Using your card
Read answers to frequently asked questions, including useful information about ATM withdrawals and using your card abroad.
I'm planning on using my card abroad, what do I need to know?
Your credit card is ready to use in most countries around the world both for shopping and withdrawing cash. There's no need to let us know before you jet off, but it's a good idea to check your card won't expire while you're away.
To get all the facts about using your card and making payments in other countries, plus an up to date list of restricted countries where you can't use your card, have a look at our travelling abroad page.
Remember: fees will apply if you use your card outside the UK, so whether you're withdrawing some euros or spending those dollars in a gift shop, you'll have to pay a bit extra. Take a look at our fact sheet for more details and check your terms and conditions for applicable fees and charges.
When I'm abroad, how do I manage my credit card?
You can manage your card by accessing Online Card Services wherever you are in the world. Log in or register to manage your credit card online to do all this and more:
- View your PIN.
- Check recent transactions.
- Make a transfer.
- View your statement.
- Make a payment.
You can call us using the international phone number printed on the back of your card, or you can send us a secure message in Online Card Services:
- Select 'Communication Centre' from the menu at the top of the page.
- Choose 'View messages'.
You can send and receive secure messages from here:
- Select 'Compose message'.
- Choose a subject line from the drop down list.
- Type in your message before selecting 'Send'.
We'll email you to let you know when you've got a response to view in Online Card Services. Remember to check your junk mail/spam filters to see if the email has been filtered there.
What's a cash advance?
A cash advance is withdrawing cash using your credit card or a cash substitute. Customers can use over 1 million ATMs across the world, but there may be a fee, so make sure you know what the charges are.
Examples of cash advances:
- Withdrawing at an ATM or over the counter at your bank.
- Buying currency or travellers' cheques.
- Gambling and electronic transfers (not including balance and money transfers).
Can I use my credit card at an ATM?
You can use your credit card to take cash out at over 1 million ATMs across the world - just look out for the Mastercard, Visa or American Express® 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 - you'll need to present your credit card and you're likely to be asked for photo ID (e.g. your passport).
Fees apply when using your credit card overseas, and there might be a charge for making a cash withdrawal. Check your terms and conditions for more details.
Will I be charged a fee for cash advances?
A handling fee will be charged for all cash advances, including using your card or card number to take out cash.
Examples of cash advances include withdrawing cash from an ATM or over the counter, purchasing non-sterling currency or travellers' cheques, and gambling and electronic transfers (not including balance or money transfers).
What are card purchases?
Card purchases include anything you buy with your credit card. This excludes balance transfers, money transfers, cash (e.g. at ATMs and over the counter), non-sterling currency, travellers' cheques, postal orders, gambling transactions and electronic transfers of cash.
What is contactless?
Contactless is an easy way to make payments of £30 or less without entering your PIN. Just tap your MBNA card, or mobile device, on the card reader, wait for the beep, and you're all done.
Have a read of our contactless and mobile payments page to find out how secure it is, and how it works.
Where do I find my cards security or CVC number?
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.
For American Express - It's the four digits printed in the top right corner on the front of your card.
Are contactless payments safe?
Contactless and mobile payments are just as secure as chip & PIN. The technology only works if you put your card or device very close to the card reader, so you won't accidentally pay for anyone else's shopping.
Sometimes you'll be asked to use chip & PIN instead of contactless for some extra security, and to limit the possibility of any fraudulent activity on your account. You're still covered for fraudulent contactless transactions, just as you would be for chip & PIN, but please let us know as soon as you see any unrecognised transactions on your statement, or spot that your card is missing.
To find out more about how it works, read our contactless and mobile payments page.