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.

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. 

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

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.

This video explains the basics to help you get started.

Direct debits video

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 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.

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

By bank transfer or debit card

Using the MBNA Card Services app simply log in, then select ‘Pay credit card’.

From here you can choose to pay by debit card or, more conveniently, to pay from a bank or building society account.
 
If you choose to pay from an account you hold elsewhere:

  • Enter the amount you’d like to pay.
  • From the list, select the bank you have an account with and want to pay from.
  • We’ll briefly hand you over to their website or app to approve the payment.

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

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).

There are a few other ways to make a debit card payment to your MBNA credit card.

Using Online Card Services:

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

Or call 03456 062 062. Speak to an adviser Mon-Fri 8am-10pm, or Sat-Sun 8am-6pm. You’ll need your 16-digit credit card number, and your debit card details.

Alternatively, you can make a payment from your current 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 card number

Current 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.

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

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.

From overseas

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 card number

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.

Already missed a payment? You can speak to us on 0800 028 0690.

Worried about future payments? You can speak to us on 0800 056 7298 (or +44 1244 757 233 from outside the UK).

Lines are open Mon-Fri 8am-8pm and Sat 8am-5pm. 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

MoneyHelper
Visit MoneyHelper

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.