Mbna Reviews 

I cancelled a credit card in 2024. On receipt of the offical cancellation letter I cut my card and deleted the app from my phone and laptop. 3 months later they sent me a letter about my account. I called and after much effort on my part explaining what had happened - multiple calls, repeating the same information they said it was cancelled and sent me a letter to confirm. Since then approximately every 3 months they contact me about my account. I then have to go through a ridiculous process to 'cancel'. Every time is treated as the first time, all the recordings and complaints are somehow erased and it's groundhog day all over again. At the start of every call to re cancel I have to start the story again, every time, great relucance to pass me to anyone who can help. Each time they call me back (it takes an average of 3 calls and some emails to resolve) we have to start again. They have no explanation for this, each time they have a new reason but seem unable to fix the problem. On the last ressurection they actually added the card to my bank account for the first time (linked organisations) then told me that this was perfectly normal and it did not mean the card was live - they corrected that on the follow up call. I don't know how to proceed, I have gone through all of their complaint proceedures yet I still have this issue.

Im trying get my charge back since December, I did upload all the documents many times, as they requested, but no answer, this month I did call them and sent again the same documents, they told me that will be refunded in 5 work days, and after that I received another email requesting upload of the documents. Im absolutely frustrated because I didn’t received money back and I wouldn’t recommend this credit card to anyone!!

I was on hold for 1 hour and 20 minutes just for the line to die at 6pm as the customer service line closes after 6pm.

That is an insane amount of time to be waiting for a phone number reset as I changed my number.

Can't access any of my online services.

Shower of shite 45 minutes to Change my bank details kept being told on automated voice I could do it online tried while I waited but after a few bits of info was told can’t do it online got put through to 3 different departments asked the same security question even though I put those in at the beginning will never use them again bloody hopeless

Poor customer service on the phone, takes ages to get through

Very unhelpful advisor ps untrained not letting me claim on my broken iPad and other damage done

I had a Sec 75 dispute via MBNA which I was successful in but MBNA won’t release my funds unless I arrange disposal of the product and provide proof. This isn’t an easy task. The specialist report they said they would pay for hasn’t been paid for. The case handler seems to be deliberately vindicated and waits the requisite five days to reply to each e mail so it is now over six months of unecessary delays. The stress has been immeasurable. The CEO Charlie Nunn needs to know who is working for him. I have made two complaints but the handler is being investigated by her colleagues so nothing happened.

Expect a lack of communication when you occur interest.

When you sign up, they do not tell you they set up a separate DD underwritten by Allianz for Home Emergency cover. I moved home which coincided with the end of the policy, I asked not to auto-renew to end the policy as of the end of January 2026. This did not cancel the Home Emergency cover policy they don't inform you that this auto-renewed. They continued to charge the £4.50/month and then are rude and dismissive on the support chats/phone when you try to find out what has happened. Do not sign up with MBNA, they operate well past the defines of what is legal.

We took out home insurance and home emergency. We had a leak from our roof onto our bedroom ceiling.
It was easy to get hold of the home emergency especially as it was 9.30pm on a Thursday night. Initially the guy on the phone seemed good and said that someone would come out the next day.
I stressed that my partner should be called as I'm not allowed to answer my phone at work. He said he wasn't on the policy although he was on our documents. He wrote down his number wrongly but I made him read it back luckily.
The next day I got a call from the call centre to book in the tradesperson. I said my partner was supposed to be contacted but she said she had no details of him. She refused to read his number back to me because of 'data protection!' Next the tradesperson phoned me and put the phone down on me when I asked that my partner was contacted. Then the tradesperson phoned again as they had been given the wrong address. I gave them the right address.
They turned up at our home but had to sit outside for 40 minutes while MBNA verified that I had given them the correct address. Then they refused to do the repair because the leak was coming from the area around the fake chimney. So it was a waste of time.
MBNA phoned a week later and left a message asking for feedback about how they did. When I phoned back they said they had no record of any claim on their system so didn't know why I was phoning. They said we should have been given a reference number over the phone when we first called and without that they couldn't find us on the system. We hadn't been given this and he said everything we had been sent via text wasn't relevant so he couldn't find the claim. This seems so bizarre as they had contacted me originally for feedback.
I went with this company assuming they would provide a good service but I won't be renewing with them.

Although my statement showed an annual credit relating to my Smart Cashback Rewards this was not credited to my account. I have subsequently attempted to contact an advisor following unsuccessful virtual attempts via the MBNA App. In 4 cases I have been redirected and the call terminated by MBNA every time. After many years I have decided to use an alternate credit card. I do not trust MBNA or Lloyds .

All i wanted to do was find out when my 0% interest rates finishes. The virtual assistant was useless and I can not find anything in my online account. Ask to speak to a representive and no one is ever available. Company fails in every single way. never using them again after this credit card finishes

A couple of weeks before maturity MBNA send an email with a link to choose maturity options. This link I believe deliberatatly doesn't work, leaving no other option other than let the investment mature and then to phone MBNA to hopefully sort the maturity options out. Hopeless company. Invest with them at your peril.

MBNA Home Insurance ,applied for Home Insurance ,when Policy arrived , quite a few Key Choices were ommitted from The Policy Document. Accidental Damage omitted , a Specific Chosen item i.e Bicycle with all relevant Details Chosen. Omitted Cancelled Policy .

Paid loan off early because to borrow more from them was a rip off compared to zopa etc…
Paid 58 days interest as a charge to pay off early..Never again for me.

All I want is a home insurance buildings policy, great difficulty accessing any information on the policy after paying the premium, for some reason Mbna sent me a letter 'about starting banking online' with an activation code! Totally irrelevant and a curved ball because I assumed I needed this to access my home building policy, none the wiser!!

Applied for the MBNA credit card through Supermarket.com after they advertised 1% cash back on all purchases for 12 months after being approved. MBNA would not honour this even though I showed the original advert. Disappointing so I cancelled the card.

Absolutely appalling customer service ! They tried to take an interest payment that wasn`t due. Tried the Chat bot several times to be told it cant answer my issue but I would be contacted. Heard nothing, so went back on the App to find a message saying they had closed my enquiry because I was not online ! Have now closed my account but will not be using this joke company ever again ! Steer clear would be my advice.

been with mbna for alot of years, and they have always supported me through times when needed xxxxxx

Apalling claims process. I raised on online claim with photos, and had an immediate email asking me to 'upload evidence' but nothing more specific. Their website says DON'T get an estimate as they reserve the right to appoint a contractor. Checked with an online chat agent (real person) who confirmed do not get an estimate, wait for Claims Team to contact you. They never did. Chased 2 weeks later via lloydsinsurance email provided by online agent for a claims update, again, no response. Then an automated email one month after raising the claim asking me again to upload unspecified evidence! After a torturous 'press this / press that / have you tried online' call experience and a 20 min wait, got through on the phone today to an agent who to be fair was excellent and called me back within the 15-mins promised. Explained very clearly why the claim would not be allowed, but why not reject it immediately instead of going through this farce and wasting my time? A clear example of how automated online services just make the customer experience intolerable. Will not use them again.