Billing and Payments
- How do I make a payment to my MBNA account?
- My payment is not showing on my account—what should I do?
- What happens if I cannot make my payment?
- I do not recognise a transaction on my account.
- How do I cancel a purchase on my account?
- What is a pending transaction?
- Why have I received an overlimit fee charge?
- Why have I received a late fee charge?
- Why have I been charged retail interest?
- How can I get payment protection?
- What can I do if I experience financial difficulties?
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24/7 Customer Service
1800 409 511
All our phone numbers
How do I make a payment to my MBNA account?
You can make payments by direct debit, by post, at a post office or via telephone banking. Details are available in the Contact Us section of this website.
My payment is not showing on my account—what should I do?
Please allow 7 days for your payment to reach your account. If the payment has still not credited, check with your bank. If the payment has cleared your bank account but has not been credited to your credit card account, call us on 1800 211 423, 9 a.m. to 6 p.m., Monday to Friday. Please have the following information ready: your bank sort code, your bank account number, the cheque number, the amount paid and the date the payment debited your bank account.
What happens if I cannot make my payment?
If you have simply overlooked a payment, learn how you can make a payment now. If you are over your credit limit, make sure your payment covers any interest. You may incur fees if you do not maintain your payments and keep your account up to date.
For future peace of mind and to avoid late fees, set up a direct debit on your account to pay the minimum payment due. Simply access our secured Online Banking service or contact us on 1800 409 511 to set your direct debit up over the phone.
I do not recognise a transaction on my account.
If a transaction is showing on your statement that you believe is incorrect, please check if any authorised users on your account have carried out the transaction. Also, check the merchant details on Online Banking. Simply open the required statement and click on the Merchant Category Code link next to the transaction. Please note that companies may charge under a different name (e.g. their parent company). If you still do not recognise the transaction, our Billing Enquiries team is available 9 a.m. to 6 p.m., Monday to Friday, on 1800 211 423. Please notify us within 30 days of the statement date.
How do I cancel a purchase on my account?
As your credit card is a guaranteed method of payment, you will need to contact the merchant directly to cancel a transaction.
What is a pending transaction?
A pending transaction is a transaction that has been approved but not yet been officially posted to your account. The value of the transaction will have been deducted from your available credit limit. Normally, a pending transaction converts into an actual transaction. However, a pending transaction may expire if the merchant does not complete the transaction.
Why have I received an overlimit fee charge?
As detailed in our terms and conditions, we will charge a fee to cover our costs on each occasion that your account balance exceeds your credit limit. You can monitor your account balance at anytime through our secured Online Banking service.
Why have I received a late fee charge?
As detailed in our terms and conditions for your account, we may charge a fee each time at least the minimum payment has not been credited on to your account by the payment due date. We ask that you send this payment 5-7 working days before the due date so that a late charge is not incurred. Information regarding payment methods can be found on the reverse of your monthly statement. You can monitor your payments at anytime through our secured Online Banking service.
Why have I been charged retail interest?
If the full balance on a statement is not paid by the due date, retail interest will be charged on a daily basis, on all outstanding retail transactions from the transaction date until the date of full repayment. There is no interest free period for old or new purchases if your balance is not paid in full. Consequently, interest will continue to accrue on the remaining retail balance from the date of your part payment until full payment is credited to your account. For your information, you can view your account and make payments online through Online Banking.
How can I get payment protection?
If the unexpected happens and you find that you can't pay your credit card bill because of an accident, sickness, involuntary unemployment or other event preventing a full time career, MBNA's Payment Protection Cover can pay 3% of your outstanding balance at the date of claim or €13 each month whichever is the greater. In the event of your death, it can pay off your entire balance up to €31,750. To apply for Payment Protection Cover, access our secured Online Banking service, go to the "Insurance" section and submit a secured request online.
What can I do if I experience financial difficulties?
If you are in genuine financial difficulty, it's in all our interests to get it sorted out. Call one of our account specialists on 1800 409 511. The earlier you contact us, the sooner we can establish a solution.
If you have recently changed your address and telephone number, please update your contact details online through our secured Online Banking service or, alternatively, call us on 1800 409 511.
If your life circumstances have changed, such as losing your job or becoming ill, check your statement to see if you have payment protection coverage on your account. If so, your repayments could be covered.
Besides MBNA, you can also get free help and advice from the following independent organisation:
| Money Advice and Budgeting Service www.mabs.ie |
| If you want information regarding your credit file, you can contact: |
| Irish Credit Bureau ICB House Newstead Clonskeagh Road Dublin 14 www.icb.ie Tel: 01 260 0388 |