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About MBNA

Read answers to frequently asked questions, including information about who MBNA is regulated by.

Who are you regulated by?

Credit card(s) are issued by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251.

MBNA is regulated by the following regulatory agencies and self-regulatory bodies.

Regulatory agencies
Financial Conduct Authority
MBNA Limited is authorised and regulated by the Financial Conduct Authority (FCA). MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, Register Number: 204487 for the provision of payment services.

The FCA regulate the financial services industry in the UK. Their main aim is to protect consumers, ensure the industry remains stable and promote healthy competition between financial services providers. The FCA have rule-making, investigative and enforcement powers that they use to protect and regulate the financial services industry.

MBNA is entered on the Financial Conduct Authority's register with Financial Conduct Authority Register Number 204487.

Information Commissioner's Office
The Information Commissioner's Office (ICO) is an independent official body. The Commissioner is responsible for administering the provisions of the Data Protection Act 1998 and the Freedom of Information Act 2000.

The ICO is set up to uphold information rights in the public interest, promoting openness by public bodies and data privacy for individuals.

MBNA must notify the Information Commissioner's Office of certain details about the processing of personal data through the Annual Registration process. MBNA are responsible for keeping the register entry up to date and accurate.

For further information visit:

OFCOM is the communications regulator. OFCOM operates under the Communications Act 2003.

For further information visit:

Payment Systems Regulator
The Payment Systems Regulator (PSR) was incorporated as a subsidiary of the FCA on 1 April 2014, and came into operation on 1 April 2015.

The PSR’s objectives are to promote innovation and effective competition in payment systems and the service they provide, and to ensure that payment systems are operated and developed in a way that takes account of, and promotes, the interests of service users.

Payment systems regulated by the PSR include card payment systems e.g. payments/transactions made using debit and credit cards, Faster Payments and cheques.

For further information visit:

Self-regulatory bodies:
Finance & Leasing Association
The Finance & Leasing Association (FLA) is a trade body for the asset, consumer and motor finance sectors in the UK, and the largest organisation of its kind in Europe. Its members include banks, subsidiaries of banks and building societies, the finance arms of leading retailers and manufacturing companies, and a range of independent firms.

MBNA Limited are full members of the FLA. All FLA members must comply with the standards specified in the FLA Lending Code, which sets out best practice in consumer lending. It is intended to provide assurance to customers that they may buy with confidence from members of the FLA. It contains key commitments about how customers should be dealt with through the whole product life cycle. This includes marketing and account opening journeys, through to how companies can help when something goes wrong; for example when someone is experiencing financial difficulties. The FLA member companies will meet the standards set out in the Code and the FLA monitors companies’ performance in doing so.

For further information visit: the Finance and Leasing Association.

To obtain a copy of the Code please click here. Alternatively please call 0800 062 062 or write to us at: MBNA Limited, P.O. Box 1004, Chester Business Park, Wrexham Road, Chester, CH4 9WW.

Lending Standards Board (LSB)
The LSB proactively monitor and enforce the Standards of Lending Practice, making sure registered firms provide a fair deal to personal customers. The Standards of Lending Practice are voluntary and set the benchmark for good lending practice in the UK for financial products like loans, current accounts, overdrafts and credit cards.

As a lender, we have a responsibility to act fairly and, as part of this, we have committed to follow the Standards of Lending Practice. The Standards cover how customers should be treated throughout their product lifecycle, including financial promotions; communications; product sales; account maintenance and servicing; money management; financial difficulty; and consumer vulnerability.

The Statement of Lender and Borrower Responsibilities sets out some of our key responsibilities, and what we ask of you, to make sure that the relationship works well for both of us.

For further information visit the Lending Standards Board.

Where can I find the Statement of Lender and Borrower Responsibilities (SLBR)?

Who are MBNA?

Based in Chester, MBNA have been providing credit in the UK since 1993, helping customers with their borrowing needs.

We love all the stuff that makes contactless payments possible, transfers speedier and mobile apps handier. We’re boringly good credit specialists, committed to helping customers get on with the important business of making good stuff happen in their lives.

And they get up to a lot of good stuff. We handle 480,000 transactions every day, made using Visa and Mastercard payment terminals around the world.

Customers voted us Moneyfacts Consumer Credit Card Provider of the Year in 2014, 15, 16, 17 and 18, which gives us confidence that we’re busy doing the right things (thanks so much if you voted). We also made the Great Place to Work top 20 list in 2016 and 17, which we couldn’t be prouder of.

Aside from credit card stuff, we like to do our bit for the community too. We’re principal sponsor of local fan-owned football club, Chester FC, Chester Marathon and Chester Racecourse.

Away from home, MBNA Thames Clippers help to keep river traffic flowing in London, for both visitors and commuters alike.

Want to know even more? Just check out our about us page.

An MBNA credit card could be just the ticket if you’re looking to simplify your outgoings, manage your everyday spending or just get a little more out of using a credit card... all with the security and convenience you’d expect.

Check out our range of cards.

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