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More information on common topics

Get a quick education on common topics such as Chip & PIN, temporary authorisations, adding additional cardholders and more...


Online Security

How secure is my information in Online Card Services?

One of our highest priorities on Online Card Services is to ensure your personal information is secure. We do this by employing the most advanced online security measures in the industry. These include:

  • State-of-the-art encryption of all data transmitted between your computer and our secure site. the AA requires 128-bit SSL to maintain the highest encryption standards throughout our site and protect your online account information.
  • Secure communications through our website's electronic forms, available from the Messages section.
  • A unique user name and password system for authentication purposes.

What steps can I take to ensure the security of my account information?

There are several things you can do to protect your Online Card Services account:

  • Never reveal your user-name and password to anyone
  • Change your password frequently using the Change Password function
  • Always log off from Online Card Services before walking away from your computer
  • Always log off from Online Card Services before accessing other websites

How does encryption work – and what's the difference between 40-bit and 128-bit encryption?

Encryption software encodes data before it is transmitted over the internet to another computer. Most major commercial browsers include encryption software.

Two of the most widely used encryption levels are 40-bit and 128-bit, and many browsers today offer both.

Online Card Services requires 128-bit encryption, because it provides the most secure level of web browser encryption available on the internet today. In fact, it's more than 300 x 1024 times more secure than 40-bit encryption. With 128-bit encryption, you can use Online Card Services with confidence.

What is Secure Sockets Layer (SSL) protocol?

SSL, the leading security protocol on the internet today, was developed by Netscape™ and is used with its Navigator browser. This protocol allows for the secure transmission of information submitted by a user from a desktop computer to a website, and vice versa.

How do I know if my browser's encryption is working when I am online?

An icon such as a closed padlock or a key will be displayed in a corner of your browser's window when an encrypted connection is active. Open padlock or broken key icons indicate that your connection is not encrypted.

What happens if I forget to log off ?

For security reasons, Online Card Services becomes disabled after long periods of inactivity, and the system will automatically log off. If this happens, you will be required to repeat the log in procedure. We encourage you to use the log off function for maximum security when you're finished with the system or if you walk away from your computer.

Who has access to my account information?

Main cardholders and additional cardholders have access to account information via Online Card Services.

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Chip and PIN (Personal Identification Number)

Chip and PIN

Can I view my PIN in Online Card Services?
Yes, to securely view your credit card PIN online, select Manage Account from the Your Account tab, choose 'View PIN' and follow the on-screen instructions.

Remember: your PIN is extremely sensitive information - make sure you keep it safe. Don't write it down or tell anyone what it is. If you change your PIN, make sure you choose something which can't be easily guessed.

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Security

How Can I Keep My credit card account Safe?

Credit card

Always keep your AA Member / AA credit card under your control when making a purchase. Always sign your credit card immediately when you receive it.


PIN (Personal Identification Number) and password

Never disclose your PIN or Online Card Services user-name or password to anyone. If you receive a telephone call claiming to be from us, asking for these details, report this immediately on 0800 917 8612.


Credit card Statement

Always check your monthly statement against receipts from cash machine withdrawals and credit card transactions.


Buying over the internet

When using the internet, be aware of who you are disclosing your personal and card details to. If you have any concerns, telephone the merchant to reassure yourself that it is legitimate before giving your card details.


Be vigilant

Keep a separate note of our freephone and reverse-charge contact numbers in case your card is lost or stolen. If you suspect that someone else knows your PIN, contact us straight away on 0800 917 8612.


Moving house?

If you are moving house, even temporarily, don't forget to advise us. Correspondence from your credit card account could contain items of value, such as replacement credit credit cards.


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Registration

I'm new to Online Card Services, how do I register online?

If you haven't registered a credit card with Online Card Services before, you'll need to create a profile.

It's easy to get started – all you'll need is:

  • Your credit card
  • The welcome letter that came with your card, or your latest statement
  • Last six digits of your home/mobile telephone you provided us when you set up your account.
  • We'll also ask you to confirm some personal details for security.

Register to create your profile now.

Important: if you've registered for Online Card Services before, you can simply add a credit card to your existing profile, rather than registering again. Simply log in then select 'Add Card'.

Can I add another card to my Online Card Services profile?

Yes, if you've used Online Card Services before, you can simply add a credit card to your existing profile, instead of registering again. Simply log in then select 'Add Card'.

All you'll need is:

  • Your credit card
  • The welcome letter that came with your card, or your latest statement
  • Last six digits of your home/mobile telephone you provided us when you set up your account.
  • We'll also ask you to confirm some personal details for security.

If you haven't used Online Card Services before, you'll need to register first to create your profile.

Can I remove a credit card from my Online Card Services profile?

Yes you can, log in or register for Online Card Services, and if you have more than one credit card on your profile, you'll reach the 'Cards Overview' page. Select 'Remove Card' next to the card you want to remove.

If you're already in an account, simply select 'Cards Overview' to see a list of cards. If you only have one card, you won't be able to remove any from the list.

If you only have one card, you won't have the option to remove it from your profile.

Removing a card from your profile won't close the credit card account; it will simply remove it from Online Card Services and it'll no longer appear in your 'Cards Overview'.

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Reset Log in/Password details

How do I reset my log in details or change my password?

If you have forgotten your log in details, you can reset them in Online Card Services. On the log in page, simply select 'forgotten log in details' and follow the on-screen instructions.

