Mbna Internet Banking Terms and Conditions New
Mbna Internet Banking Terms and Conditions New
Mbna Internet Banking Terms and Conditions New
Services
agreement
Online Services
agreement
This agreement is made up of these Online
Services terms and conditions, and the
Additional Services terms and conditions.
In this agreement:
• ‘you’ are the customer who has registered for Online Services;
• ‘we’ are MBNA Limited;
• ‘product’ can mean any account, policy, plan or service you can access using
Online Services.
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1. This agreement
1.1 This agreement applies to your use of Online Services and any Additional Services. If there
are any inconsistencies between the Online Services terms and conditions and the Additional
Services terms and conditions, the Additional Services terms and conditions will apply.
1.2 Unless we tell you otherwise, this agreement doesn’t change any of the terms and conditions
that relate to the products you access through Online Services. We have separate agreements
with you for these. If we tell you that any of this agreement’s terms apply to a product you use
but it conflicts with a term in your product agreement, the term in this agreement will apply.
2. Charges
2.1 We don’t charge you to use Online Services or the Additional Services but your network operator
or internet provider may charge you for using their services when you access them.
2.2 Any charges that apply for making transactions using Online Services will be made under your
relevant product agreement, not this agreement. This is explained in the information we give you
about the product.
4. Joint products
4.1 You can use Online Services to access any joint products you have. You may be able to give us
instructions about them independently of the other account holders. Each person must register
separately for Online Services.
7. Security
7.1 We will ask you to confirm your identity when you log in and before we accept certain
instructions you give us through Online Services. We may also rely on some of the security
functions on the devices you use when you access Online Services, such as location data and
biometric tools. From time to time we may apply additional security checks to help confirm
your identity.
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7.2 We may use software and other technology to help us identify you, and to detect viruses or
malicious software (malware) on the computer or device you use to access Online Services. If we
detect these things, we may suspend, restrict or block your access to Online Services or the use
of your security details. If this happens, you may not be able to access some or all of our Online
Services again until you have removed the viruses or malware. If we tell you that you should use
new security details to access Online Services, you must do so.
7.3 You must always keep your security details secure and not share them with anyone, including
any joint product holders. You must also ensure that only your biometric information
(such as your fingerprint when using Touch ID) is registered on any devices you use to
access Online Services. We’ll never phone, text or email you asking for your password or
memorable information.
7.4 You may use third party providers who offer account information services or payment initiation
services (or both) so long as:
• they’re authorised by law;
• they’re open and transparent about their identity;
• they’re acting in line with the relevant regulatory requirements.
If you are thinking of using a third party provider, you should check it is authorised before you
use it.
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8.5 We may de-register you or suspend your use of Online Services or security details for security
reasons if you haven’t used them for more than 30 days, or if you don’t hold any products you
can access through Online Services. If we do this, you can ask us to reactivate them but you may
need to re-register.
8.6 If possible, we’ll contact you before suspending, restricting or blocking your access to tell you
we’re doing so and why. We explain how we may contact you in section 11 of this agreement.
However, we may not always be able to contact you, for example because of legal or
regulatory restrictions.
8.7 You must not use Online Services or any software we provide (e.g. our app) except for your
own use. You may not adapt, alter, modify, copy or reverse-engineer it or allow someone else
to do the same.
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11. How we’ll contact you
11.1 If we need to contact you about Online Services or the Additional Services, we’ll normally do so
through your Online Services secure inbox. We’ll never change any documents held in Online
Services after we have sent them.
11.2 We may also communicate with you in any other way that is personal to you. This may include
email, SMS, post, online notifications or any other appropriate messaging service. Once we’ve
sent you a message, we’ll assume you’ve received it.
11.3 You must tell us if your name or contact details change, including any email addresses, mobile
phone numbers or other contact details. If you don’t tell us, we won’t be responsible if we can’t
contact you or we use outdated contact details to send you information.
13. Complaints
13.1 If you have a complaint about Online Services, please contact us using the details available
within Online Services or on our website. We’ll send you a written acknowledgement within five
business days and keep you informed of our progress until your complaint has been resolved.
We’ll do everything we can to sort out the problem.
13.2 If you remain dissatisfied, you may be entitled to refer your complaint to the Financial
Ombudsman using the contact details below:
Financial Ombudsman Service, Exchange Tower, London E14 9SR
0800 023 4567 or 0300 123 9123
complaint.info@financial-ombudsman.org.uk
www.financial-ombudsman.org.uk
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Legal information
MBNA Limited. Registered Office: Cawley House, Chester Business Park, Chester CH4 9FB. Registered
in England and Wales under company number 02783251. Authorised and regulated by the Financial
Conduct Authority. MBNA Limited is also authorised by the Financial Conduct Authority under the
Payment Services Regulations 2017, Register Number: 204487 for the provision of payment services.
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Additional Services
Paper-free statements and correspondence
These paper-free statements and correspondence terms apply to products you access through
Online Services.
1. When you are registered for Online Services, we may send information about the products you
can access through it electronically rather than on paper. You can tell us if you would prefer to
receive this information on paper, but this may not be appropriate for some types of product or
for all information we send. For example, updates to the Online Services agreement may still be
sent electronically regardless of your paper-free preferences.
