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Review summary

Created with AI, based on recent reviews

Most reviewers were let down by their experience overall. Many people were dissatisfied with the customer service, finding it appalling, unhelpful, and difficult to reach a real person. They also encountered issues with payments, including incorrect charges and problems with credit. Customers frequently reported problems with the service, describing it as rubbish and disorganized. The staff were often perceived as unhelpful and robotic, and many found it impossible to contact anyone directly, often being redirected or experiencing terminated calls. However, some customers also noted positive experiences with the fraud team, receiving excellent support and quick resolution for unauthorized transactions. A few other people also felt that the company provided good support during difficult times.

What people talk about most

Payment

People report negative experiences with payment. Many consumers express dissatisfaction with hidden charges,... See more

Customer service

Customers had negative experiences with customer service. Many reviewers reported difficulties reaching a... See more

Service

Reviewers highlight negative aspects of service, with many customers expressing dissatisfaction. Consumers... See more

Staff

Clients share negative opinions on staff, frequently citing issues with unhelpful and untrained employees.... See more

Customer communications

Users describe negative interactions with contact, primarily due to difficulties reaching customer service.... See more

Reviews shaping this summary

Rated 1 out of 5 stars

Cancelled my policy by letter, no attempts to contact. Found out by accident when old address post collected. Called the back office team 'to be honest we dont sit around all day waiting for policies... See more

Rated 1 out of 5 stars

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 the... See more

Rated 1 out of 5 stars

Online only insurance no booklets sent out bank statements don't even say MBNA took a while to find out who I took insurance out with made a claim work van damaged my drive because there was more than... See more

Rated 1 out of 5 stars

I took out the insurance yesterday. Then received a confirmation and policy number. As advised in the email I went online to register. Go through the system until at the end advised when asked to call... See more


Company details

  1. Card Processing Service
  2. Bank
  3. Financial Consultant
  4. Non-Bank Financial Service

Information provided by various external sources

Apply online for a wide range of credit cards at competitive rates from MBNA. Find the right personal or business credit card for you


Contact info

1.3

Bad

TrustScore 1.5 out of 5

2K reviews

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Rated 1 out of 5 stars

Do not use this company for household insurance

I took out the insurance yesterday. Then received a confirmation and policy number. As advised in the email I went online to register. Go through the system until at the end advised when asked to call a number which asks if credit card or savings. At no time on the system is the fact that household insurance cannot be managed online. I had to call a claims number to access the information. I have just looked at the reviews and am going to cancel the policy. I didn't check reviews thinking that a Lloyds company wouldn't have such problems!

January 9, 2026
Unprompted review
Rated 1 out of 5 stars

I tried to talk to some one about my…

I tried to talk to some one about my renewal home insurance what a waste of time they are no help what so ever .kept sending me here there and every we’re even links to use again waste of time it kept sending me back to chat .so I am now hunting for a new insurance company.its not a good insurance company to be with no help at all from them

January 10, 2026
Unprompted review
Rated 1 out of 5 stars

Poor operating system.

The MNBA system doesn't allow me to pay for house insurance annually. Annual or monthly options are offered but when I click annual it wouldn't move to payment unless I filled in the direct debit details. Monthly is more expensive so I will be using another provider. Waste of my time.

January 9, 2026
Unprompted review
Rated 1 out of 5 stars

Terrible and won’t back you in fraud

Just awful. I’ve had non stop issues with MBNA from day one. The customer service is terrible.

The nail in the coffin was losing £110 deposit to a car hire company. MBNA initially refunded my money, then decided they didn’t legally need to protect me in this instance, and took it back. Now with the ombudsman.

January 2, 2026
Unprompted review
Rated 1 out of 5 stars

Awful

Awful, cannot get hold of them. Total waste of money... worth paying a bit more per month for a more reputable company

January 6, 2026
Unprompted review
Rated 1 out of 5 stars

Probably the worst customer service…

Probably the worst customer service I've seen in years. I'm about to clear the balance on this card and close my account, I can't tell you how annoyed I am by them simply ignoring your ongoing chat, really not good enough. God forbid you're the victim of fraud here, you won't be getting any help. I've just spent 24 hours trying to close my account, which is impossible to do. They tell you to contact their crappy chat service, which is either AI or a person with half a funtioning brain. It's part of 'Lloyd's", so I'll be closing my Lloyd's account shortly also.

January 5, 2026
Unprompted review
Rated 1 out of 5 stars

Time consuming not only damages your clients but your agents too.

