Paying your account

Different rates of interest could apply to different parts of your balance, and whether the standard variable rate or a promotional rate applies. 

What’s your standard variable rate?

Your standard variable rate is the rate of interest you pay when you have no promotional offers in place. It’s also the rate you’d go back to paying after a promotional rate ends. You can find your current standard variable rates on your monthly statement.

Find out more about interest rates

What’s a promotional rate?

Promotional rates are offered for a fixed period of time. For example, a 0% offer rate or a rate lower than your standard interest rate.

Find our more promotional interest rates

You can check the rates that apply to your account balance on your latest credit card statement. You can view your latest statement using Online Services, the MBNA Mobile App, or on your latest printed statement if you receive them. 

You can change your payment due date to better suit your needs, for example, if you usually receive your salary later than your due date falls.
The fastest way to request a change to your Payment Due Date is using the MBNA Mobile App, or Online Services on a laptop or desktop computer: log on or register to get started.

MBNA Mobile App

✓ From your credit card account summary select the 3 dots
✓ Scroll to Manage Account
✓ Select Change payment due date to begin

Online Services

✓ From your credit card account summary, select ‘More actions’.
✓ Select ‘Paying your credit card’.
✓ Select 'Request change to payment due date'.
Follow the instructions to complete the online form.

Good to know: 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.

More on credit card payments.

You can cancel your Direct Debit using Online Services on a laptop or desktop computer:

• log in or register.
• select ‘Pay credit card’
• choose ‘Change or cancel Direct Debit’.

Follow the instructions to cancel your Direct Debit.

You can’t currently change or cancel your Direct Debit using the MBNA Mobile App, but you can make changes over the phone if you prefer.

Please call us to speak to an adviser.

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. 

More on credit card payments.

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.

We apply payments to the part of your balance with the highest interest rate first. If your payment doesn’t pay off the full balance, we’ll allocate it in this order:

1. Any overdue amounts from previous statements.
2. The minimum payment for that month.
3. The rest of the balance from your latest statement.
4. Any amounts that haven’t been included in your statement yet.​

Please note: If you’re in persistent debt, we may apply your payments differently. 

What about different balance types with the same interest rate?

If your balances aren’t on introductory or promotional offers, but have the same interest rate, we’ll usually pay them in this order:​

1. Cash transactions, plus interest, fees and charges.
2. Purchases, plus interest, fees and charges.
3. Balance transfers and money transfers, plus interest, fees and charges.
4. Default fees.

What about multiple offers of the same interest rate and the same balance type?

Your payments will usually pay off the oldest balance first. However, if your balances are on introductory or promotional offers, and have the same interest rate, we’ll use your payments to pay off the offer that ends first. Next, they’ll pay off any fees, charges or payment protection insurance.

So, it’s always worth checking the ‘Breakdown of your balance’ section on your monthly statement to make sure you know which balances your payments will be going towards.

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

Log in or register for Online 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 Mobile App.

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

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.

If you’re having trouble keeping up with your minimum payments, check out our money worries page.

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.

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

Just so you know, we’ll always claim at least the minimum payment, even if you set a lower amount.

For more information, visit our minimum payments page.

If you’re registered for Online 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 Mobile App.

If you’re not registered for Online Services or the app, you can call us.

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.

If you have a UK bank account or debit card, you should still be able to make payment online or by phone from outside the UK. 

Check out our making a payments page for more details.

If not, most overseas banks should be able to arrange a BIC or SWIFT payment to us. Processing times can vary, so check with the overseas bank when you request your payment.

You’ll need these details:

IBAN: GB38LOYD30675699067997
BIC/SWIFT: LOYDGB21705
Reference: your 16-digit credit card number

We do not have a limit on how much you can pay by debit card up to the balance on your last statement, but your debit card issuer might. It's worth checking with them before you make a payment. 

Just so you know:
- if you have a Direct Debit set up and you make additional payments we may still collect your Direct Debit in full.
- You can only make one debit card payment to your account per day. 

Find out everything you need to know about paying by debit card or the other methods of making a payment to your account on our making payments page.

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

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.

Sort code: 77-29-00

Account number: 0000 0000

Reference: your 16-digit card number

Learn more about making payments.

You can't change the payment due date on your current statement, but you can change future dates, to better suit your needs. For example, if you usually receive your salary later than your due date falls. You can request a payment due date change up to 2 times in any 12 month period.

The fastest way to request a change to your Payment Due Date is using Online Services on a laptop or desktop computer: log on or register to get started. 
✓ From your credit card account summary, select ‘More actions’.
✓ Select ‘Paying your credit card’.
✓ Select ‘Request change to payment due date'.
✓ Follow the instructions to complete the online form. 

If you’re not registered for Online Services, you can call us.

You can’t currently change your payment due date using the MBNA Mobile App. 

Log in or Register.

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 money worries page.