Your transfer guide
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How to request a transfer?
It's easy to request a balance or money transfer online - just log in or register for Online Card Services to get started, or use the MBNA Card Services App if you’ve downloaded it.
Anything else you need to know?
- The amount you can transfer depends on how much of your credit limit is available. You can transfer up to 93% of your available credit limit.
- Once your transfer request has been approved, the transfer should reach your account by the next working day. This may take longer if additional checks are required.
- You might be charged a transfer fee on any transfers you make (usually a percentage of the transfer value).
- Making a money transfer to your bank or building society account is an alternative way to pay for goods and services, but you won't have the protection provided by the Consumer Credit Act 1974 for credit card payments.
- If you pay your balance in full every month so you don't get charged interest on purchases, please consider whether making a transfer is right for you. Purchases only stay interest free if you pay the whole balance (including any transfers) in full every month.
- To remain eligible for a promotional rate you must make payments on time and stay within your credit limit, otherwise your standard rates will apply.
Requesting a credit limit increase
You can also request a credit limit increase1 using Online Card Services, The MBNA app, or by giving us a call.
If you apply online, we try to respond instantly. If approved, your new limit will be available to use immediately. If you request a credit
limit increase, this authorises us to search the files of any credit reference agency we need to help us make a decision.
Important: you can’t request an increase if you’re a new customer or you’ve increased your credit limit in the last 6 months.
We may not offer you credit limit increases if we are concerned about your ability to repay.
When deciding whether to accept an increase to your credit limit, you should think carefully about whether this is the right option for you.
You should consider the risk of taking on too much debt and how you will repay any amounts owed.