My account was stopped as there had been an illegal finger print. As I am the only person to use it from home as I am house bound I wasn’t worried just aggravated that this had to be correct.
I received a letter with a one time Password and instructions and had several attempts but it did not have any relevance to the situation.
Rang agent One who asked me to open my App which could not be done as no finger password. Already established. I told the agent he would need patience as I am elderly and he OK’d that but hung up after 25+ minutes. His questions were useless anyway.
I then phoned again and there was an Indian accent on the phone which I find very difficult as do many people I know as we do not have many in this area. Call abandon.
Third agent was a Scottish lady of mature years who was amazing. She found the correct questionnaire and I held my breath. We got to last question and we both were so very very happy. I thanked her for her professionalism and for being so patience and apologised for taking so long.
GUESS WHAT
another form asked for a code to be sent to my mobile phone. Could it be real, am I hallucinating - NOPE. I don’t use my mobile just my land line so don’t keep tabs on it and I finally gave up the will to live.
The amount of pressure and repetition is exhausting and I for one ended up crying.
O well MBNA, goodbye I don’t need you.
We had a large balance which we used for large purposes but no longer needed.

January 3, 2026
Unprompted review
Rated 1 out of 5 stars

The rating on this bank is damning yet…

The rating on this bank is damning yet they receive awards is anyone listening to the customers. I have been with them many years and can honestly say they have absolutely no loyalty to customers. Their interest rates are appallingly high with the only offers ever made is to transfer balances from other credit cards to this disgustingly high interest rate. I once phoned asking if there are any offers to transfer to a lower rate. He arrogantly told me I pay the same as everyone else so if they had to pay those rates why shouldn't I. I have since treble my payment to get rid after 20 years.

January 2, 2026
Unprompted review
Rated 1 out of 5 stars

The absolute worse Company for Home…

The absolute worse Company for Home Insurance - my claim started in June it’s now Christmas and still nothing achieved. Absolute low life’s , they just messing me around now gone higher.
Stay away from this gutter service company absolutely disgusting and disgraceful service.

December 23, 2025
Unprompted review
Rated 1 out of 5 stars

Claim process will make you cry!

Got burgled, property damaged and theft of personal items. Thought things couldn't get any worse. MBNA actively state how easy it is to claim online. It's not. You can not save any part of the claim so you need to have EVERYTHING to hand including receipts, quotes , photos , police report etc. Obviously, you dont know what is required until you start the claim. Very frustrating to get almost to the end and then be told you need something else that you haven't got, so everything you've entered is lost. Unbelievablely hard to enter items that have been stolen. Each item has to be entered individually going through a ridiculously tedious process. After an hour and 50 minutes we had finally entered everything and clicked on submit ... only to receive a message that the service was down and to try later! This happened repeatedly until eventually it told us our session had timed out and, 'for our security' , no information had been saved. Tried calling, 15 mins to get past their automated system telling us how much easier it would be to submit our claim online (including sending us a txt message with the link), finally the phone rung, message said the wait was over an hour because of the storm(?). Stayed on the line for god knows how long with the same message being replayed until eventually, it just cut us off. Will try again but lets be honest, its diabolical service.

December 22, 2025
Unprompted review
Rated 1 out of 5 stars

Owful emergency claim

I had a brake-in on the 13th. It has been more than a week no response to a claim. The emergency lock repair company is chasing me and MBNA contact number called twice they put the phone down after waiting for 20 minutes. This is a waste for such a big name.

December 22, 2025
Unprompted review
Rated 1 out of 5 stars

Appalling customer service

Appalling customer service - you have to wait at least 30 minutes before getting a reply to a message and then instead of staying with the chat, the agent goes to other ones and you have to wait another 10-15 minutes for the next response. When I did get responses, they ignored what I was saying and just told me to use a different card. Utterly hopeless.

December 19, 2025
Unprompted review
Rated 1 out of 5 stars

Not a good company to get a loan from

Not a good company to get a loan from. The app is a nightmare to log in to. Security is over the top. You also cant make extra payments online, you have to phone up every time. Not impressed

December 17, 2025
Unprompted review
Rated 1 out of 5 stars

Not surprised at the low ratings.

Not surprised at the low ratings.

How can they block a payment that you have used the card and pin to make the payment. Customer service then said I have to speak to the fraud team for a transaction they rejected. Wasting my time!!! Will be closing my account ASAP

December 14, 2025
Unprompted review
Rated 1 out of 5 stars

Useless - you never can get through to them

I have tried to make a payment online - via their link -- it does not work when you enter your policy number - and this happened the last three times. When you request a callback - they do call you back but then put you through to another line with a long wait time and .. so it goes .. avoid -- useless.
If you cant even get through to make a payment, their links dont work and callback-request results in another long wait before transfer .. then forget it !! they'd be useless for a claim - just like being uninsured

December 12, 2025
Unprompted review

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