Credit card payments

There are lots of different ways to make the monthly payments to your credit card and stay in control. Find out more in our handy guide.

Ways to pay your credit card

Regular payments

If you want control of your payments, a Direct Debit collects payments automatically from your selected bank or building society account when they’re due - Giving you have one less thing to remember!
 

  • How to set up a Direct Debit

    You can set up a Direct Debit to make automatic credit card payments each month, either for:

    1. A set monthly amount.
    2. The minimum payment.
    3. The full balance.
    4. A fixed percentage.

    It's nice and simple to set up a Direct Debit using Online Card Services. To get started, log in or register and then follow these steps:

    1. Select Pay credit card from the menu next to the card you want to pay.
    2. Select Regular Payments from the Ways to Pay options.
    3. Select set up regular payments.
    4. Enter your bank or building society sort code and account number.
    5. Select the amount you wish to pay ever month then continue.
    6. Check the details are correct, enter your Online Card Services password and confirm.
    7. That's it, your Direct Debit will be set up and you will you be told when the first payment will be taken! 

    Log in to make a payment


    Other ways to set up a Direct Debit

    The quickest way to set up a Direct Debit is through Online Card Services. However, if you prefer to speak to an adviser, you can call us on 03456 062 062. Lines are open Mon-Fri 8am-10pm, or Sat-Sun 8am-6pm.

    You’ll need your 16-digit credit card number when calling us.

    What happens next?

    When your Direct Debit is in place, it will show on your statement and Online Card Services. Until then, continue to make payments using one of the other methods. You can change the way you pay your Direct Debit at any time.

    Important things to remember:

    • Once your Direct Debit is in place, you need to make sure there’s enough money in your bank or building society account when we take your payment each month. If there isn’t, fees and charges could apply.
    • To help you manage your account we might make changes to your payment amount. 
    • If your payment doesn’t cover the minimum payment, we may increase it. We may also increase it if you have any missed payments
    • We may reduce your payment if it's too high and your account is going into credit.

One off payments

If you’d like to be in full control, or make additional payments on top of your Direct Debit, you’ve got a few options. 

Just make sure at least the minimum amount is covered each month and that the payment method used will get your payment to us before the due date.

You can make additional payments at any point to reduce your balance and any interest costs.

Bear in mind: If you make additional payments to your account during the month we may still collect your Direct Debit in full.
 

  • There are three ways to pay your MBNA credit card from a bank or building society.

    1. Pay using our app
    2. Transfer the money using your bank's online service.
    3. Pay online using your debit card.

    Pay from a bank or building society account

    Pay using our app

    This service isn’t possible with all banks and building societies yet, but more will be added as time goes on.

    1. Using the MBNA Card Services app simply log in, then select ‘Pay & transfer’.
    2. Choose pay from another bank or building society account.
    3. Enter the amount you’d like to pay.
    4. From the list, select the bank you have an account with and want to pay from.
    5. We’ll briefly hand you over to their website or app to approve the payment.
       

    Ready to make a payment?

    Download the MBNA Card Services App from your preferred store:
     

    We only share payment information. No other personal details are shared between financial service providers. For full details and terms, please read our payment initiation services agreement (PDF, 65KB).

    When will the payment reach my credit card?

    Bank account payments should reach your MBNA credit card account and update your available credit within 2 hours, but allow at least 1 working day for your list of recent transactions to update.

    Transfer the money using your bank's online service

    You can make a payment from your bank account in the same way you’d pay a bill or person. You’ll need these details:
     
    Account number – 0000 0000
    Sort code – 77-29-00 
    Reference – your 16-digit credit card number

    When will the payment reach my credit card?

    Bank account payments should reach your MBNA credit card account and update your available credit within 2 hours, but allow at least 1 working day for your list of recent transactions to update.

    Pay online with a debit card

    • To get started, log in or register.
    • From your credit card account summary, select ‘Pay credit card’.

    Log in to make a payment

    When will the payment reach my credit card?

    Debit card payments will reach your MBNA credit card account by the next working day.

  • Pay by phone

    The quickest way to pay your credit card is using our app or Online Card Services. However, if you prefer to speak to an adviser, you can call us on 03456 062 062. Lines are open Mon-Fri 8am-10pm, or Sat-Sun 8am-6pm.

    You’ll need your 16-digit credit card number when calling us.

    Pay by cheque

    You can send a cheque to us by post, but please don’t send cash in case it gets lost.
     
    Make your cheque out to MBNA, remembering to write your name and credit card number on the back. Once it’s complete, send your cheque to: 
     
    MBNA (180)
    PO Box 274
    Sheffield
    S98 1RJ
     
    Allow at least 7 working days for delivery and for your payment to reach your account.

    Important to know – we don’t accept cheques for dates in the future (post-dated). These are usually returned, which could result in missed payments and additional fees.

  • If you have a UK bank account or debit card, you should still be able to make payment online or by phone from outside the UK. Check the sections above for details.

    If not, most overseas banks should be able to arrange a BIC or SWIFT payment to us. Processing times can vary, so check with the overseas bank when you request your payment.
     
    You’ll need these details:

    • IBAN: GB38LOYD30675699067997
    • BIC/SWIFT: LOYDGB21705
    • Reference: your 16-digit credit card number

Key points about credit card payments

You need to make at least the minimum payment each month, by the due date detailed on your latest statement. It’s a good idea to pay as much as you can to keep any interest costs down. 

  • Set up a regular Direct Debit payment and we’ll automatically claim your selected payment amount when it’s due. 
  • You can also make payments from a bank account, with a debit card, by cheque, or on the phone.
  • If you choose to make one-off payments, just make sure that the method you use will get your payment to us on time. 
  • You can request to change your payment due date to better suit your needs, e.g. if you usually receive your salary later than your due date falls.

If you find you are worrying about money, managing your debt or the rising cost of living and energy prices, you really aren’t alone. 

Whatever help you need, you can find it on our Money Worries page.