MBNA is owned by Lloyds Banking Group - which also owns the Halifax, Bank of Scotland, Scottish Widows and Lloyds Bank brands. Lloyds bought the brand from Bank of America in 2017, making it one of the largest credit card operators in the UK.
MBNA offers a number of credit cards under its own brand. It also offers loans.
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| Customer happiness score | 57.46% |
|---|---|
| Customer trust score | 50.89% |
| Complaints performance | 72.4% |
| Transparency rating | 73.16% |
| Fairer Finance score Reviewed Autumn 2023 |
63% |
| Duration of 0% balance transfer offer period i | 22 or 14 months |
|---|---|
| Balance transfer fee during promotional period i | 0.99% or 3.49% |
| Representative APR i | 23.9% |
| Balance transfer rate during promotional period i | 0% |
| Highest balance transfer fee during promotional period (%) i | 3.49% |
| Representative balance transfer rate i | 1.8045% |
| Risk based? i |
| Duration of 0% balance transfer offer period i | 20 or 12 months |
|---|---|
| Balance transfer fee during promotional period i | 3.49% |
| Representative APR i | 23.9% |
| Balance transfer rate during promotional period i | 0% |
| Highest balance transfer fee during promotional period (%) i | 3.49% |
| Representative balance transfer rate i | 1.8045% |
| Risk based? i |
| Duration of 0% balance transfer offer period i | 27 or 14 months |
|---|---|
| Balance transfer fee during promotional period i | 3.49% |
| Representative APR i | 23.9% |
| Balance transfer rate during promotional period i | 0% |
| Highest balance transfer fee during promotional period (%) i | 3.49% |
| Representative balance transfer rate i | 1.8045% |
| Risk based? i |
| Duration of 0% balance transfer offer period i | 12 or 3 months |
|---|---|
| Balance transfer fee during promotional period i | 1.99% |
| Representative APR i | 23.9% |
| Balance transfer rate during promotional period i | 0% |
| Highest balance transfer fee during promotional period (%) i | 1.99% |
| Representative balance transfer rate i | 1.8045% |
| Risk based? i |
| Duration of purchases offer period i | 20 or 12 months |
|---|---|
| Representative APR i | 23.9% |
| Highest APR i | 28.9% |
| Purchase rate during promotional period i | 0% |
| Representative purchase rate i | 1.8045% |
| Number of days before interest is charged on purchases i | 56 days |
| Risk based? i |
| Reward extras i | |
|---|---|
| Representative APR i | 13.9% |
| Risk based? i | |
| Annual fee in first year i | £0.00 |
| Annual fee after first year i | £0.00 |
| Foreign purchase fee i | 2.95% |
| Representative APR i | 13.9% |
|---|---|
| Foreign purchase fee i | 0% |
| Foreign withdrawal fee i | 5% |
| Risk based? i | |
| Number of days before interest is charged on non-sterling cash transactions i | 0 days |
| Representative purchase rate i | 1.0935% |
| Representative APR i | 23.9% |
|---|---|
| Foreign purchase fee i | 2.95% |
| Foreign withdrawal fee i | 5% |
| Risk based? i | |
| Number of days before interest is charged on non-sterling cash transactions i | 0 days |
| Representative purchase rate i | 1.8045% |
| Representative APR i | 23.9% |
|---|---|
| Foreign purchase fee i | 2.95% |
| Foreign withdrawal fee i | 5% |
| Risk based? i | |
| Number of days before interest is charged on non-sterling cash transactions i | 0 days |
| Representative purchase rate i | 1.8045% |
| Representative APR i | 23.9% |
|---|---|
| Foreign purchase fee i | 2.95% |
| Foreign withdrawal fee i | 5% |
| Risk based? i | |
| Number of days before interest is charged on non-sterling cash transactions i | 0 days |
| Representative purchase rate i | 1.8045% |
| Representative APR i | 13.9% |
|---|---|
| Foreign purchase fee i | 2.95% |
| Foreign withdrawal fee i | 5% |
| Risk based? i | |
| Number of days before interest is charged on non-sterling cash transactions i | 0 days |
| Representative purchase rate i | 1.0935% |
| Representative APR i | 23.9% |
|---|---|
| Foreign purchase fee i | 2.95% |
| Foreign withdrawal fee i | 5% |
| Risk based? i | |
| Number of days before interest is charged on non-sterling cash transactions i | 0 days |
| Representative purchase rate i | 1.8045% |
| Representative APR i | 13.9% |
|---|---|
| Highest APR i | 17.9% |
| Representative purchase rate i | 1.0935% |
| Risk based? i | |
| Representative balance transfer rate i | 1.0935% |
| Representative money transfer rate i | 1.0935% |
