The following summary information applies to the MBNA credit card account, is current as of April 2024 and is subject to change. These interest rates are in effect on the date your credit card account is opened (whether or not your card is activated). You will receive the full Account Agreement if your application is approved.

Eligibility Criteria

  • You are a Canadian resident
  • You are of the age of majority in your province or territory of residence
  • You are happy with this selection and feel it meets your needs. Not sure? Answer a few simple questions and we’ll provide a recommendation.

Electronic Documents Consent

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COMPLETE this quick AND secure application. It should ONLY take 5 - 10 minutes.

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Tell us about yourself

Primary Applicant's Information

Personal Information

Employment Information

Add Authorized User

Request a Balance Transfer

Enroll in Payment Protection Plan

ID:CLDPRODSS1

Step 1 of 3

Request a Balance Transfer

Select Transfer to Chequing to transfer available credit from your MBNA credit card to 1 personal chequing account.

Select Transfer to Credit Card to transfer the balance of up to 3 other credit cards to your MBNA credit card.

Conditions apply†.


Which type of transfer would you like to request?

Transfer to
Chequing
Transfer to
Credit Card

Step 1 of 3

Edit  Transfer to Credit Card

Enter information for the credit card you’re transferring to.

Credit card details

Error

The combination of credit card issuer and card number is invalid. Please try again.



Transfer details

The Balance Transfer amount you request is subject to credit limit approval.

$
(#)% transaction fee applies (minimum
Transaction fee
--
Total transaction amount
--

Ensure that the transfer information you enter is accurate. You, as the primary cardholder, will be liable for errors or omissions in your submission.

Step 1 of 3

Edit  Transfer to Chequing

Enter your personal chequing account information.

Banking details

Transit (also known as branch), institution, and account numbers are found along the bottom of your cheque.

If you don’t have cheques or can’t find these numbers, contact your financial institution for help.

Error

The combination of transit number and institution number is invalid. Please try again.

Location of account information on cheque

Transit number

Institution number

Account number

Transfer details

The Balance Transfer amount you request is subject to credit limit approval.

$
(#)% transaction fee applies (minimum
Transaction fee
--
Total transaction amount
--

Ensure that the transfer information you enter is accurate. You, as the primary cardholder, will be liable for errors or omissions in your submission.

Please note that selecting Confirm doesn’t guarantee that MBNA will approve the request. Balance Transfers are subject to credit availability on your MBNA credit card and other conditions apply.

Step 1 of 3

Review Your Request

Review and confirm your Balance Transfer details.

Transfer #1

Transfer to Chequing

Account number
11111 222

Amount
$5,000.00

Transaction fee
$150.00

Transfer #1

Transfer to Credit Card

Credit card issuer

Credit card number

Amount

Transaction fee

Transfer #1

Transfer to Credit Card

Credit card issuer

Credit card number

Amount

Transaction fee

Transfer #1

Transfer to Credit Card

Credit card issuer

Credit card number

Amount

Transaction fee

Ensure that the transfer information you enter is accurate. You, as the primary cardholder, will be liable for errors or omissions in your submission.

Step 1 of 3

Request a Balance Transfer

Warning You’ve reached the transfer limit of 1 chequing account. You’ve reached the transfer limit of 3 credit cards.

Transfer to Chequing

You can still transfer available credit from your MBNA credit card to 1 personal chequing account.

Transfer to Credit Card

You can still do a Transfer to Credit Card for up to 3 credit cards, subject to credit availability.

MBNA Credit Card Payment Protection Plan

DISCLOSURE STATEMENT 1  ABOUT OPTIONAL MBNA ®  CREDIT CARD PAYMENT PROTECTION PLAN

ENROLLMENT:  You are eligible for enrollment in optional MBNA Credit Card Payment Protection Plan group creditor insurance if you are a Primary Cardholder who is at least 21 years of age and less than 66 and a Canadian resident. Your Certificate of Insurance, which indicates your effective date of coverage, will explain all benefits and terms of coverage including exclusions and limitations, and will be sent to you upon enrollment. If you choose to enroll, you have the option to cancel MBNA Credit Card Payment Protection Plan at any time. If you cancel this coverage within 30 days of receipt of the Certificate of Insurance any premiums you have paid will be refunded. If you have any questions regarding this insurance or wish to cancel this coverage, please call Assurant at 1-800-340-4717.

COST:  $1.20 per $100  of your Insured Balance, plus applicable taxes, to a maximum of $25,000. The cost for coverage will be charged to your credit card account. Insured Balance is defined as outstanding account balance, calculated as of the Statement Date if you reside in a Province/Territory other than Quebec, or as Average Daily Balance if you reside in the Province of Quebec as of the Statement Date. Average Daily Balance is calculated by adding the credit card account balance each day and dividing that total by the number of days in the statement period. Statement Date means the last date of the statement period for which Your Account statement is produced.

