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.
Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.
Credit cards
9 products reviewed
0% balance transfer credit cards
2 products reviewed
MBNA
0% Transfers and Purchases
| Feature | Value |
|---|---|
| Duration of 0% balance transfer offer period |
24, 22 or 14 months
|
| Balance transfer fee during promotional period |
3.49%
|
| Representative APR |
24.9%
|
| Balance transfer rate during promotional period |
0%
|
MBNA
Long 0% Balance Transfer
| Feature | Value |
|---|---|
| Duration of 0% balance transfer offer period |
36, 35, 20, 18 or 16 months
|
| Balance transfer fee during promotional period |
2.99%
|
| Representative APR |
24.9%
|
| Balance transfer rate during promotional period |
0%
|
0% purchase credit cards
1 product reviewed
MBNA
0% Transfers and Purchases
| Feature | Value |
|---|---|
| Duration of purchases offer period |
24, 20,14, or 12 months
|
| Representative APR |
24.9%
|
| Highest APR |
29.9%
|
| Purchase rate during promotional period |
0%
|
| Representative purchase rate |
1.873%
|
Foreign use credit cards
3 products reviewed
MBNA
Credit Card
| Feature | Value |
|---|---|
| Representative APR |
14.9%
|
| Foreign purchase fee |
0%
|
| Foreign withdrawal fee |
5%
|
| Number of days before interest is charged on non-sterling cash transactions |
0 days
|
MBNA
Long 0% Balance Transfer
| Feature | Value |
|---|---|
| Representative APR |
24.9%
|
| Foreign purchase fee |
2.95%
|
| Foreign withdrawal fee |
5%
|
| Number of days before interest is charged on non-sterling cash transactions |
0 days
|
MBNA
0% Transfers and Purchases
| Feature | Value |
|---|---|
| Representative APR |
24.9%
|
| Foreign purchase fee |
2.95%
|
| Foreign withdrawal fee |
5%
|
| Number of days before interest is charged on non-sterling cash transactions |
0 days
|
Low rate credit cards
1 product reviewed
MBNA
Credit Card
| Feature | Value |
|---|---|
| Representative APR |
14.9%
|
| Highest APR |
14.9%
|
| Representative purchase rate |
1.167%
|
Money transfer credit cards
2 products reviewed
MBNA
Long 0% Balance Transfer
| Feature | Value |
|---|---|
| Money transfer rate during promotional period |
0%
|
| Duration of money transfer offer period |
9 or 3 months
|
| Money transfer fee during promotional period |
4%
|
| Representative APR |
24.9%
|
MBNA
0% Transfers and Purchases
| Feature | Value |
|---|---|
| Money transfer rate during promotional period |
0%
|
| Duration of money transfer offer period |
9 or 3 months
|
| Money transfer fee during promotional period |
4%
|
| Representative APR |
24.9%
|
Home emergency cover
1 product reviewed
Boiler Breakdown Cover
1 product reviewed
MBNA
Home Emergency
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£4.59
|
| No claims period (Boiler) |
0.00
|
| Boiler repair cover limit |
£1,000.00
|
| No claims period |
0.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
£500.00
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Comes as standard with home insurance
|
| Maximum excess |
£0.00
|
| Premium (maximum excess applied) |
£4.59
|
| Underwriter |
AWP P&C SA
|
| Unoccupied period |
60
|
| Individual call out cover limit for boiler repairs |
£1,000.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£0.00
|
| Boiler age exclusions |
No exclusion
|
| No claims period for boiler replacement |
0.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
£500.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£500.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£500.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£500.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£3.00
|
| Primary flue | No |
| Boiler controls | No |
| Alternative accommodation cover |
£250.00
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service | No |
| Repairs guarantee |
Not Mentioned
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-03-18
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | Yes |
| Security | Yes |
Home insurance (building and contents)
