We use cookies to allow us and selected partners to improve your experience and our advertising. By continuing to browse you consent to our use of cookies. You can understand more and change your cookies preferences here.

MBNA credit card review

Find out how MBNA has been rated for its application process, customer service, mobile app and more in our latest credit card customer satisfaction survey

In this article
What do MBNA credit cards offer?  How does MBNA compare with other providers? Is MBNA a good credit card provider?
How we calculate MBNA’s customer score and ratings MBNA credit card FAQs

What do MBNA credit cards offer? 

MBNA boasts a wide range of credit cards including 0% balance transfer and0% purchase deals. 

It’s also one of a handful of providers that offers a 0% money transfer credit card which allows you to shift money from your card into your bank account interest-free for a set time.

Credit is subject to status and terms apply.

How does MBNA compare with other providers?

MBNA achieved an average customer score of 72% in our latest credit card satisfaction survey, placing it joint-12th along with Bank of Scotland, Capital One, HSBC and NatWest.

Credit Cards
MBNA review
Which? customer score
=12th out of 26 credit card providers
The Which? rating for customer satisfaction is based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Become a member to see more scores
  • Unlock more money saving tips.
  • Get access to new money reviews
  • See the best mortgages available to you
£3.99 for first month then £7.99 per month cancel anytime

Is MBNA a good credit card provider?

Our survey also reveals how MBNA customers rated the provider across 10 categories. 

Find out in the table below how MBNA scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service, query handling and complaint resolution.


MBNA credit card customer satisfaction category Star rating
Customer service

4 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges

4 out of 5

Charges for using your card abroad

3 out of 5

Dealing with complaints and resolving problems

3 out of 5

Dealing with queries

4 out of 5

Ability to manage account online

4 out of 5

Ability to manage account by telephone

3 out of 5

Mobile app on a smartphone or tablet

4 out of 5


Star ratings out of five show levels of satisfaction for each category. Where no stars are given, we received too few responses in our survey to award a score.

How we calculate MBNA’s customer score and ratings

We pick those to feature in Which? reviews based on the most popular credit card brands searched for online. 

Customer scores are based on an online survey of the public conducted in May 2021, which received 4,011 responses. Participants could provide answers on up to two credit cards. 

This year’s customer score analysis is based on a sample size of 5,744 credit card experiences in total and represents overall satisfaction as well as the likelihood to recommend the provider to a friend.

Star ratings for each category are calculated independently of the customer score.

We carry out these surveys annually and update our review pages accordingly. Providers must receive a minimum sample size of 50 respondents to be included in our customer satisfaction tables.


MBNA credit card FAQs


Does MBNA offer an eligibility check?


Yes. MBNA Clever Check allows you to see which MBNA credit cards you will qualify for before you apply without impacting your credit score.


Where are MBNA credit cards accepted?


MBNA credit cards are issued on the Mastercard network, so can be used at millions of places in the UK and around the world.


Does Lloyds own MBNA?


Lloyds Banking Group took over MBNA in 2017.

However, there were no changes for customers and the two brands remain distinct from each other. You can still transfer balances from MBNA cards to any existing Lloyds Banking Group brand, including Halifax, Bank of Scotland and Lloyds Bank.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular T&Cs of a provider before committing to any financial products.