You'll need:

  • Your credit card
  • The welcome letter that came with your card, or your latest statement
  • Last six digits of your home/mobile telephone you provided us when you set up your account.
  • We'll also ask you to confirm some personal details for security.

Once you're logged in, you can also change your password online. Simply choose 'Manage Account' from the 'Your Account' tab. From there select 'Change Password' and follow the on-screen instructions.

You might want to change your log in details periodically as a security measure, or to make them easier to remember.

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Your Account

How current is the information in the Your Account tab?

You will have access to most of the same information that our customer service advisors have when they speak with you over the telephone. The only difference is that the information is at your fingertips when you need it.

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Hide or Show Inactive Accounts

What does 'hide or show inactive accounts' on the Registered Accounts screen mean?

When you have multiple credit card accounts registered with the same user ID, and one or more are inactive, this page gives you the opportunity to view them in a list. For example, when you report a lost card, we will close that account and open a new account to replace it.

Your new card will automatically be shown within your Online Card Services 'Your Account' tab (if you have multiple cards click 'Cards overview' to switch between them). .

Please use the same user-name and password to access your Online Card Services credit card account. The Cards overview page allows you to hide or display your inactive credit card account information on entering Online Card Services.

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Payments

What is my minimum payment?

This is the smallest monthly payment that you can make and still remain in compliance with your Terms and Conditions. Each month that your account has a balance, a minimum payment will be due. Please refer to your credit card Terms and Conditions for further details.

Can I make a payment on my account with another MBNA issued credit card?

No.

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Statements

How many months of statements will I be able to access through Online Card Services?

Your statements for the last 12 months will be available on Online Card Services for viewing and downloading.

What is the process for downloading a statement?

Downloading an account statement is easy. From the Your Account tab click the Statements section, select the statement you'd like to save, and then click 'Download Statement'. Follow the simple directions to complete your download. Statement downloads are available in a QIF format, which can be imported into personal financial software packages such as Microsoft® Money.

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Status Indicators

What do the status indicators on the Cards Overview page mean?

Active - this credit card account is open and you are able to use it for spending.

Inactive - this credit card account is not currently available for spending. For additional information, please call us at the number listed on the Contact Us page.

Closed - this credit card account has been closed and is no longer available for spending. For additional information, please call us at the number listed on the Contact Us page.

Lost/Stolen - the credit card linked to this credit card account has been reported as lost or stolen and is no longer available for spending.

Suspended - spending for this account has temporarily been suspended. For additional information, please call us at the number listed on the Contact Us page.

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Technical Assistance

What do I do if I am having technical difficulty or have a technical question?

Please call 0800 917 8612 to speak with a technical consultant. Technical consultants are available 24 hours a day, 365 days a year.

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Additional Cardholders

What privileges does an additional cardholder have?

An additional cardholder is a person other than the main cardholder who is issued with a credit card and has full charging privileges on an account but is not responsible for the repayment of the balance on the account. Additional cardholders can view the account and perform limited account maintenance via Online Card Services.

How do I remove an additional cardholder?

Please call us at the number listed on the Contact Us page to remove an additional cardholder.

What is the difference between an additional cardholder and a joint account holder?

A joint account holder is jointly and severally liable for the credi card account. Both the additional and main cardholders have equal authority to maintain the account e.g. change the address/request a credit limit increase. This is in contrast to an additional cardholder, who has full charging privileges, but is not responsible for the repayment of the balance on the credit card account.

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Temporary Authorisations

What is a temporary authorisation?

A temporary authorisation is a transaction that has been approved but has not yet been officially posted to your credit card account. The value of the transaction has been deducted from your available credit limit and is included within your current balance. Normally, a temporary authorisation converts into a posted transaction. However, a temporary authorisation may expire if the merchant does not complete the transaction - this will then be removed from your balance and available credit limit.

When will I be able to view a transaction in my current activity?

This depends on the merchant. Usually, transactions post within five business days of the actual transaction date.

Are temporary authorisations included in my current balance amount?

Yes, the amount of the temporarily authorised transaction is included in your current balance amount. However, if the temporary authorisation does not convert to a posted transaction, the amount will be deducted from your card balance.

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Credits

How long does a merchant have to post a credit to my account?

There is no limit to how long the merchant can take to post a credit to your credit card account. However, if you are concerned about the length of time that a credit has taken to post to your account, please contact our Billing Enquiries department on 0800 917 8612.

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Accessing Cash

How can I get cash using my account?

You can obtain cash in one of three ways.

High street withdrawal - present your credit card and photo ID at any bank which accepts MasterCard® or Visa® credit cards.

ATM cash withdrawal - use your credit card along with your 4-digit personal identification number (PIN) at hundreds of thousands of ATMs in most countries that display the MasterCard®, Visa® or American Express® logos.

Balance Transfer - to submit a Balance Transfer request online, click on the Make a Transfer section under the Your Account tab within Online Card Services or call us on 0800 028 4337.

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Using your credit card abroad

Travel and rates information

Remember that fees apply when using your credit card overseas.
Download Using your credit card abroad - helpful information (PDF)


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Frequently Asked Questions (FAQs)



Need help? Here's the best place to look for the answer to any question.

Go to FAQs

Glossary of terms



What does that word really mean? Find out here.

Go to Glossary

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