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MBNA: Credit Card reviews

Name: Credit Card
Rating: 3.17 (195 reviews)

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2.77

Based on 195 reviews, last reviewed 28th Jun 2025

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

41%

12%

36%

Latest highest rating:

5

MBNA actually care about the person at the end of th... MBNA actually care about the person at the end of the line. They are easy to deal with and genuine Reviewed on: 12th June 2025

Latest lowest rating:

1

I rang customer service to report a scam that I had... I rang customer service to report a scam that I had endured and because the company exists they couldn’t help what happened was I did a survey on soci... Read more Reviewed on: 28th June 2025

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About this product

MBNA (a Bank of American company) is a leading supplier of credit cards in the UK. With a range of credit cards to choose from (including balance transfer cards, reward cards and charity cards), reading MBNA Credit Card reviews can help you to find out what other consumers are saying about MBNA. You can write your own MBNA credit card review at Smart Money People by clicking the write review button.

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MBNA Credit Card reviews (195)

Easy to understand, no nonsense

I've had an MBNA Credit card for quite a few years now and found dealing with MBNA to be very easy. The Credit limit for the card is very low by comparison to others, however it's a reasonable interest rate and the MBNA app makes it very easy to manage everything in an easy to understand, no nonsense fashion. I have only contacted MBNA customer services in relation to a personal loan but they were very helpful and friendly when I spoke to them. I would recommend MBNA with family and friends but be mindful that the credit limits offered do seem to be lower by comparison to other companies. Reviewed on: 2nd June 2023

Helpful

Been with MBNA for years. Always helpful when you have a query Reviewed on: 2nd June 2023

Helpful business with good rates

Very helpful when trying to refinance some debts with a good interest rate Reviewed on: 1st June 2023

WORST CREDIT CARD EVER

I have had this card for a while, mostly for Amazon purchases. It has a $10,000 limit and I prepaid $6,000 on the card for an upcoming $13,000 charge. It was rejected, despite my prepayment and I am told that is because of the $10,000 limit! What? So now to get my prepaid $6,000 back will be a long time. I am cancelling this card as it has been rejected several times and now even though I have prepaid $6,000 on the card. I am fed up! Reviewed on: 13th May 2023

They blocked my card for suspicious activity

They blocked my card for suspicious activity because i was travelling in Florida. I called MBNA the lady transferred me to a special department. Waited over an hour on-hold absolutely nuts. You need a are card when travelling and this line should be answered immediately so the issue can be rectified. Will definitely be cancelling this card. Zero customer support. Capitol One is the best budget card. Reviewed on: 17th April 2023

Terrible

If I could, I'd give -5 stars. One time i asked for an extension to my 0% interest and they close one of my accounts and lowered my credit limit SIGNIFICANTLY on another. Im told they sent a letter I didn't get the letter, and I still haven't been told why? I asked for a 30 day interest free extension as I was struggling to pay it all back on the date my 0% balance transfer expired. I needed 2 weeks actually, but the man I spoke to, for god knows how long, and after MANY times of explaining my situation, he finally understood. He assured me that my account wouldn't close or change. Then I see one of my credit cards have closed and another one lowered. I've never been late with any payments. I've always paid on time. I've had these accounts for a while. One time I asked for an extension, and my loyalties are paid with closed account and one account limit lowered!!!! My loyalty clearly meant nothing and being a customer for so long. Terrible service and an even worse way of retaining customers. Also, hire people who understand you when you speak! Reviewed on: 6th April 2023

slovenly, lazy service

MBNA’s website and app are atrocious, and their customer service isn’t any better. The app doesn’t use any form of input validation. The designers are lazy and in no way customer-focused. Reviewed on: 6th April 2023

Good rate and easy use

Competitive rate with credit card, low interest thereafter interest free period. Could have been notified as to when that period was up as I had to look myself after being charged interest. Balance amount increased with no hassle and all on the app. Reviewed on: 5th April 2023

NEVER RECCOMENDED THIS BANK

I closed my account because of very high interest rates,after 1 year i called them to send it to me my old statements (because of yearly tax) they said we r not send email just regular mail and we charge 2$ every each statement!! Omg. Reviewed on: 17th March 2023

Scamster Scumbags

They double charged me for 5000$. They have taken money from my bank and have still reported for late payment. Their phone number has changed and they havent even updated their website. Name one serious bank who would do that. I had to call 8010 to get their actual number. They have no physical presence. The agents that talk to you on phone are scumbags who would be serving prison sentence if unprofessionalism were a claim. You have all red flags of a filthy business with mal-intentions. Stay the hell away from them if you care about your future. Reviewed on: 14th March 2023

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