2. If we send you information electronically, we’ll do this by posting it in Online Services or sending
it to your Online Services secure inbox. Any information you receive through Online Services will
be in PDF, HTML or a similar format, that allows you to keep or download it. Your statements and
correspondence contain important information, so we encourage you to keep a copy of them in
a way that allows you to refer to them again in the future.
3. If you have a joint product and one of you registers for Online Services, we may send information
about that product electronically through Online Services. If this happens, it means we will not
have to send information on paper to any person for that product.
Before you register for Online Services, you must first make sure all joint product holders agree
you can do this. We’ll write to them to confirm the change and stop sending information on
paper. If they are not registered for Online Services and hold an eligible product, they can sign up
to the service to receive the information electronically.
4. If you ask us to change your product from one type to another, your agreement to receive
statements and correspondence electronically will also apply to your new product unless you tell
us otherwise.
5. We may still send you some or all of the information relating to your products on paper. For
example, we may not be able to provide all of your statements or correspondence electronically
and it may not always be appropriate for us to do so.
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Smart Rewards
1. Eligibility
1.1 To be eligible for Smart Rewards you must:
a) be over 18;
b) have a credit card with MBNA;
c) be registered for Online Services.
1.2 You’ll normally need to activate individual offers before you can earn cashback, but some offers
we may activate for you.
2. Receiving cashback
2.1 Cashback you earn will be paid in line with the conditions that apply to the offer.
2.2 We will normally pay cashback from credit card offers into your credit card account on or before
the last working day of the month after the month we receive details of your payment. This may
be in a different month from when you made the payment – see example:
• Friday 28 August – an offer is activated.
• Sunday 30 August – you make a transaction that qualifies for £10 cashback.
• Tuesday 1 September – we receive details of the transaction.
• Friday 30 October – we pay £10 cashback to your account.
2.3 Cashback will act as a credit and reduce any balance showing on your account. It will not replace
or reduce your credit card minimum payment for that month, unless the cashback amount
reduces your outstanding balance to less than your minimum payment. Details can be found
in your credit card terms and conditions.
2.4 Working days are Monday to Friday, except bank holidays.
2.5 If you have more than one credit card with us, you can change which account we pay the
cashback into. Otherwise we will pay it into the account that’s been open the longest.
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5. Stopping the service and withdrawing or changing offers
5.1 We can temporarily or permanently stop you using the service immediately and withhold any
unpaid cashback if we reasonably believe that:
5.1.1 you’re abusing the service;
5.1.2 you’re trying to gain cashback by fraudulent or other illegal means.
5.2 We may withdraw the service by giving you two months’ notice. If you have not broken this
agreement, we will still pay you any cashback you have earned on transactions made up to the
date we withdraw the service. You will not be able to earn any more cashback after this point.
5.3 We try to ensure that the information in the offers is accurate. If there are any errors in an offer,
we may withdraw or correct it. This will not affect any offers we have already fulfilled.
5.4 We may withdraw offers at any time. This won’t affect any cashback you have earned if you
made a purchase before the offer was withdrawn.
6. Liability
6.1 We’re not responsible for any loss, cost or charge you incur if Smart Rewards is unavailable or
affected by an issue that is beyond our reasonable control.
Mobile alerts
What are mobile alerts?
Mobile alerts include any mobile alerts services we offer and any service messages we may send to
your mobile phone or other devices.
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Card freezes
What are card freezes?
Card freezes give you more control by allowing you to select how and where your card can be used.
1. Eligibility
1.1 To set up a card freeze, you must hold an MBNA Limited credit card. The availability and features
of each card freeze may differ.
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If you need this communication in another
format, such as large print, Braille or audio CD,
please contact us.
You can call us using Relay UK if you have a hearing or speech impairment. There’s more information
on the Relay UK help pages: www.relayuk.bt.com
SignVideo services are also available if you’re Deaf and use British Sign Language:
mbna.co.uk/accessibility/signvideo
If you need support due to a disability please get in touch.
MBNA Limited. Registered Office: Cawley House, Chester Business Park, Chester CH4 9FB. Registered in England
and Wales under company number 02783251. Authorised and regulated by the Financial Conduct Authority.
MBNA Limited is also authorised by the Financial Conduct Authority under the Payment Services Regulations
2017, Register Number: 204487 for the provision of payment services.
For personal (unsecured) loans, MBNA Limited:
• Works exclusively with Lloyds Bank plc.
• Is a credit broker and not the lender.
MBNA is a trading style of Lloyds Bank plc. Lloyds Bank plc Registered Office, 25 Gresham Street, London
EC2V 7HN. Registered in England and Wales number 2065. Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number
119278. Lloyds Bank plc adheres to the Standards of Lending Practice, which are monitored and enforced by the
Lending Standards Board: www.lendingstandardsboard.org.uk
If you want to make a complaint, you’ll find helpful information at: mbna.co.uk/support/complaints-procedure
To speak to us, call 0800 015 0375 or +44 (0)1244 757 129 from abroad. Lines open 24/7.
Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available
24 hours a day, seven days a week.
This information is correct as of August 2023.