> ## Documentation Index
> Fetch the complete documentation index at: https://docs.yapily.com/llms.txt
> Use this file to discover all available pages before exploring further.

# MBNA

## Links

* [Developer Portal](https://developer.lloydsbanking.com/)

## Scopes

* Account Information 🔒
* Payment Initiation 🔒

## Live and Sandbox Environment

To connect to the MBNA Sandbox, select **MBNA Sandbox** from the pre-configured institutions.

Or if you like to register with your own credentials, please follow the steps below:

**Precondition**: To connect to live Open Banking entities, whether you are accessing account information or initiating payments, your business must have the right regulatory permissions as per the [Open Banking Guide](/tools-and-services/open-banking/enrolment-guide).

1. Upload your transport and signing certificates (PEMs) created in the Open Banking directory, along with the keys into Yapily's [certificate vault](https://console.yapily.com/certificates).

2. Add **MBNA Bank Sandbox** from the **Sandbox** tab to your Dashboard application and add your `Signing key Id`, which can be obtained from the Open Banking Directory.

3. Select your Open Banking transport and signing certificates from the relevant drop-downs lists then click *Next*.

4. Click the 'download the SSA' button to download your Software Statement Assertion from the Open Banking Directory. This is the token that the Open Banking UK institutions will use during registration to verify your enrolment and possibly create your application.

5. Log in to the developer portal: ([https://register.sandbox.lloydsbanking.com](https://register.sandbox.lloydsbanking.com/)) following the instructions found on this [Guide](https://developer.lloydsbanking.com/sites/developer.lloydsbanking.com/files/support/LBG_Sandbox_Developers_Guide.pdf)

6. Create an app using the SSA you downloaded in the previous step to get *`Client ID`* and *`Client secret`*

7. Copy the credentials for this app from the Lloyds developer portal into the credentials view for Lloyds in the Yapily dashboard. Add the obtained *`Client ID`* as **Key** and the *`Client secret`* as **Secret**. Click 'Next' to save.

**Note**: *Halifax Sandbox*, *MBNA Bank Sandbox* and *Bank of Scotland* are using the same *Lloyds Banking Group* API. If you have already register with one of the above institutions just copy the credentials (**key** and **secret**) to this one and you are ready to go. The same process is valid for **Halifax**, **Lloyds Bank** and **Bank of Scotland** **Live** institutions

## Payments

MBNA is a credit card only brand so payments can only be made as Money Transfer requests from an MBNA credit card to another Lloyds account that the user owns. Otherwise, payments are not supported for MBNA.

## Support

If you require technical support with certificate management, please contact [Support](/resources/support).