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US citizens in the UK · Institutions

Which MBNA accounts accept US citizens

Last checked

MBNA offers a credit card to a US person.

If you already have an account with MBNA, a second one there is usually the easier application, because MBNA has already checked who you are. Each account below carries its verdict, the evidence behind it and the date it was checked.

At a glance

Account Verdict Last checked
Credit cards Opens

Credit cards

Compare with other providers
Opens

Open and lending, on UK residency, being 18 or over and a regular income. MBNA sits inside Lloyds Banking Group, so an application here overlaps with Lloyds, Halifax and Bank of Scotland rather than adding a separate shot. It publishes no representative rate at all, showing cards only after its own eligibility check.

Lloyds Banking Group, trading as MBNA · one group with Lloyds, Halifax and Bank of Scotland

Account Terms The catch
MBNA credit cards
Card fee
Free
Abroad
2.95%
 MBNA publishes no headline rate on its public pages and shows cards only after an eligibility check that does not mark your file. It rules out anyone bankrupt, in an arrangement, or declined by MBNA in the last 30 days.

Source: MBNA credit cards, 2026-08-17 Last checked MBNA's own page

Account names link to the provider's own site. momo has no active affiliate partnerships; if that changes it will be disclosed and will never change a verdict. Every institution, A to Z.

Confirm your own position with a cross-border specialist. Acceptance policies and tax rules change, and your facts may differ from the general case. Rates and terms here are the provider's published figures rather than an offer, and the provider decides each application on its own criteria. Use this as a map, not a ruling. Last checked .
Tax

FATCA

FATCA makes UK banks report accounts held by US persons to the IRS. It is not a tax; it is a reporting trail. Where it bites is access.