MBNA Alerts

What are MBNA Threshold Alerts?

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.

How MBNA Threshold Alerts work

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.

  • MBNA Threshold Alerts are sent automatically
    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 send them by email if we have your email address.
  • Default alert threshold amount is $100
    If you don't set an alert threshold amount, it is automatically set at $100.
  • 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 amounts
    You can set and change alert threshold amounts in MBNA Online Banking for each MBNA Credit Card you hold with us. Consider your credit limit and typical account balance when setting your alert threshold amounts.

Opt out of MBNA Threshold 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.

  1. Log in to MBNA Online Banking

  2. Go to My Profile, select My MBNA Alerts then select Manage your MBNA Alert Notification Settings

  3. 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?

How to identify MBNA Threshold Alerts

  1. Email alerts will be sent from MBNATH@mbna.ca

  2. 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

  3. 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)

  4. 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

Questions You May Have

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:

  • If you continue to stay below your alert threshold amount, we won't send additional alerts. However, if at a later time you go above your alert threshold amount and then fall back below it, we will send a new MBNA Alert
  • If you update your alert threshold amount and the change results in the available credit on your credit card falling below the alert threshold amount, we will not send you an MBNA Threshold Alert
  • In some cases, you may receive two alerts for the same transaction. If you wish to confirm the transaction, log in to MBNA Online Banking or the MBNA app, or call us for further assistance

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:

  • Log in to MBNA Online Banking
  • 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 each of your credit card accounts

From text and email alerts:

  • You can opt out by text/email only after you receive an alert. Reply STOP to a text alert and select 'Opt out' at the bottom of an email alert
  • If you have replied STOP to an MBNA Threshold Alert, we'll stop sending you text alerts to your mobile phone. For example, if you have two or more MBNA personal credit cards you will no longer receive additional text alerts for all your credit card products. This applies if you select 'Opt out' for email as well
  • Opting out applies only to the mobile number or email address where you received the alert. If you change your contact details with us in the future, we will start sending alerts to your new mobile number/email as they will not be on our 'opt out' list

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.

  • Alerts sent by text message will only display the last 2 digits of your credit card account number (e.g. XX34)
  • Alerts sent by email will only display your name (first, middle and last) and the last 4 digits of your credit card account number (e.g. 1234)

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:

  • Acct – account
  • Amt – amount
  • Avail – available
  • Bal – balance
  • Msg – message
  • $ – money
  • # – number
  • Req'd – required
  • Std – standard
  • Txt – text
  • Ur – your

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:

  • After you log in to MBNA: Select My Profile from the top navigation, then select Update my personal information. If you only have one MBNA account, update your phone number on the Personal Information page. If you have more than one account, select the account you wish to update and then update your phone number on the Personal Information page.
  • After you log in to the MBNA app: Select Personal Information from the main menu. If you only have one MBNA account, update your phone number on the Personal Information screen. If you have more than one account, select the account you wish to update and then update your phone number on the Personal Information screen.

Changing your email address in MBNA Online Banking or the MBNA app:

  • After you log in to MBNA: Select My Profile from the top navigation, then select Update my personal information. If you only have one MBNA account, update your email address on the Personal Information page. If you have more than one account, select the account you wish to update and then update your email address on the Personal Information page.
  • After you log in to the MBNA app: Select Personal Information from the main menu. If you only have one MBNA account, update your email address on the Personal Information screen. If you have more than one account, select the account you wish to update and then update your email address on the Personal Information screen.

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.

What are MBNA Credit Card Overlimit Notifications?

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.

How MBNA Credit Card Overlimit Notifications work

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.

Opt out of electronic MBNA Credit Card Overlimit Notifications at any time

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.

  1. Log in to MBNA Online Banking

  2. Go to My Profile and select My MBNA Alerts

  3. 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

How to identify MBNA Credit Card Overlimit Notifications

  1. Email alerts will be sent from MBNAOL@mbna.ca

  2. 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 

  3. 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)

Questions You May Have

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.

  • Alerts sent by text message will only display the last 2 digits of your credit card account number (e.g. XX34)
  • Alerts sent by email will only display your name (first, middle and last) and the last 4 digits of your credit card account number (e.g. 1234)

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:

  • Bal – balance
  • Msg – message
  • Std – standard
  • Txt – text
  • Ur – your

  • A short code is a special, abbreviated phone number used for two-way messaging, often used to send and receive text messages
  • MBNA uses 5 digit short codes when sending text messages. MBNA Credit Card Overlimit Notifications will be sent from short code 83111
  • Short codes are registered with the Canadian Wireless Telecommunications Association (CWTA). You can visit the CWTA website at https://www.txt.ca/en/current-short-code-programs/ to validate that the short code is registered to MBNA

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:

  • Log in to MBNA Online Banking
  • 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 each of your credit card accounts

How to opt out of electronic MBNA Credit Card Overlimit Notifications from text and email alerts:

  • You can opt out by text/email only after you receive an alert. Reply STOP to a text alert and select 'Opt out' at the bottom of an email alert
  • If you have replied STOP to an MBNA Credit Card Overlimit alert, we'll stop sending you text alerts to your mobile phone. For example, if you have two or more MBNA personal credit cards you will no longer receive additional text alerts for all your credit card products. This applies if you select 'Opt out' for email as well
  • Opting out applies only to the mobile number or email address where you received the alert. If you change your contact details with us in the future, we will start sending alerts to your new mobile number/email as they will not be on our 'opt out' list

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.

Changing your mobile number in MBNA Online Banking or the MBNA app:

  • After you log in to MBNA: Select My Profile from the top navigation, then select Update my personal information. If you only have one MBNA account, update your phone number on the Personal Information page. If you have more than one account, select the account you wish to update and then update your phone number on the Personal Information page.
  • After you log in to the MBNA app: Select Personal Information from the main menu. If you only have one MBNA account, update your phone number on the Personal Information screen. If you have more than one account, select the account you wish to update and then update your phone number on the Personal Information screen.

Changing your email address in MBNA Online Banking or the MBNA app:

  • After you log in to MBNA: Select My Profile from the top navigation, then select Update my personal information. If you only have one MBNA account, update your email address on the Personal Information page. If you have more than one account, select the account you wish to update and then update your email address on the Personal Information page.
  • After you log in to the MBNA app: Select Personal Information from the main menu. If you only have one MBNA account, update your email address on the Personal Information screen. If you have more than one account, select the account you wish to update and then update your email address on the Personal Information screen.

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.

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 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.