Example:  For example, in a Province/Territory other than Quebec, an account with a $500 outstanding account balance as of the statement date would incur a cost for coverage of $500 x $1.20 per $100 = $6.00 plus applicable taxes.

In the Province of Quebec, if your starting balance is zero and you charge $1,000 to your credit card in the middle of your billing cycle, your average daily balance would be half, or $500. Applying the premium rate of $1.20 per $100, you would see a charge of $6.00 on your statement, plus applicable taxes.

SUMMARY OF BENEFITS, EXCLUSIONS AND LIMITATIONS 1  

Life Coverage: This coverage may pay a one-time benefit payment to your credit card account should you die. The lump sum payment is based on the amount owing on your credit card account as of your date of death, to a maximum of $25,000. Benefits are not payable in some situations.  For example, we will not pay a Life benefit within 6 months of the effective date of coverage if death results from suicide.

Total Disability Coverage:  This coverage may pay a monthly benefit payment to your credit card account if you become totally disabled as a result of an accidental bodily injury or sickness, and the disability lasts for more than 30 consecutive days. Monthly benefit payments will be made and will be equal to the greater of 20% of the outstanding balance as of the statement date coinciding with, or if not applicable, immediately before the Date of Loss, and $10. Monthly benefit payments will be made for every month of total disability until the eligible balance has been paid, to a maximum of $25,000. Features include a monthly refund while receiving benefit payments of the premium charged as of the statement date coinciding with or immediately before the date of loss, and an additional one-month benefit payment may be paid when you are no longer disabled and return to performing your normal activities of daily living.

Job Loss Coverage:  This coverage may pay a monthly benefit payment to your credit card account if you experience a Job Loss and remain unemployed for more than 30 consecutive days. To be eligible for Job Loss benefits, you must have been employed in a non-seasonal occupation with the same employer for at least three consecutive months immediately prior to the Date of Loss. Monthly benefit payments will be made, and payment will be equal to the greater of 20% of the outstanding balance as of the statement date coinciding with, or if not applicable, immediately before the Date of Loss, and $10. Monthly benefit payments will be made for every month of unemployment until the eligible balance has been paid, to a maximum of $25,000. Features include a monthly refund while receiving benefit payments of the premium charged as of the statement date coinciding with or immediately before the date of loss, and an additional one-month benefit payment may be paid upon your return to work. Benefits are not payable in some situations.  For example, we will not pay Job Loss benefits if your Job Loss is due to or results from: loss of self-employment, resignation, loss of seasonal employment, dismissal for cause, labour disputes, strikes or lockouts, disability, or any reason within 30 days of the Effective Date.

All insurance coverage automatically ends when the group master policies are cancelled, your credit card is no longer in good standing or cancelled or you pass away. Life coverage terminates on the next account statement date after you turn 80. Total Disability and Job Loss insurance coverages terminate on the next account statement date after you turn 66.

There are time limits to submit a claim. You must claim within 90 days of the insured loss, except for Life claims which should be submitted as soon as reasonably possible. The insurer pays approved claims within 30 days of receiving the proof required. If your claim is denied, you will receive a written explanation with the appeal process.

General Provisions:

Underwriters:  Life coverage is underwritten by American Bankers Life Assurance Company of Florida (ABLAC) and Total Disability and Job Loss coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Master Policy numbers LUZ (0620) R and WFR1 (0620) R. ABLAC and ABIC, their subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant ® .  ® Assurant is a registered trademark of Assurant, Inc. MBNA, a division of The Toronto-Dominion Bank ("MBNA") receives a fee from the insurer with respect to premium collection. MBNA does not act as an agent for ABLAC/ABIC and neither company has an equity interest in the other. You may contact Assurant regarding your coverage or to file a claim at 1-800-340-4717.

1 Details of the coverage, including terms, conditions, limitations and exclusions, are in the Certificate of Insurance .

Privacy Disclosure:

By providing us with your information, you agree that we may share your personal information with our world-wide affiliates and insurers. We and our insurers may collect, use and disclose your information as described in the MBNA Privacy Policy (available at www.mbna.ca/privacy ) to: identify you; provide you with ongoing service; help us serve you better; protect you and them from fraud and error; and comply with legal and regulatory requirements.

Assurant may collect, use, and share personal information provided by you to Assurant, and obtained from others with your consent, or as required or permitted by law. Assurant may use the information to serve you as a customer and communicate with you. Assurant may process and store your personal information outside your province in another country, which may be subject to access by government authorities under applicable laws of that country. You may obtain a copy of Assurant’s privacy policy by calling 1-888-778-8023 or from their website: www.assurant.ca/privacy-policy . If you have any questions or concerns regarding the privacy policy, the purposes and means for which your information is being collected, your rights, your options for refusing or withdrawing your consent to the use of your personal information, you may call Assurant at the number listed above.

Clicking the boxes has the same legal effect as a signed, handwritten application.

Are you sure you want to decline MBNA Credit Card Payment Protection Plan? By clicking “Decline Coverage and Continue” below, you will no longer be enrolled.