MBNA Long 0% Balance Transfer Credit Card - Apply Online

The MBNA Long 0% Balance Transfer Card lets you transfer balances and repay them interest-free for a set time—ideal for managing UK credit card debt.

This can help lower your monthly payments and reduce your debt faster. 

This guide explains how the card works, what it offers, and how to apply online in the UK.

Key Features

The MBNA Long 0% Balance Transfer Credit Card helps you manage debt with an extended 0% interest period. 

It’s designed to reduce what you owe without extra interest. Here are its key features:

• 0% Interest on Balance Transfers: Enjoy 0% interest for up to 32 months on balance transfers within the first 60 days of account opening.
• Balance Transfer Fee: A 3.49% fee applies to balance transfers made within the initial 60-day period.
• Standard APR: After the promotional period, a variable APR of 24.94% applies to any remaining balance.
• No Annual Fee: There is no annual fee for this credit card.
• Additional Benefits: Access to online account management, fraud protection, and contactless payment options.

What You’ll Pay

When considering this card, it's essential to understand the associated costs to manage your finances effectively. 

Here's a breakdown of what you might pay:

• Balance Transfer Fee: 3.49% on transfers made in the first 60 days. A £1,000 transfer costs £34.90.
• Standard APR: 24.94% variable after the 0% period. This applies to unpaid balances and purchases.
• Late Payment Fee: £12 if you miss a payment. You may lose the 0% rate and hurt your credit score.
• Cash Withdrawal Fee: 5% per cash advance. To avoid this fee, do not use the card for cash.
• Foreign Transaction Fee: 3% on non-sterling purchases. Use a travel card abroad to save.

Who This Card Is Best For

This card isn’t for everyone. It’s built for people who want to shift debt and pay it off without interest piling up. 

Here’s who should (and shouldn’t) consider applying:

Best For:

• People with existing credit card debt need time to repay it.
• Those who can pay off the balance within the 0% interest period.
• Applicants with a good credit history and stable income.
• People who won’t use the card for purchases or cash withdrawals.

Not Ideal For:

• Anyone who tends to miss payments or carry debt long-term.
• People who are planning to use the card abroad often.
• Users who want rewards, cashback, or perks for spending.

What to Prepare Before Applying

Before you start your application, gather a few details to speed up the process and avoid delays. Here's what you’ll need:

• Personal Information: Full name, date of birth, contact details, and 3 years of UK address history.
• Employment Details: Current job title, employer name, and annual income.
• Financial Info: Any monthly expenses or other financial commitments.
• Existing Card Info: Account numbers and balances for the cards you want to transfer from.
• Bank Account Details: This is used to set up direct debit payments.
• ID Verification: This may include a passport, driver’s license, or recent utility bill.

How to Apply Online

Applying for the MBNA Long 0% Balance Transfer Credit Card is straightforward. Follow these steps to complete your application online:

1. Visit the MBNA Website: Visit the MBNA balance transfer credit cards page.
2. Check Your Eligibility: Use the 'Clever Check' tool to determine your eligibility. This soft check will not affect your credit score.
3. Select the Card: From the list of available options, select the MBNA Long 0% Balance Transfer Credit Card.
4. Click 'Apply Now': This will direct you to the secure online application form.
5. Complete the Application Form: Enter your name, address, job info, and income. Make sure you have 3 years of UK address history.
6. Provide Balance Transfer Details: Add card details for any balance you want to transfer. Only Visa®, Mastercard®, or Amex® cards are accepted.
7. Review and Submit: Double-check the information you entered, then submit your application.
8. Await Decision: You'll receive a decision shortly after submission. If approved, your new card will be sent to your registered address.

What Happens After You Apply

Once you submit your application, here's what to expect:

• Immediate Decision: Most applicants receive an instant decision. If additional information is needed, MBNA will contact you.
• Card Delivery: Upon approval, your new card will arrive by mail within 7 to 10 business days.
• Balance Transfer Processing: If requested, MBNA processes transfers after approval. It usually takes up to two weeks.
• Ongoing Payments: Keep paying your old cards until the balance shows on your MBNA account.
• Account Management: After activation, you can manage your card online or through the MBNA app. You can track transfers and make payments.

Real Perks You Get

This card doesn’t offer flashy rewards, but it’s built to help you clear debt smartly. 

Here are the actual benefits you’ll get with the MBNA Long 0% Balance Transfer Credit Card:

• Extended 0% Interest: Pay no interest on transferred balances for up to 32 months.
• No Annual Fee: You won’t be charged a yearly maintenance fee.
• Flexible Balance Transfers: Transfer from most major cards (Visa, Mastercard, Amex).
• Online Account Access: Track spending, payments, and balance transfers anytime.
• Fraud Protection: Covers unauthorized transactions if reported promptly.
• Mobile App: Manage your account, set alerts, and make payments easily.

Common Reasons for Rejection

If your application for the MBNA Long 0% Balance Transfer Credit Card is declined, it may be due to one or more of the following factors:

• Poor Credit History: A history of late or missed payments can negatively impact your creditworthiness.
• High Existing Debt: Carrying substantial outstanding balances on credit cards or loans may raise concerns about your ability to manage additional credit.
• Multiple Recent Credit Applications: Submitting several credit applications quickly can signal financial distress to lenders.
• Low or Unstable Income: An insufficient or inconsistent income may affect your ability to meet repayment obligations.
• Not Registered on the Electoral Roll: Absence from the electoral register can make it harder for lenders to verify your identity.
• Limited Credit History: A lack of established credit accounts can make it difficult for lenders to assess your credit behavior.
• Errors on Credit Report: Inaccurate information on your credit file can adversely affect your application.

MBNA Customer Support

MBNA offers several ways to get help with your credit card or loan. Whether you prefer to chat online or speak to someone directly, here’s how you can reach them:

• Phone Support: Call 0345 606 2062 (or +44 1244 659 005 from abroad) between 8 am and 6 pm, 7 days a week.
• In-App Messaging: Log in to the MBNA Mobile App, tap “Support,” then “Message us” to chat with their virtual assistant or a human adviser.
• Call from App: Use the “Call us” feature for quick access without searching for numbers or passwords.
• Online Help Centre: Visit the MBNA Help & Support page for FAQs, guides, and tools to manage your account.

The Bottomline

The MBNA Long 0% Balance Transfer Credit Card is a solid way to manage and reduce debt without interest. 

If you plan carefully and pay on time, you can progress toward financial control.

Are you ready to take the next step? Apply online today and start clearing your balance smarter.

Disclaimer

Rates, fees, and promotional periods mentioned are subject to change and depend on your financial circumstances and credit approval. 

Always review the latest terms and conditions on the official MBNA website before applying.