MBNA Threshold Alerts
MBNA Credit Card Overlimit Notifications
Starting in April, 2022, MBNA Threshold Alerts will be sent to you when the available credit on your credit card account falls below a specific alert threshold amount. These alerts keep you informed and may help you avoid certain account fees.
We'll send MBNA Threshold Alerts by text, email or both depending on your notification settings. If we don't have your Canadian mobile number or email address, we won't send you these alerts. However, if you give us your contact information at a later time, we will send them in the future. You can opt out of receiving these alerts at any time.
You can opt out of MBNA Threshold Alerts for any one or all of your credit card accounts. If you choose to opt out, we won't send you these alerts.
Log in to MBNA Online Banking
Go to My Profile, select My MBNA Alerts then select Manage your MBNA Alert Notification Settings
Select Edit all MBNA Alerts where you can review your alert notification settings and unselect both text and email message options for each of your credit card accounts
For more ways to opt out, refer to the question How do I opt out of MBNA Threshold Alerts?
Email alerts will be sent from [email protected]
Text alerts will be sent from short code 83222. A short code is a special phone number used to send and receive text messages. MBNA uses 5 digit short codes when sending text messages
This short code and email address are only used for MBNA Threshold Alerts and not for any other types of alerts (e.g. MBNA Credit Card Overlimit Notifications, MBNA Fraud Alerts)
You can visit the Canadian Wireless Telecommunications Association ( CWTA ) website at https://www.txt.ca/en/current-short-code-programs/ to validate that the short code is registered to MBNA
We send MBNA Threshold Alerts to Primary Cardholders. We won't send these alerts to Authorized Users.
We will send you an MBNA Threshold Alert when the available credit on your MBNA credit card account falls below the alert threshold amount. Please keep in mind the following:
There are different ways you can opt out of MBNA Threshold Alerts. We recommend using MBNA Online Banking to opt out as this allows you to manage all of your alerts at the same time for all the credit cards you have with MBNA.
In MBNA Online Banking:
From text and email alerts:
MBNA Threshold Alerts are not encrypted or password protected and never include a link to MBNA Online Banking. We only include a minimal amount of personal and account information in these alerts.
Safeguarding our customers' information is a fundamental principle of MBNA. For security reasons, certain information including account number has been masked. MBNA will not ask you to provide personal information or login information, such as username, passwords, PINs, security questions and answers, or account numbers, through unsolicited texts or emails. MBNA will not share sensitive data through regular texts or emails nor will MBNA request this type of information be sent from you through regular texts or emails. For information on email fraud visit our page on Fraud Prevention .
Abbreviations and short forms used in alerts sent by text message:
Changing your MBNA Threshold Alert notification settings:
After you log in to MBNA Online Banking: Go to My Profile, select My MBNA Alerts, then select Edit all MBNA Alerts where you can review and change your MBNA Threshold Alert notification settings. You can set MBNA Threshold alerts for each credit card you have with us.
Changing your alert threshold amount:
After you log in to MBNA Online Banking: Go to My Profile, select My MBNA Alerts, then select Edit all MBNA Alerts where you can review and change your MBNA Threshold Alert amount. If you don't select an MBNA Threshold Alert amount, it is set at $100. You can select different alert threshold amounts for each credit card you have with us.
You cannot set or change MBNA Threshold Alert notification settings or MBNA Threshold Alert amounts in the MBNA app. You can only do this within MBNA Online Banking at this time.
You can change the mobile number and email address we have on file for you any time.
We send MBNA Threshold Alerts by text, email or both depending on your notification settings. If we don't have your Canadian mobile number or email address, we won't send you these alerts, but you remain opted in.
MBNA Alerts by text may not be available for VOIP Phone numbers. Please ensure you have a valid email address on file if you wish to have MBNA Alerts sent to you.
Changing your mobile number in MBNA Online Banking or the MBNA app:
Changing your email address in MBNA Online Banking or the MBNA app:
No, you cannot set or change MBNA Alert notification settings and MBNA Threshold Alert amounts in the MBNA app. You can only do this within MBNA Online Banking. You can however update your contact information in the MBNA app.
Managing your notification settings:
You can change how we send you MBNA Threshold Alerts any time in My MBNA Alerts within MBNA Online Banking.
