What is MBNA?

MBNA bills average around $1100/month for a typical household. MBNA is a division of TD Bank and one of Canada's largest Mastercard issuers, payments are processed daily Monday to Friday.

How to Get Cash Back on Your MBNA Bill

1. Create your free Neobanc account: sign up at neobanc.com, takes about 2 minutes with instant verification.
2. Add MBNA as a payee: search "MBNA" in Bills. Banks and Neobanc list it as MBNA CANADA MASTERCARD (older accounts: MBNA VISA).
3. Enter your card number: Full 16-digit MBNA credit card number, see below for exactly where to find it.
4. Pay with your preferred credit card: one-time or recurring. Your card earns its normal rewards; Neobanc adds cash back on top.
5. Earn cash back on every payment: cash back lands in your Neobanc balance. Withdraw it or put it toward next month's bill.

Where to Find Your MBNA Card Number

Format: Full 16-digit MBNA credit card number. the front of your card, your MBNA statement, or MBNA Online Banking

Verified against www.mbna.ca, July 2026.

Can I Pay MBNA With a Credit Card?

Yes, and it's the whole point. Most billers don't reward you for how you pay. Through Neobanc, your card earns its normal rewards and Neobanc adds 1% to 2% cash back on top. On a typical $1100/month MBNA bill, that's roughly $528 back per year between a 2% cash-back card and Neobanc, for the exact same bill.

The Math on Your MBNA Bill

Average $1100/month: a 2% cash-back card returns about $22.00/month, and Neobanc adds $11.00 to $22.00 on top, roughly $528 per year for switching how you pay, not what you pay.

How do I save the most on my MBNA bill each month?

Change how you pay before what you pay. Paying by bank transfer or Automatic monthly payments (not available within 3 days of the due date) earns nothing; the same bill through Neobanc with a cash-back card returns about $528 a year. Interest accrues at your card's rate (12.99% to 24.99% depending on card) and some MBNA cards lose promotional balance-transfer rates after a missed payment. A recurring Neobanc payment a few business days before the due date earns on every cycle and never runs late.