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MBNA credit card review

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

In this article
Coronavirus (COVID-19) credit card update What do MBNA credit cards offer?  How does MBNA compare to other providers?  
Is MBNA a good credit card provider? Which MBNA credit card is best? How we calculate MBNA’s customer score and ratings MBNA credit card FAQs

Coronavirus (COVID-19) credit card update


A range of credit card providers are offering to increase limits as well as temporarily waive late payment charges and cash advance fees in a bid to help ease the financial hardship caused by the coronavirus outbreak.

You can find more of the latest updates and advice related to the COVID-19 outbreak over on our dedicated Which? coronavirus information hub.

What do MBNA credit cards offer? 

MBNA boasts a wide range of credit cards including market-leading 0% balance transfer, 0% purchase and 0% money transfer deals.

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

  • You can find out how MBNA’s credit cards compare with other cards on the market with Which? Money Compare.

How does MBNA compare to other providers?

MBNA achieved an above average customer score of 73% in our latest credit card satisfaction survey.

The impressive result has seen the brand jump up the rankings, to secure joint 10th place this year.

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MBNA review
Which? Customer Score
=10th out of 29 credit card providers
Which?'s rating for customer satisfaction, 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.
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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 and query handling.

MBNA credit card satisfaction


Star rating
Customer service

4 out of 5

Application process 4 out of 5
Clarity of statement

5 out of 5

Transparency of charges and penalties 4 out of 5
Dealing with queries

3 out of 5

Dealing with complaints 4 out of 5
Ability to manage online 5 out of 5
Ability to manage by mobile app 3 out of 5
Ability to manage by telephone banking 3 out of 5
Charges for using your credit card abroad

2 out of 5

Which MBNA credit card is best?

You can see how MBNA  stacks up with other credit cards using Which? Money Compare.

How we calculate MBNA’s customer score and ratings

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

Customer scores are based on an online survey of the public, which received 5,621 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

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

These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 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 without impacting your credit score.


Where are MBNA credit cards accepted?


MBNA credit cards are issued on the Mastercard network, so can be used in 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 terms & conditions of a provider before committing to any financial products.