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How Does It Work?

If we have your current mobile/phone numbers and e-mail address on file, MBNA Fraud and Security will attempt to alert you regarding any suspicious activity on your MBNA credit card(s).

With SMS and Voice alerts, if you respond to the alert with an N, it tells us that the transaction is invalid - your account (including all authorized users) will be blocked, and you will be prompted to speak to a live agent. If you respond to the alert with a Y, it confirms that the transaction is valid and you can continue to use your card as normal.

For email alerts, you will not be able to respond to the e-mail to resolve the issue; the e-mail will prompt you to contact MBNA Fraud and Security as soon as possible.

How to Identify an MBNA Fraud Alert?

MBNA Fraud Alerts text messages will contain specific information to help you identify the transaction, including:

  • Last two digits of your MBNA Credit Card or of your Authorized User's Card; and transaction information, including the $ amount, transaction type and merchant name.

  • MBNA will never ask you to reply to a Fraud Alert text message with any personal information or click on any links in your reply.
MBNA Fraud Alerts also use automated voice calls that will prompt you to select certain numbers (ex: 1 or 2) to validate recent activity in question.

If you receive a voice alert, you will not be asked to provide any personal information; alerts will always contain detailed information regarding the transactions we would like to verify (ex: $ amount, type, and merchant name).

MBNA Fraud Alert E-mails will not include or ask you to click on any links to confirm activity.

Emails will always include your first and last name, and contain the last 4 digits of your credit card number. The only thing that e-mail alerts will prompt you to do is to contact MBNA Fraud and Security using telephone numbers listed on the website or the back of your card.



  • Confidence.
    Receive at no cost, MBNA Fraud Alerts anytime, anywhere to your phone numbers and e-mail on file with us alerting you about suspicious activity.
  • Be in control.
    If you receive an MBNA Fraud Alert, you should reply immediately to avoid the inconvenience of an unnecessarily blocked Card.
  • Fast.
    Your account and its authorized user(s) are unblocked or blocked instantly.


  • Safe.
    If we do not receive a response from you to any of our attempted MBNA Fraud Alerts, your account may be blocked until you contact us; this is to minimize fraud risk on your account. You can respond to a text or voice alert at any time or call us directly using the number on the back of your card 24 hours a day, seven days a week, and a representative will be happy to assist you.

How to Receive MBNA Fraud Alerts?

Please make sure your contact information is up-to-date in your MBNA Customer Profile so that we can reach out to you in case of suspicious activity on your MBNA credit cards.
Not sure whether we have your updated contact information? Simply log in to or call us to update your profile.

You can opt out of receiving SMS alerts at any time. Simply reply "Stop" to the MBNA Fraud Alert SMS that you receive, and you will immediately stop receiving any SMS alerts from us regarding the account in question.
Note: Only the primary account holder can opt out of this service.