Looking to reduce credit card interest and simplify your repayments?
MBNA Long Balance Transfer Credit Card: benefit from up to 31 months of 0% interest
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With the MBNA Long Balance Transfer Credit Card, you can consolidate your existing credit card balances and enjoy up to 31 months of 0% interest with no annual fee. It's the perfect tool to manage repayments more easily while avoiding additional interest. Apply online quickly and check your eligibility without affecting your credit score!
With the MBNA Long Balance Transfer Credit Card, you can consolidate your existing credit card balances and enjoy up to 31 months of 0% interest with no annual fee. It's the perfect tool to manage repayments more easily while avoiding additional interest. Apply online quickly and check your eligibility without affecting your credit score!
How Tom turned debt into opportunity with the MBNA card
Just like Tom, this credit card could help you regain financial control and make smarter repayment decisions:
Tom had accumulated credit card debt on three separate accounts. The interest was stacking up, and monthly payments were getting overwhelming.
After researching his options, Tom discovered the MBNA Long Balance Transfer Credit Card and saw that he could transfer all his balances to one place — with no interest for over two years.
Using MBNA’s Clever Check, he confirmed his eligibility in minutes and applied online. The process was fast, and he received his card within days.
Once the transfers were complete, he focused on consistent repayments without worrying about mounting interest.
Tom used the MBNA mobile app to track his balance and manage payments with ease. He was finally making progress.
Now, Tom feels in control again, and you can too — with the right credit card choice.
Want to know more about the MBNA Long Balance Transfer Credit Card? Check out our FAQs below for detailed answers to common questions.
The MBNA card offers one of the longest 0% interest periods on balance transfers in the UK — up to 31 months. It’s ideal for consolidating multiple balances into a single, manageable monthly repayment without worrying about interest during the promotional window. The absence of an annual fee makes it even more accessible. Plus, digital account management and UK-based support offer extra convenience.
Once approved, your card typically arrives within a few business days. You can begin managing your account through MBNA's app or online services as soon as you receive and activate it. Your balance transfer can also begin processing the next working day, giving you quick access to the promotional benefits.
You can transfer multiple balances from other credit or store cards, as long as the total amount doesn’t exceed your approved credit limit. Keep in mind the balance transfer fee and leave some available credit. Ensure all transfers are made within 60 days to qualify for the promotional rate and avoid higher fees later.
Missing a payment could lead to the cancellation of your 0% promotional rate. You may also be charged late fees, and your credit score could be negatively affected. Setting up a Direct Debit can help avoid this. Staying consistent with payments ensures continued access to the promotional terms and avoids penalties.
Yes, you can, but it's not ideal. Purchases aren’t included in the 0% interest offer, so unless you pay off your full balance each month, they will incur interest at the standard rate. Consider using a separate card with a purchase offer if you need interest-free spending flexibility.
This card is best for those with a good credit history. If you're looking to improve or build your credit score from scratch, a product like the Aqua Classic Credit Card may be more suitable. Responsible use of any credit card, including on-time payments and keeping balances low, can help improve your score over time.
Yes, a 3.49% fee applies to balance transfers made within the first 60 days. After that, a 5% fee applies. It's important to act within the promo window. Though there's a cost upfront, the extended 0% interest can result in long-term savings compared to paying interest on multiple cards.
No, this card is focused on balance transfers. Any new purchases will be subject to the standard APR of 26.9% variable unless paid in full each month. If you're looking for interest-free spending, a purchase credit card may be more suitable for your needs.
No, MBNA does not allow transfers between their own products. You’ll need to transfer balances from non-MBNA cards like Visa, Mastercard or Amex. This ensures you’re using the card as intended — for transferring external balances and consolidating debt from other providers.
Choosing the right credit card can be a key step toward financial stability. MBNA offers tailored options that fit well for those with solid credit profiles.
Beyond its promotional rates, MBNA provides digital support and quick processing, making the experience smooth and manageable for users focused on efficient debt control.
For the latest information on rates, eligibility, and transfer timelines, it’s essential to consult the official MBNA website and confirm all details before applying.
Click the button below to visit MBNA directly, access real-time updates, and take the first step toward simplifying your credit repayments today.
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MBNA Balance Transfer Credit Cards
0% interest period£0 annual fee
Take control of your finances today! See your MBNA balance transfer options and start simplifying your credit card payments.
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