MBNA

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.

MBNA
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Gold ribbon: first place

Credit cards

Ranked 10th of 34 providers reviewed.

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%

Credit cards

0% balance transfer credit cards

MBNA

Low Fee 0% Balance Transfer

3 stars
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

MBNA

0% Transfers and Purchases

3 stars
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

MBNA

Long 0% Balance Transfer

3 stars
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

MBNA

Long 0% Money Transfer

2 stars
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

0% purchase credit cards

MBNA

0% Transfers and Purchases

4 stars
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

Cashback and reward credit cards

MBNA

Platinum Visa Credit Card

1 stars
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%

Foreign use credit cards

MBNA

Platinum Visa Credit Card (first 12 months)

2 stars
Foreign purchase fee i 0%
Foreign withdrawal fee i 5%
Representative APR i 13.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.0935%

MBNA

Long 0% Balance Transfer

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 5%
Representative APR i 23.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.8045%

MBNA

0% Transfers and Purchases

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 5%
Representative APR i 23.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.8045%

MBNA

Long 0% Money Transfer

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 5%
Representative APR i 23.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.8045%

MBNA

Platinum Visa Credit Card

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 5%
Representative APR i 13.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.0935%

MBNA

Low Fee 0% Balance Transfer

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 5%
Representative APR i 23.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.8045%

Low rate credit cards

MBNA

Platinum Visa Credit Card

1 stars
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 credit cards

MBNA

Long 0% Money Transfer

5 stars
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%
Risk based? i
Representative cash transaction interest rate i 1.8045%

MBNA

Long 0% Balance Transfer

3 stars
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%
Risk based? i
Representative cash transaction interest rate i 1.8045%

MBNA

0% Transfers and Purchases

3 stars
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%
Risk based? i
Representative cash transaction interest rate i 1.8045%

MBNA

Low Fee 0% Balance Transfer

3 stars
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%
Risk based? i
Representative cash transaction interest rate i 1.8045%

Home insurance (building and contents)

MBNA

Plus

4 stars
Theft from outbuildings i £10,000.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £100,000.00
Protection against inflation (Buildings)
Contents cover limit i £100,000.00
Money in the home i £1,000.00
Visitor's possessions i £1,000.00
Office equipment i £10,000.00
Buildings cover limit i £1,000,000.00
Trace and access i £5,000.00
Keys/locks if lost or stolen (Buildings) i Sum insured
Alternative accommodation cover limit for contents i £30,000.00
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £35.00
Contents compulsory excess i £50.00
Flood excess i £100.00
Escape of water excess (minimum) i £750.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £20,000.00
Replace belongings new for old i

MBNA

Essential

2 stars
Theft from outbuildings i £0.00
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £30,000.00
Protection against inflation (Buildings)
Contents cover limit i £75,000.00
Money in the home i £250.00
Visitor's possessions i £0.00
Office equipment i £5,000.00
Buildings cover limit i £550,000.00
Trace and access i £5,000.00
Keys/locks if lost or stolen (Buildings) i Sum insured
Alternative accommodation cover limit for contents i £20,000.00
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £35.00
Contents compulsory excess i £50.00
Flood excess i £100.00
Escape of water excess (minimum) i £750.00
Property owner liability i £1,000,000.00
Liability to domestic employees i £0.00
Liability as a tenant i £10,000.00
Replace belongings new for old i

Buildings insurance

MBNA

Plus

3 stars
Matching sets (Buildings) i
Frozen pipes i
Escape of water excess for buildings i £750.00
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
Helpline i
Cancellation fee after 14 days (buildings) i £35.00
Amendment fee (telephone) i £0.00
Property owner liability i £2,000,000.00

MBNA

Essential

2 stars
Matching sets (Buildings) i
Frozen pipes i
Escape of water excess for buildings i £750.00
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
Helpline i
Cancellation fee after 14 days (buildings) i £35.00
Amendment fee (telephone) i £0.00
Property owner liability i £1,000,000.00

Contents insurance

MBNA

Plus

4 stars
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

MBNA

Essential

2 stars
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

Personal loans

MBNA

Personal Loan

Representative APR (on £5,000 loan, 36 month term) Illustrative rates shown
Unpaid Repayment Fee i £25.00
Early settlement fee (Days interest) 58 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount £1,000.00
Maximum borrowing amount £25,000.00
Minimum borrowing length 12 months
Maximum borrowing length 60 months