9 products reviewed
Buildings insurance
4 products reviewed
- Plus (With cycle cover)
- Plus
- Essential
- Essential (With optional cycle cover and theft from outbuildings)
MBNA
Plus (With cycle cover)
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£750.00
|
| Matching sets (Buildings) | Yes |
| Frozen pipes | Yes |
| Trace and access |
£5,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
MBNA
Plus
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£750.00
|
| Matching sets (Buildings) | Yes |
| Frozen pipes | Yes |
| Trace and access |
£5,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
MBNA
Essential
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£750.00
|
| Matching sets (Buildings) | No |
| Frozen pipes | Yes |
| Trace and access |
£5,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
MBNA
Essential (With optional cycle cover and theft from outbuildings)
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£750.00
|
| Matching sets (Buildings) | No |
| Frozen pipes | Yes |
| Trace and access |
£5,000.00
|
| Underground pipes, cables and tanks |
Covered as standard
|
Contents insurance
4 products reviewed
- Plus
- Plus (With cycle cover)
- Essential
- Essential (With optional cycle cover and theft from outbuildings)
MBNA
Plus
| Feature | Value |
|---|---|
| Matching sets (contents) | Yes |
| Theft from outbuildings |
£10,000.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£1,000.00
|
| Property owner liability |
£2,000,000.00
|
| Escape of water excess (minimum) |
£50.00
|
MBNA
Plus (With cycle cover)
| Feature | Value |
|---|---|
| Matching sets (contents) | Yes |
| Theft from outbuildings |
£10,000.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£1,000.00
|
| Property owner liability |
£2,000,000.00
|
| Escape of water excess (minimum) |
£50.00
|
MBNA
Essential
| Feature | Value |
|---|---|
| Matching sets (contents) | No |
| Theft from outbuildings |
£0.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£250.00
|
| Property owner liability |
£1,000,000.00
|
| Escape of water excess (minimum) |
£750.00
|
MBNA
Essential (With optional cycle cover and theft from outbuildings)
| Feature | Value |
|---|---|
| Matching sets (contents) | No |
| Theft from outbuildings |
£5,000.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£250.00
|
| Property owner liability |
£1,000,000.00
|
| Escape of water excess (minimum) |
£750.00
|
Home Legal Cover
1 product reviewed
MBNA
Legal Expenses
| Feature | Value |
|---|---|
| Limit of indemnity per claim |
£50,000.00
|
| Employment - employee | Yes |
| Property damage | Yes |
| Contract disputes - pursue | Yes |
| Property disputes | Yes |
| Standard advisors cost |
£130.00
|
| Employment - excess |
£0.00
|
| Contract disputes - defend | Yes |
| Data protection | No |
| Jury service - maximum indemnity limit |
£50,000.00
|
Our unique Customer Experience Ratings help consumers find companies that offer a good service.
Credit cards
Ranked 11th of 33 providers reviewed
| Customer happiness score | 59.26% |
|---|---|
| Customer trust score | 57.97% |
| Complaints performance | 78.5% |
| Transparency rating | 68.84% |
|
Fairer Finance Score Reviewed Autumn 2026 |
66.14% |
Home emergency cover
Ranked 13th of 23 providers reviewed
| Customer happiness score | 45.25% |
|---|---|
| Customer trust score | 50.86% |
| Complaints performance | 62.3% |
| Transparency rating | 88.2% |
|
Fairer Finance Score Reviewed Autumn 2026 |
61.65% |
Home insurance (building and contents)
Ranked 22nd of 47 providers reviewed
| Customer happiness score | 53.9% |
|---|---|
| Customer trust score | 49.06% |
| Complaints performance | 71.54% |
| Transparency rating | 84.06% |
|
Fairer Finance Score Reviewed Autumn 2026 |
64.64% |
Personal loans
Ranked 13th of 22 providers reviewed
| Customer happiness score | 62.15% |
|---|---|
| Customer trust score | 58.16% |
| Complaints performance | 77.67% |
| Transparency rating | 67.48% |
|
Fairer Finance Score Reviewed Autumn 2026 |
66.36% |