Using your card

To get all the facts about using your card and making payments in other countries, have a look at our travelling abroad page.

You can use your credit card to take cash out at over 1 million ATMs across the world - just look out for the Mastercard or Visa logos.

There's likely to be a limit on the amount you can withdraw each day from an ATM. This limit may be set by the provider of any cash withdrawal services. You can withdraw a larger amount over the counter at a bank if you need to - just bring your credit card and  photo ID (e.g. your passport or driving licence).

A cash transaction handling fee may apply and interest will be charged at the rate advised on your statement. You can check your latest statement or your account terms and conditions for details.

It's important to know that a handling fee is charged for this and some other transactions.

Types of cash transactions:

• Using your available credit to obtain cash (e.g. at an ATM or at an over-the-counter service). 
• Gambling transactions, using your card to make transactions at casinos, betting outlets and bookmakers, and buying online lottery tickets or gaming chips, share trading or spread betting.
• Buying foreign currency.
• Sending money orders or wire transfers (other than balance transfers or money transfers).
• Buying coins, banknotes or digital currency.
• Paying government or court fines, enforcement penalties, fees or costs.
• Online trading such as share dealing or investments.
• Purchasing or topping up electronic money, payment cards, mobile wallets or account dashboard services.

Contactless is an easy way to make payments of up to £100, usually without entering your PIN. If you don’t want a £100 contactless payment limit, you can change it MBNA Mobile App.

Have a read of our contactless and mobile payments page to find out how secure it is, and how it works.

The Card Verification Code (or CVC) is your credit card's unique security code. It's sometimes referred to as the CV2, CVVC or security code.

For Visa and Mastercard, it's the last three digits on the signature strip on the back of your card.

If you’re registered for Online Services, you can also view your card details in our app.

We know how frustrating it can be to get your card declined. That’s why we’ve put together this page, so you can see all the possible reasons. 

Your card hasn’t been activated

If you’re using a credit card, double check that it’s been activated and follow the instructions on the sticker if it hasn’t. 

You have a card freeze in place

This is when you have applied a temporary card freeze on our app or by calling us. If you’re registered on the app, please check to see if you’ve applied a card freeze, or you can call us on 03456 062 062 . Lines are open 8am – 8pm, seven days a week.
Not all Telephone Banking services are available 24 hours a day, seven days a week.

You’ve reached your agreed credit limit

That’s the total amount of money you can borrow on your credit card at any one time. You may have reached it, or your transaction may have taken you over it. You can learn more about your credit limit on our website, app or by calling us on 03456 062 062. Lines are open 8am – 8pm, seven days a week.
Not all Telephone Banking services are available 24 hours a day, seven days a week.

Your card has expired

Double check the expiry date. We’ll send you a new card before the last week of your expiry month. If you haven’t received it, please give us a call on the number below. 

You’ve reached your daily cash machine withdrawal limit

We set a daily withdrawal limit of £500 and you may have reached it. It’s also worth knowing that other lenders and cash machine operators can set their own limits as well. 

If your card was declined while paying for something online or over the phone, it could be because of these reasons:

Your name and address don’t match our records

It’s worth checking that your name and address details match our records. If you need to update any details, you can find out how to do it on our updating your details page.

Wrong CVV number

This is the 3 digit number on the back of your card. You’ll always be asked for it if you pay for something online or over the phone. Double check that you’ve entered it correctly. 

If none of those answers have helped you, please get in touch: 

03456 062 062 (or +44 1244 659 005 from outside the UK). Lines are open 8am – 8pm, seven days a week.
Not all Telephone Banking services are available 24 hours a day, seven days a week.