• Credit card payments

    How to pay your credit card

    Credit card payments - how to pay your credit card

    Making your credit card payments on time is quick and easy to do. 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 make monthly payments to your credit card

    By Direct Debit

    Set up a Direct Debit to make automatic credit card payments each month, either for a set monthly amount, the minimum payment or the full balance. This video explains the basics to help you get started.

    Direct debits video


    Once a Direct Debit is in place, your monthly payment will be credited to your credit card account on your payment due date. The money will be collected from your bank or building society by the next working day.

    You can set up and manage your Direct Debit with MBNA using Online Card Services, or by giving us a call.

    By debit card

    You can make one-off or regular credit card payments of any amount you choose with your debit card. This gives you complete flexibility and it’s convenient, too.

    You can pay using our automated phone service, Online Card Services or choose one of our mobile services. We will apply the funds to your card account on the working day we receive them. We recommend you allow at least one working day for your payment to reach us.

    By cheque

    To pay make a payment to your credit card by cheque, make it out to MBNA Limited and quote your credit card number and name. See the ‘How to pay’ section on your statement for more details. Post it to us and leave at least 7 working days for the payment to be processed.

    At your bank

    You can pay at any UK bank or building society (in branch, over the phone or online) using our Lloyds Banking Group faster payment details:

    Sort code: 77-29-00
    Account number: 0000 0000 (eight zeros is correct)
    Reference: your 16-digit card number

    We will apply the funds to your card account on the working day we receive them. Please check with your bank when we will receive your payment. We recommend you allow at least 1 working day for your payment to reach us.

    From overseas

    If you’ve got a UK debit card and you’re overseas, it’s still possible to make credit card payments.

    To make an overseas credit card payment to MBNA, you can use our automated phone service or Online Card Services. Otherwise, most banks outside the UK should be able to arrange a SWIFT payment to us. You’ll need to provide:

    • IBAN – GB38LOYD30675699067997
    • BIC/SWIFT – LOYDGB21705
    • Your 16-digit credit card number as a payment reference.


    Important things to remember when making credit card payments

    Time it right

    If your credit card payment due date falls on a Saturday, Sunday or bank holiday, these are classed as non-working days, so you may need to allow extra time for your payment to reach us.

    Check your statements

    It’s important to check your credit card statement each month, not only to spot transactions you don’t recognise, but also so you know what you need to pay and if there any changes to your account. Look out for:

    • Outstanding balance - this is how much you owe on the date your statement was produced.
    • Minimum payment due - if you can, try to pay more than the minimum to clear your balance faster.
    • Payment due date - if your payment is late, you’ll be charged a fee and could lose any promotional offers.
    • Interest rates - the rate of interest for each type of transaction, e.g. card purchases or cash withdrawals.
    • Payment allocation - in simple terms, your payments will be allocated to higher-rate transactions that are shown on your statement before those charged at lower rates. For full details please check your credit card terms and conditions.

    You can see up to 12 months of statements online, just log in or register for Online Card Services, to get started. If your account is paperless, you’ll get an email to let you know when there’s a new statement available to see online.

    Avoid charges

    In most cases, you’ll be charged for going over your agreed credit limit. You may also be charged if a payment of at least the minimum amount doesn’t reach your account before the due date detailed on your statement. These charges are covered in your credit card terms and conditions, so make sure you check them.

    It’s important to keep track of your account, which you can do easily using Online Card Services. Check out our guide so you know which fees and charges to expect.

    Estimated interest

    Your statement will detail ‘Next month’s estimated interest’, just so you’re aware and can budget accordingly. The calculation assumes that:

    • You continue to make the minimum payments on time.
    • You don’t make further transactions in the coming month.
    • You don’t incur additional fees or charges.
    • There are no changes to your statement date or interest rate (excluding promotional offer expiry).


    Good to know - we don’t charge interest on purchases made during your latest statement period if you pay off your full balance (including any balance transfers and money transfers) by the payment due date, and you also paid your previous month's balance in full by the due date.

    Learn more about statements.

    Clear your balance

    If you’d like to pay off your credit card in full, it’s important you understand the interest charges which could apply and when they’ll be charged. Read about clearing your balance.

    Need help paying your credit card?

    If you’re experiencing difficulties making MBNA credit card payments, it’s important you let us know so we can help.

    To speak to our dedicated debt management team, call 0800 056 7298 (or +44 1244 757 233 from outside the UK). Lines are open Monday to Thursday 9am-8pm, Friday 9am-6pm, Saturday 9am-1pm. Standard network charges may apply.

    You’ll also find useful information on our dealing with debt page.

    Free and independent advice services:

    PayPlan
    Visit PayPlan

    Money Advice Service (MAS)
    Visit MAS

    StepChange Debt Charity
    Visit StepChange

    Citizens Advice
    Visit Citizens Advice

    National Debtline
    Visit National Debtline

    We make paying off your credit card straightforward by giving you lots of ways to do it, whether you’re at home or on the move. And you have all the support available to make sure you can stay in control and keep on top of your credit card payments.

    Understanding credit