| Money transfer rate during promotional period i | 0% |
|---|---|
| Duration of money transfer offer period i | 14 months |
| Money transfer fee during promotional period i | 3.49% |
| Representative APR i | 23.9% |
| Representative cash transaction interest rate i | 1.8045% |
| Risk based? i |
| Money transfer rate during promotional period i | 0% |
|---|---|
| Duration of money transfer offer period i | 12 or 3 months |
| Money transfer fee during promotional period i | 4% |
| Representative APR i | 23.9% |
| Representative cash transaction interest rate i | 1.8045% |
| Risk based? i |
| Money transfer rate during promotional period i | 0% |
|---|---|
| Duration of money transfer offer period i | 12 or 3 months |
| Money transfer fee during promotional period i | 4% |
| Representative APR i | 23.9% |
| Representative cash transaction interest rate i | 1.8045% |
| Risk based? i |
| Money transfer rate during promotional period i | 0% |
|---|---|
| Duration of money transfer offer period i | 12 or 3 months |
| Money transfer fee during promotional period i | 4% |
| Representative APR i | 23.9% |
| Representative cash transaction interest rate i | 1.8045% |
| Risk based? i |
| Alternative accommodation cover limit for buildings i | £100,000.00 |
|---|---|
| Theft from outbuildings i | £10,000.00 |
| Protection against inflation (Buildings) | |
| Matching sets (contents) i | |
| Contents compulsory excess i | £50.00 |
| Property owner liability i | £2,000,000.00 |
| Cancellation fee within 14 days i | £0.00 |
| Contents cover limit i | £100,000.00 |
| Alternative accommodation cover limit for contents i | £30,000.00 |
| Buildings cover limit i | £1,000,000.00 |
| Cancellation fee after 14 days i | £35.00 |
| Liability to domestic employees i | £10,000,000.00 |
| Trace and access i | £5,000.00 |
| Keys/locks if lost or stolen (Buildings) i | Sum insured |
| Liability as a tenant i | £20,000.00 |
| Replace belongings new for old i | |
| Flood excess i | £100.00 |
| Escape of water excess (minimum) i | £750.00 |
| Money in the home i | £1,000.00 |
| Visitor's possessions i | £1,000.00 |
| Office equipment i | £10,000.00 |
| Alternative accommodation cover limit for buildings i | £30,000.00 |
|---|---|
| Theft from outbuildings i | £0.00 |
| Protection against inflation (Buildings) | |
| Matching sets (contents) i | |
| Contents compulsory excess i | £50.00 |
| Property owner liability i | £1,000,000.00 |
| Cancellation fee within 14 days i | £0.00 |
| Contents cover limit i | £75,000.00 |
| Alternative accommodation cover limit for contents i | £20,000.00 |
| Buildings cover limit i | £550,000.00 |
| Cancellation fee after 14 days i | £35.00 |
| Liability to domestic employees i | £0.00 |
| Trace and access i | £5,000.00 |
| Keys/locks if lost or stolen (Buildings) i | Sum insured |
| Liability as a tenant i | £10,000.00 |
| Replace belongings new for old i | |
| Flood excess i | £100.00 |
| Escape of water excess (minimum) i | £750.00 |
| Money in the home i | £250.00 |
| Visitor's possessions i | £0.00 |
| Office equipment i | £5,000.00 |
| Escape of water excess for buildings i | £750.00 |
|---|---|
| Matching sets (Buildings) i | |
| Frozen pipes i | |
| Underground pipes, cables and tanks i | Covered as standard |
| Selling your home i | |
| Emergency entries i | |
| Accidental damage to drains i | |
| Buildings compulsory excess i | £50.00 |
| Unoccupied period i | 60 days |
| Property owner liability i | £2,000,000.00 |
| Helpline i | |
| Cancellation fee after 14 days (buildings) i | £35.00 |
| Amendment fee (telephone) i | £0.00 |
| Escape of water excess for buildings i | £750.00 |
|---|---|
| Matching sets (Buildings) i | |
| Frozen pipes i | |
| Underground pipes, cables and tanks i | Covered as standard |
| Selling your home i | |
| Emergency entries i | |
| Accidental damage to drains i | |
| Buildings compulsory excess i | £100.00 |
| Unoccupied period i | 60 days |
| Property owner liability i | £1,000,000.00 |
| Helpline i | |
| Cancellation fee after 14 days (buildings) i | £35.00 |
| Amendment fee (telephone) i | £0.00 |
| Matching sets (contents) i | |
|---|---|
| Theft from outbuildings i | £10,000.00 |
| Cover for items away from home i | Optional |
| Property owner liability i | £2,000,000.00 |
| Matching sets (contents) i | |
|---|---|
| Theft from outbuildings i | £0.00 |
| Cover for items away from home i | Not covered |
| Property owner liability i | £1,000,000.00 |