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Making payments to your account

Making payments to your account

It’s important to make payments on time. We offer a range of options which should make things quick and easy.

Faster Payments

You can make a Faster Payment using your bank’s internet or telephone services, or by visiting a branch. They’ll need:

  • Our account number: 70328725
  • Our sort code: 08-61-30
  • Your 16-digit credit card number as a payment reference.

Providing there are no restrictions on your account, Faster Payments will be available for you to use within 2 hours of us receiving cleared funds from your bank.


Direct Debit

Direct Debit is one of the most reliable ways to make a payment. Just decide if you want to pay a set amount each month, the minimum payment or the full balance and whatever you choose, it’ll be paid automatically each month.

You can set up and manage your Direct Debit using Online Card Services, our mobile services* or by giving us a call.

Once your Direct Debit is in place, your monthly payment will be credited to your credit card account on your payment due date, and will be collected from your bank or building society on either the same or the next business day.

If you choose to pay a set amount, we'll collect the amount you’ve chosen each month unless it’s not high enough to cover your monthly minimum payment, in which case we’ll take the minimum payment amount instead; or your statement balance is lower than the set amount, in which case we’ll just take the statement balance. The amount we’ll claim by Direct Debit is shown on your monthly statement.

Good to know: you need to continue making payments using another method until it shows on your statement that your Direct Debit is in place. Once in place, Direct Debit payments will be taken regardless of any additional payments you make.


Standing order

You can set up a standing order to make a regular fixed payment on a date of your choice. Just remember, as your minimum payment amount will change each month, you might need to make an additional payment to cover it.

To get started, download and complete a standing order mandate (PDF) − there are instructions on the form to help you. If you’re unable to open or print the form, just request a copy from your bank. You’ll need:

  • Our account number: 70328725
  • Our sort code: 08-61-30
  • Your 16-digit credit card number as a payment reference.

Good to know: to pay your balance off faster, you could set up a Direct Debit in addition to a standing order.

To open a PDF, you’ll need Adobe® Acrobat® Reader, which you can download for free.


Debit card

You can make one-off payments of any amount you choose with your debit card. It’s convenient too – pay using our automated phone service, Online Card Services or choose one of our mobile services (like our jazzy Card Services App).

Your debit card payment should be complete the next business day.


At your bank

If you still receive your statement by post, you'll find a giro slip at the bottom. Take that to your bank/building society and they'll use the details on it to arrange a payment for you.

Depending how your bank decides to process your payment, it might take up to 4 business days to reach us. It’s useful to know that some banks charge a fee for these services, and may refuse if you don’t have an account with them.

Most banks can arrange Faster Payments instead – you’ll find more details earlier in this guide.



You can send a cheque to us by post, here’s how:

  • Make out your cheque to MBNA Limited.
  • Write your credit card number in the top left-hand corner on the front.
  • Write your name and address on the back.
  • Use the current date when you write your cheque.
  • Post your cheque to:
    Card Services
    Thynne Street
    BL11 1AZ

Please allow at least 5 business days for your payment to reach us by First Class post. It could take longer by Second Class, or if there are delays.

If you’ve got more than one credit card account with us, please send a separate cheque (in a separate envelope) for each payment. Also, don’t include correspondence or cash with your cheque.

Good to know: never post-date your cheque. If you do we may send it back to you unpaid, which could result in you missing a payment and incurring fees.


From overseas

If you’ve got a UK debit card, you can still make a payment using 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 A/C Number: GB02MIDL40025081357948
Your 16 digit credit card number as a payment reference

We recommend you allow at least 5 days for a SWIFT payment to reach your credit card account.


Payment timescales

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

Provided there are no restrictions on your account:

  1. Payments made using the Faster Payments Service will be available for you to use within 2 hours of us receiving cleared funds from your bank.
  2. Payments made using debit cards will be available to use the next day.
  3. For all other payment methods, your payment will be available for you to use at the start of the business day on which we are due to receive cleared funds from your bank.

Debit card payments will show as a completed payment in your 'Available for Cash & Purchases' and 'Outstanding Balance' totals after 9pm on the day they’re completed (except on Sunday where they’ll show on Monday instead).

For all other methods, payments will show in your 'Available for Cash & Purchases' and 'Outstanding Balance' totals after 9pm on the business day they’re completed.


Understanding the costs

The UK Cards Association offer independent information through their Card Costs website, including a tool to help you estimate your overall interest costs and find repayment options which could help you save.

Get started


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 about any changes to your account. Thinks to look out for:

Outstanding balance – that’s how much you owe as of the date your statement was produced.
Minimum payment due – to clear your balance faster, we’d recommend paying more than the minimum if you can.
Payment due date – if your payment is late, you’ll be charged a fee and could lose any promotional offers. 
Interest rates – that’s the rate of interest for each type of transaction, e.g. card purchases or cash withdrawals.
Payment allocation – in simple terms, balances with the highest interest rates will be paid off first. For full details please check your credit card terms and conditions.

You can view 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 view online.


Avoiding fees

An over limit fee will be charged if you go over your agreed credit limit, and a late payment fee will be charged if a payment of at least the minimum amount doesn’t reach your account before the due date detailed on your statement.

The fees you could be charged are covered in your credit card terms and conditions.

It’s important to keep track of your account, which you can do easily using Online Card Services. Just log in or register to see an account summary, check statements and make or manage payments.

Make sure the payment method you choose gets your payment to us on time – Faster Payments are one of the quickest options. Otherwise, consider setting up a Direct Debit to do the remembering for you.


Estimated interest

On each statement you’ll see an amount of ‘estimated interest’, which is roughly the amount of interest you’ll be charged in the next statement period if you only make a minimum payment. This excludes interest on any new transactions, any fees charged or changes to your interest rates (excluding expired promotional offers).

To reduce the interest you’re charged, you’ll need to pay off your balance more quickly, i.e. by paying more than the minimum each month. If you pay your full balance on time each month, you might not be charged any interest at all.

Other fees may apply - check your account terms and conditions for full details.


Clearing your balance

If you’d like to pay off your balance completely, it’s important that you understand the interest charges that could apply and when they’ll be charged… we’ve provided an example which should help.

Learn more


Help with financial difficulties

If you’re experiencing difficulties, it’s important you let us know so we can help. Please call 0800 028 0690.

If you have a LifestyleProtect policy and you’ve experienced involuntary unemployment, hospitalisation, become a full-time carer, or you’re not working due to accident or sickness, you may be able to claim. Check your full terms and conditions within your policy document for further information, or call Covéa Insurance on 0800 587 0525 (option 1). Lines are open Mon-Fri, 8am-6pm.

Free and independent advice services:
StepChange Debt Charity
0800 138 1111

National Debtline
0808 808 4000

Citizens Advice Bureau

*Please note the Direct Debit option may not always be available online, for example if your account is over limit or you have missed a payment.