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Changes to shopping and using your cards online

Make sure you’re ready

Soon all financial service providers will be adding extra security checks. If you shop online or use Online Card Services, this will affect you.

These checks will happen when you:

  • Shop online
  • Log in to Online Card Services
  • Add a new payee

If you do any of these things, you may notice an extra step in security. This is because you’ll need to use two different ways of proving who you are. Your password and memorable information count as one way. The other way could be using your MBNA Card Services App, getting a passcode sent to your mobile, or us calling your landline.

It’s important that you’re ready for these extra steps. You might not be able to make your purchase or log in if you’re not prepared.

How do I prepare?

To make sure you’re ready for the extra security checks, there are a few things you can do:

  1. Check and update your phone number so we’re able to text a passcode to your mobile or call your landline.
  2. When prompted, you can trust your device. Trusting your private and secure computer, laptop, tablet or mobile means we’ll know it’s you logging in.
  3. Download our Card Services app to be able to quickly and securely confirm it’s you.

It’s very important that we have your number. You can find out how to update your telephone number online. You can also contact us.

View more FAQs

Changes to shopping online

When checking out purchases over a certain amount, you’ll notice the extra security during payment. The payment screen will ask you to verify yourself. You can do this through your:
 
  • App: Use the app to verify your purchase.
  • Mobile: We’ll text a passcode to your mobile phone, which you then enter on the payment screen.
  • Landline: This will be an automated call to your landline, asking you to say a code which comes up on the payment screen.

 

Changes to Online Card Services

When using Online Card Services, you’ll notice the extra security during log in. The screen will ask you to verify yourself. You can do this through your:
 
  • Device: If you regularly use your computer, laptop, tablet or mobile for Online Card Services, you can trust it. This helps us know it’s you logging in and not someone else.
  • App: Use the app to verify your log in.
  • Mobile: We’ll text a passcode to your mobile phone, which you then enter on the log in screen.
  • LandlineThis will be an automated call to your landline, asking you to say a code which comes up on the log in screen.

Be aware of fraud

Fraudsters may contact you pretending to be us. They do this to trick you into sharing your details and they're good at making them look real.

  • We'd never ask you to send us any person or account details by email or text message.
  • You should only share account details if you're logged in or you've called us. We'd never ask for your full memorable information.
  • Don't assume letters, phone calls, emails or text messages are genuine, even if they seem to known information about you.

Check out our security page to find out more about keeping your card and account details safe.

 

Frequently asked questions

  • From 14 September 2019, a new EU regulation means that all credit card providers need to provide an extra layer of security for their customers. It’s called ‘Strong Customer Authentication’. For you, it means more protection when you’re shopping and managing your card online. It will involve extra checks to prove it’s really you. This will help keep you safer from online fraud.

  • An extra layer of security makes it harder for fraudsters to target your online accounts. All credit card providers will have to provide these extra checks.

  • Most people use passwords as way of proving it’s them. Sadly, passwords can be guessed or stolen by fraudsters. So we’re adding a second layer of security to check it’s really you, and make it harder for anyone else to. There are three ways you can verify yourself:

    1. “Something you know”–this is a piece of secret information that only you know, like your password.
    2. “Something you have” –this is a device you own, like your mobile phone or card reader.
    3. “Something you are” –this is something that is unique to you, like your fingerprint.

    You’ll need to provide two of these three ways to verify it’s you. This is called ‘two-factor authentication’.

  • To make sure you’re ready for the extra security checks, there are a few things you can do: 

    1. Check and update your phone number. We need your number to text a passcode to your mobile, or call your landline. You can do this by logging in to Online Card Services or by calling us. 
    2. When prompted, you can trust your device. Trusting your private and secure computer, laptop, tablet or mobile means we’ll know it’s you who’s logging in. 
    3. Download our Card Services app. This already uses extra security checks and is one of the fastest and most secure ways you can confirm it’s really you.
  • No. Apart from texting passcodes to your mobile or calling your landline to verify yourself, we’ll only ever use your number for what you’ve already given us permission to. This includes things like your marketing preferences and mobile alerts.

It’s very important that we have your telephone number. Find out how to update your telephone number online or call us.

MBNA Card Services App

Download the MBNA Card Services App from your preferred store:

Important legal information. We don't charge you to use our mobile services but your mobile operator may charge you for certain services (such as downloading or using the app), so please check with them. Services may be affected by phone signal and functionality. Terms and conditions apply. Apple, the Apple logo, Touch ID and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google LLC. Mobile alerts are sent throughout the day, 7 days a week including bank holidays.