Setting and changing your alert threshold amount:
You can set and change alert threshold amounts in My MBNA Alerts within MBNA Online Banking for each MBNA Credit Card that you hold with us.
Yes, we may send an MBNA Threshold Alert and an MBNA Credit Card Overlimit Notification for the same transaction to Primary Cardholders who are Quebec Residents. Refer to the MBNA Credit Card Overlimit Notifications tab for more information on this type of alert.
By using your own personal mobile number and/or email address, you help ensure that the MBNA Threshold Alerts we send to you can only be accessed and seen by you.
If you would like to verify or update the contact information we have on file for you, you can do that any time in MBNA Online Banking or the MBNA app.
We do not charge for sending MBNA Threshold Alerts, but standard wireless carrier message and data rates may apply. Please check your wireless carrier plan for your rate information.
You can opt out of these alerts at any time.
MBNA Credit Card Overlimit Notifications will be sent to you when you exceed your credit limit on your MBNA credit card. These alerts will only be sent to Primary Cardholders who are Quebec residents.
Starting in April, 2022, we'll send these alerts electronically by text, email or both depending on your notification settings. Until you change your notification settings, we’ll send you these alerts by text message if we have your Canadian mobile number, otherwise we’ll notify you by email if we have your email address. If we don’t have your valid Canadian mobile number or email address, or you have opted out of electronic notifications for these alerts, we will send them by letter mail to the mailing address we have on file. You can give us your Canadian mobile number or email at any time for us to start sending you alerts electronically. At the time we send you an alert, using your card may be limited until your balance has been reduced below your credit limit.
If you choose to opt out of electronic notifications for any one or all of your credit card accounts we will send these notifications to you by letter mail instead.
Go to My Profile and select My MBNA Alerts
Select Edit all MBNA Alerts where you can review your alert notification settings and unselect both text and email message options for MBNA Credit Card Overlimit Notifications
For more ways to opt out, refer to the question If I am a Primary Cardholder who is a Quebec resident, will MBNA always send me an MBNA Credit Card Overlimit Notification?
Email alerts will be sent from [email protected]
Text message alerts will be sent from short code 83111. A short code is a special phone number used to send and receive text messages. MBNA uses 5 digit short codes when sending text messages
This short code and email address are only used for MBNA Credit Card Overlimit Notifications and not for any other types of alerts (e.g. MBNA Threshold Alerts, MBNA Fraud Alerts)
We send MBNA Credit Card Overlimit Notifications to MBNA Primary Cardholders who are Quebec residents. We won't send these alerts to Authorized Users.
MBNA Credit Card Overlimit Notifications are not encrypted or password protected, and never include a link to MBNA Online Banking. We include a minimal amount of personal and account information in these alerts.
Yes, we are required to send you an overlimit notification for your Personal MBNA Credit Card when the account balance exceeds your credit limit.
If we don't have your electronic contact information or if you opt out of electronic alerts, we won't send you these alerts electronically and instead we'll send them by letter mail.
How to opt out of electronic MBNA Credit Card Overlimit Notifications in MBNA Online Banking:
How to opt out of electronic MBNA Credit Card Overlimit Notifications from text and email alerts:
At this time we only send MBNA Credit Card Overlimit Notifications to Primary Cardholders who are Quebec residents.
You can change your mobile number and email address we have on file any time.
If you provide both personal contacts, we will send notifications by text, email or both depending on your settings.
If we have been sending you MBNA Credit Card Overlimit Notifications by letter mail because we don't have your Canadian mobile number or email address, you can add your contact information at any time, select your preference for electronic delivery and we will send the alerts electronically.
If we are not sending you electronic notifications because you opted out from receiving electronic alerts, please log in to MBNA Online Banking and update your electronic delivery preference.
Yes, we may send an MBNA Threshold Alert and an MBNA Credit Card Overlimit Notification for the same transaction to Primary Cardholders who are Quebec residents. Refer to the MBNA Threshold Alerts tab for more information on this type of alert.
By using your own personal mobile number and/or email address, you help ensure that the MBNA Credit Card Overlimit Notifications we send to you can only be accessed and seen by you.
We do not charge for sending MBNA Alerts, but standard wireless carrier message and data rates may apply. Please check your wireless carrier plan for your rate information.
You can opt out of these electronic alerts at any time. If you opt out, we won't send you these alerts by text and email and instead we'll send them by letter mail.