Exhibit 23.1: Consent of Independent Registered Public Accounting Firm
We consent to the incorporation by reference in the following Registration Statements of MBNA Corporation, and in the related Prospectuses, pertaining to the 401(k) Plus Savings Plan of MBNA Corporation of our report dated June 21, 2004, with respect to the financial statements and schedule of the MBNA Corporation 401(k) Plus Savings Plan included in this Annual Report (Form 11-K) for the year ended December 31, 2003:
| Number | 33-41936 | on Form S-8 dated July 22, 1991 |
| Number | 33-41895 | on Form S-8 dated July 24, 1991 |
| Number | 33-71640 | on Form S-8 dated November 15, 1993 |
| Number | 33-95438 | on Form S-8 dated August 4, 1995 |
| Number | 333-15721 | on Form S-3 (as amended by Post-Effective Amendment No. 1) dated December 10, 1996 |
| Number | 333-21181 | on Form S-4 (as amended by Amendment No. 1) dated February 25, 1997 |
| Number | 333-06824 | on Form S-8 dated April 22, 1997 |
| Number | 333-51477 | on Form S-8 dated April 30, 1998 |
| Number | 333-74919 | on Form S-3 (as amended by Post-Effective Amendment No. 1) dated March 24, 1999 |
| Number | 333-79987 | on Form S-8 dated June 4, 1999 |
| Number | 333-44422 | on Form S-8 dated August 24, 2000 |
| Number | 333-45814 | on Form S-3 dated September 14, 2000 |
| Number | 333-109035 | on Form S-8 dated September 23, 2003 |
| | /s/ | Ernst & Young LLP |
| |
|
| | | Ernst & Young LLP |
Baltimore, Maryland
June 21, 2004
