659005 from outside the UK). Lines are open 7am-11pm every day. Standard network charges may apply.

        You can also contact your bank to cancel your Direct Debit, but we’d suggest letting us know too – that way everyone knows what’s happening.

        Important: if you cancel your Direct Debit payment within 3 working days of your payment due date, your changes won’t apply until the following statement is produced and we’ll claim the payment as normal.

        If you cancel your Direct Debit, you’ll still need to make at least the minimum payment on your account using another payment method – check out our payments page for more options.

      • What are your bank details? expandable section

        Sort code: 77-29-00

        Account number: 0000 0000

        Reference: your 16-digit card number

        Learn more about making payments.

      • Can I change the date of this month's payment? expandable section

        You can't change the payment due date on your current statement, but you can change future dates up to 2 times in any 12 month period. Please get in touch to discuss your options by calling 03456 062 062 (or +44 1244 659 005 from outside the UK). Lines are open 7am-11pm every day. Standard network charges may apply.

      • If I make a payment before my statement is produced, will this cover my minimum payment? expandable section

        If you make a payment before your next statement arrives, it won't count towards your next minimum payment.

        If you’ve got a Direct Debit in place, we’ll still claim it when your next payment is due, unless you cancel your Direct Debit giving at least 3 working days’ notice. Of course if you do that, you’ll still need to make that month’s minimum payment using another method.

        If you make payments using another method, you’ll need to remember to make an additional payment covering at least the minimum payment before your next payment due date (as detailed on your statement).

        You can find all the details you need in our payments guide.

      • Can I change the minimum payment amount due? expandable section

        You can't change your minimum payment, as this is the lowest amount we need you to pay, although you can pay more if you want to. For more information on minimum payments and how they work, have a look at our minimum payments page. If you’re having trouble keeping up with your minimum payments, check out our experiencing difficulties page.

      • How do I make a payment from abroad? expandable section

        There are lots of different ways to make payments to your account. Some are faster than others, so make sure your payment will clear in time for your due date.

        Take a look at our making payments page to find out how to pay using a UK debit card, at an overseas bank and more.

        If you’re planning to use your credit card abroad, remember that fees and charges might apply - read our credit card travel guide for more information.

      • Is there a limit on how much I can pay by debit card? expandable section

        We don't set a limit for how much you can pay, but your debit card issuer might, so it's worth checking with them before you make a payment.

        Find out everything you need to know about paying by debit card on our making payments page.

      • What happens if I only make the minimum payment each month? expandable section

        If you only make the minimum payment each month, it'll take longer and cost you more to pay off your balance.

        For more information, visit our minimum payments page.

      • How can I check if my payment's gone through? expandable section

        If you’re registered for Online Card Services, simply log in to check your balance and recent transactions.

        You can also check this information when you’re out and about using the MBNA Card Services App.

        Or call us on 03456 062 062 (or +44 1244 659005 from outside the UK). Lines are open 7am-11pm every day. Standard network charges may apply.

        Some payment methods take longer than others, so you'll need to choose one that gets your payment to us on time. Remember, Saturday, Sunday and bank holidays aren't working days, so you might need to allow for extra time.

        Our making payments page has lots of information about how long each payment method takes.

      • Can I post-date a cheque? expandable section

        Sorry, but we can’t accept post-dated cheques.

        There are other ways to pay which are faster and can be simpler than cheques. Take a look at our making payments page to find out more.

      • If I pay off my balance before my promotional rate expires, will my transfer fee be reduced? expandable section

        No, any transfer fee you've been charged will not be reduced, even if you pay off your balance early.

       

      Credit cards: are issued by MBNA Limited. Registered Office: Cawley House, Chester Business Park, Chester CH4 9FB. 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 2017, Register Number: 204487 for the provision of payment services.

      Personal loans: for personal (unsecured) loans, MBNA Limited:

      • Works exclusively with Lloyds Bank plc.
      • Is a credit broker and not the lender.

      MBNA is a trading style of Lloyds Bank plc. Lloyds Bank plc Registered Office, 25 Gresham Street, London EC2V 7HN. Registered in England and Wales number 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Lloyds Bank plc adheres to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

      MBNA Limited and Lloyds Bank plc are both part of the Lloyds Banking Group. More information on the Group can be found at www.lloydsbankinggroup.com.

      The issue of a credit card or loan and the amount of credit or lending offered to you depends on an assessment of your personal circumstances. To apply, you must be a UK resident aged 18 and over.

      For credit cards and loans, the interest rate offered to you will also be based on this assessment.

      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. Not all telephone banking services are available 24 hours, 7 days a week. Please call us for more information.

       

       

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