Security and Protection
However and whenever you use your credit card or contact us, your security is our priority. Here are just some of the ways MBNA keeps your credit card details safe:
fraud protection as standard.
platform and website.
To protect you when shopping online
if you tell us as soon as you notice any unusual transactions or can’t find your card.
See how MBNA keeps you safe and find out how to use your credit card safely.
Shopping with confidence
- Fraud protection − we monitor your account 24 hours a day and will contact you if we notice unusual transactions, just to make sure you authorised them.
- Shopping online − we automatically enrol you for Verified by Visa™, MasterCard® SecureCode™ or American Express SafeKey®, which uses 3D Secure technology to give you an added layer of security when shopping online.
- Card features – your credit card is printed with a security code (CVV) and is protected with a PIN – both help us to verify the card is in your possession when you make transactions.
- Zero liability − you will not be liable for fraudulent transactions online or on the high street (including contactless transactions), providing you tell us as soon as you notice any unusual transactions or you can’t find your card.
Online Card Services
Our Online Card Services lets you manage your account securely thanks to its 128-bit encryption, self-select password and user name system.
When you log in to Online Card Services, look out for the padlock on your browser bar which shows you’re on a secure webpage. You’ll also see the site starts with https:// too. The ‘s’ stands for secure so no-one can access your account fraudulently. We also use the same technology when you make an application or contact us, and our website uses powerful anti-virus protection and firewalls to keep your information safe.
Even more protection...
We’re also members of CIFAS – the UK’s fraud protection service – which means we share information with over 270 members, and operate a zero fraud liability so you don’t have to pay for fraudulent use on your credit card as long as you tell us straightaway if you think you’ve been a victim of crime.
Protect yourself online
You need to know how to protect yourself online against fraudsters; they can attack you in lots of different ways, but there are lots of ways you can fight back and protect your information.
Helping you protect yourself
Looking after your credit card and making sure you use it safely, both on and off-line, are really important so your account details don’t get into the wrong hands.
Our Online Card Services and Mobile Card Services are secure ways for you to access and manage your credit card. But you still need to be careful when you’re online so you don’t become a victim of fraud or end up with a harmful virus on your system.
To make life easier, we’ve put together a few helpful pointers on how to recognise a genuine email from us, look after your credit card, and use Mobile Card Services safely.
Keep your software updated
Keeping your anti-virus software up to date can help stop counterfeit emails reaching your inbox or stop you clicking onto potentially harmful websites.
We've teamed up with online security experts, Trusteer, to bring you their Rapport security software. It works alongside your current anti-virus tools to give you comprehensive online protection - and better still it's free.
You can manage your MBNA account with your mobile phone through Mobile Card Services. But it’s important you know how to do this securely before you start.
Here’s how to keep your information safe when using a smartphone:
- Update your phone regularly as manufacturers often send security upgrades.
- Use auto-lock so no-one can access your details.
- Use secure Wi-Fi connections to surf the net. Your 3G or 4G uses encryption software for extra protection.
- Download additional mobile security software.
- Remember other users can see what you’re looking at when you’re connected to Bluetooth, so only use it when you have to.
Looking after your credit card
You should know where your card is at all times. Don’t let it out of your sight when using it in shops or restaurants and never leave it unattended. It only takes a few minutes for someone to make a copy.
Don’t ever disclose your PIN to anyone or give this number online or over the phone. It’s only ever for when you have to pay using a point of sale machine.
If you receive a replacement card for any reason, destroy your old one by cutting it up as small as you can so the account number can’t be read or the magnetic strip used. You should also shred receipts and any paperwork you don’t need to keep rather than just throwing them away.
Identifying an email from MBNA
Things to look out for:
- When we send you an email, we’ll only ever display the last four numbers of your account.
- We’ll always address you by your title and surname.
- If we need you to take action on something, we’ll ask you to log in to Online Card Services and do it from there. Occasionally, we might send you a link to a website for one of our trusted partner sites but you’ll never be expected to give any security details when visiting these.
We’ll never ask you for your PIN, log in or security details by email. If you get an email asking for any of these claiming to be from MBNA, forward it to firstname.lastname@example.org and delete it from your system. Never reply to it.
Fake or ‘phishing’ emails will often contain variations of our website address, such as www.mdna.co.uk, or will be full of spelling mistakes and grammatical errors. Sometimes they’ll threaten to close your account or add a charge if you don’t do what it says. If you’re unsure whether an email is really from us, please get in touch so we can confirm it with you.