You should not have to worry about your credit card security and privacy. At MBNA, we have taken specific measures to make sure your valuable information remains protected. With MBNA, you won't be held responsible for any unauthorized use of your credit device (i.e. card plastic), PIN or account number, provided you take reasonable steps to protect each of them against loss and theft and you cooperate fully with any investigation into any such unauthorized use. You can feel comfortable knowing your information is being valued and protected. See your Account Agreement for full details.
You should not have to worry about your credit card security and privacy. At MBNA, we have taken specific measures to make sure your valuable information remains protected.
With MBNA, you won't be held responsible for any unauthorized use of your credit device (i.e. card plastic), PIN or account number, provided you take reasonable steps to protect each of them against loss and theft and you cooperate fully with any investigation into any such unauthorized use. You can feel comfortable knowing your information is being valued and protected.
See your Account Agreement for full details.
Your security is a top priority at MBNA. Our real-time fraud detection system monitors your account 24/7 days a week for any transactions that appear out of character or that we suspect may be fraudulent. Here are the key features you will get with your MBNA credit card:
- MasterCard® Zero Liability: As a MasterCard® credit card cardholder, you will not be responsible for unauthorized purchases made in the store, over the telephone or online. (Some conditions apply; see your Account agreement for details)
- Card Verification Code (CVC): All our credit cards use a CVC code that can normally be found on the signature strip on the back of a credit card (the last 3 digits). The purpose of this is to verify that the genuine credit card is being used to make the purchase.
- Chip & PIN: We continue to convert all of our credit cards to Chip & PIN technology, one of the most secure ways to pay by credit or debit card. Instead of a signature, you will be asked to enter a 4-digit Personal Identification Number (PIN) known only to you. Learn more about Chip & PIN.
- MasterCard SecureCode™®: This MasterCard service offers an additional level of security when shopping online. You will create a password that can be used like a PIN when shopping online with participating retailers. Learn more about MasterCard SecureCode®™.
Expand What is Chip & PIN security?
Expand What is a Chip & PIN credit card and how does it work?
The introduction of Chip & PIN involves embedding a microchip into your credit card. The encrypted chip securely stores and processes data and provides enhanced security and protection to help guard against fraud.
Chip & PIN credit cards are virtually impossible to copy due to the encrypted chip in the card. When used at retail locations and automated teller machines (ATMs) with chip-enabled terminals, the system validates the chip as well as your PIN. This provides you with an extra layer of security above and beyond the chip, because your PIN is unique to you. Chip & PIN credit cards are the future of electronic payments.
Expand Are Chip & PIN credit cards more secure than other credit cards?
Yes. The encrypted chip from the Chip & PIN credit card includes a range of security measures that work together to provide multi-layered protection against fraud. The enhanced security features of Chip & PIN credit cards also make them virtually impossible to replicate and therefore less likely to be a target for criminals.
In addition, MBNA's fraud detection systems continue to protect you around-the-clock and, as an MBNA customer, you also have the option to enroll in programs such as MasterCard SecureCode®™ for even more security and peace of mind.
Expand Where can I use my Chip & PIN credit card?
Expand How can I use my Chip & PIN credit card to make a purchase?
When making a purchase using your chip credit card at a chip-enabled terminal, rather than swiping your credit card, you insert it into the terminal and leave it there for the entire transaction. The chipenabled terminal will prompt you on next steps. You will enter your unique 4-digit PIN instead of verifying the transaction with a signature. Once the transaction is complete, remove your credit card when prompted. This completes the transaction.
Expand Will my Chip & PIN credit card be accepted at all ATM terminals?
Expand How does the chip technology work for online and telephone transactions?
Expand Will I be able to use my chip credit card for retail purchases and cash advances outside of Canada?
Expand Will Chip & PIN technology eventually replace the magnetic stripe technology?
Expand Is my magnetic stripe on my credit card still safe to use?
Expand Once I receive a new MBNA Chip & PIN credit card, can I use my original MBNA credit card instead of the new Chip & PIN credit card?
Expand How do I get a PIN for my Chip & PIN card?
Expand Do the other cardholders on my account need a PIN too?
Expand How can I protect my PIN number?
Expand How can I change my PIN or have it reset because I have forgotten it?
Protection made simple
MasterCard SecureCode®™ is like a Chip & PIN for your online purchases, designed to protect you by asking a secret password and a personal message. Developed by MasterCard ® and used by most online retailers, it has rapidly become a widely-accepted standard.
Quick and easy registration
Registering involves a quick, one-time process. Simply access
MasterCard SecureCode®™ , select your financial institution and register your credit card, create a secret password and personal message and you're done. The next time you shop online using your credit card, you'll be automatically prompted for your secret password during checkout. A secured screen will also appear with your personal message so you know it is your financial institution who is asking for your password. Please note, you may also be prompted to register while shopping at a participating online retailer site. Again, a secured screen will appear during checkout and you'll be asked to follow the same simple and safe registration steps. Not all online retailers participate in MasterCard SecureCode®™ at the moment but this may change over time. Look for the MasterCard SecureCode®™ logo when shopping at participating online retailers:
Expand What is MasterCard® PayPass®?
Expand What are the benefits of using a MasterCard® PayPass®?
Expand How do I use the PayPass feature on my MasterCard® PayPass®?
Expand Where can I use my MasterCard® PayPass®?
You can use it anywhere you see the MasterCard® PayPass® symbol.If you don't see the symbol, your credit card can still be swiped or inserted into the chip credit card reader at checkout. MasterCard® PayPass® is currently accepted at many merchants with more are being added all of the time. See the full list of MasterCard® PayPass® merchants.