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                                   FORM 8-K

                      SECURITIES AND EXCHANGE COMMISSION

                            Washington, D.C. 20529

                                CURRENT REPORT



Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.

Date of Report:     February 14, 2001


                   MBNA AMERICA BANK, NATIONAL ASSOCIATION
                               on behalf of the
                      MBNA MASTER CREDIT CARD TRUST II
            (Exact name of registrant as specified in its charter)



  United States                    333-48788                    51-
0331454
- -----------------        -----------------------------       ----------
- ----
(State or other               (Commission File               (IRS
Employer
 jurisdiction of                    Number)
Identification No.)
 incorporation)


                              Wilmington, DE 19884-0781
- -----------------------------------------------------------------------
- -------
                   (Address of principal executive office)



Registrant's telephone number, including area code  (800) 362-6255.
                                                    ---------------


ITEM 2.  ACQUISITION OR DISPOSITION OF ASSETS

On January 30, 2001, MBNA America Bank, National Association (the
"Seller") conveyed to the MBNA Master Credit Card Trust II (the
"Trust") all of the receivables (the "Receivables") in certain
additional credit card
accounts (the "Additional Accounts") of the Seller pursuant to an
Assignment No. 30 of Receivables in Additional Accounts dated as of
January
30, 2001, (the "Assignment").  The principal amount of the Receivables
in
the Additional Accounts on January 30, 2001, was $1,772,726,754.16.
The
Seller conveyed the Receivables in the Additional Accounts to the Trust
pursuant to subsection 2.06(b) of the Pooling and Servicing Agreement.

ITEM 5.  OTHER EVENTS

MBNA Master Credit Card Trust II Series 2000-L Classes A and B
Certificates were issued December 13, 2001.  The net proceeds from the
sale of Series 2000-L will be used by the Seller for its general
corporate purposes.



Item 7.     FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND
EXHIBITS
The following are filed as Exhibits to this Report under Exhibit 4:

4.1  Series 2000-L Supplement to the Pooling and Servicing Agreement,
dated as of December 13, 2001, among MBNA America Bank, National
Association,
Seller and Servicer, and The Bank of New York, Trustee.


The following are filed as Exhibits to this Report under Exhibit 10:

10.1  Interest Rate Swap Agreement, dated December 5, 2001
between
BNP Paribas and MBNA Master Credit Card Trust II.


The following are filed as Exhibits to this Report under Exhibit 20:



      20.1  Series 1994-C Certificateholders' Statement for the month
ended January 31, 2001.

      20.2  Series 1995-A Certificateholders' Statement for the month
ended January 31, 2001.

      20.3  Series 1995-C Certificateholders' Statement for the month
ended January 31, 2001.

      20.4  Series 1995-E Certificateholders' Statement for the month
ended January 31, 2001.

     20.5  Series 1995-J Certificateholders' Statement for the month
ended January 31, 2001.

     20.6  Series 1996-A Certificateholders' Statement for the month
ended January 31, 2001.

     20.7  Series 1996-B Certificateholders' Statement for the month
ended January 31, 2001.

     20.8  Series 1996-C Certificateholders' Statement for the month
ended January 31, 2001.

     20.9  Series 1996-D Certificateholders' Statement for the month
ended January 31, 2001.

     20.10  Series 1996-E Certificateholders' Statement for the month
ended January 31, 2001.

     20.11  Series 1996-G Certificateholders' Statement for the month
ended January 31, 2001.

     20.12  Series 1996-H Certificateholders' Statement for the month
ended January 31, 2001.

     20.13  Series 1996-J Certificateholders' Statement for the month
ended January 31, 2001.

     20.14  Series 1996-K Certificateholders' Statement for the month
ended January 31, 2001.

     20.15  Series 1996-M Certificateholders' Statement for the month
ended January 31, 2001.

     20.16  Series 1997-B Certificateholders' Statement for the month
ended January 31, 2001.

     20.17  Series 1997-C Certificateholders' Statement for the month
ended January 31, 2001.

     20.18  Series 1997-E Certificateholders' Statement for the month
ended January 31, 2001.

     20.19  Series 1997-F Certificateholders' Statement for the month
ended January 31, 2001.

     20.20  Series 1997-I Certificateholders' Statement for the month
ended January 31, 2001.

     20.21  Series 1997-J Certificateholders' Statement for the month
ended January 31, 2001.

     20.22  Series 1997-K Certificateholders' Statement for the month
ended January 31, 2001.

     20.23  Series 1997-M Certificateholders' Statement for the month
ended January 31, 2001.

     20.24  Series 1998-A Certificateholders' Statement for the month
ended January 31, 2001.

     20.25  Series 1998-C Certificateholders' Statement for the month
ended January 31, 2001.

     20.26  Series 1998-D Certificateholders' Statement for the month
ended January 31, 2001.

     20.27  Series 1998-E Certificateholders' Statement for the month
ended January 31, 2001.

     20.28  Series 1998-F Certificateholders' Statement for the month
ended January 31, 2001.

     20.29  Series 1998-G Certificateholders' Statement for the month
ended January 31, 2001.

     20.30  Series 1998-I Certificateholders' Statement for the month
ended January 31, 2001.

     20.31  Series 1998-J Certificateholders' Statement for the month
ended January 31, 2001.

20.32 Series 1999-A Certificateholders' Statement for the month
ended January 31, 2001.

20.33 Series 1999-B Certificateholders' Statement for the month
ended January 31, 2001.

20.34 Series 1999-D Certificateholders' Statement for the month
ended January 31, 2001.

20.35 Series 1999-E Certificateholders' Statement for the month
ended January 31, 2001.

20.36 Series 1999-G Certificateholders' Statement for the month
ended January 31, 2001.

20.37 Series 1999-H Certificateholders' Statement for the month
ended January 31, 2001.

20.38 Series 1999-I Certificateholders' Statement for the month
ended January 31, 2001.

20.39 Series 1999-J Certificateholders' Statement for the month
ended January 31, 2001.

20.40 Series 1999-L Certificateholders' Statement for the month
ended January 31, 2001.

20.41 Series 1999-M Certificateholders' Statement for the month
ended January 31, 2001.

20.42 Series 2000-A Certificateholders' Statement for the month
ended January 31, 2001.

20.43 Series 2000-B Certificateholders' Statement for the month
ended January 31, 2001.

20.44 Series 2000-C Certificateholders' Statement for the month
ended January 31, 2001.

20.45 Series 2000-D Certificateholders' Statement for the month
ended January 31, 2001.

20.46 Series 2000-E Certificateholders' Statement for the month
ended January 31, 2001.

20.47 Series 2000-F Certificateholders' Statement for the month
ended January 31, 2001.

20.48 Series 2000-G Certificateholders' Statement for the month
ended January 31, 2001.

20.49 Series 2000-H Certificateholders' Statement for the month
ended January 31, 2001.

20.50 Series 2000-I Certificateholders' Statement for the month
ended January 31, 2001.

20.51 Series 2000-K Certificateholders' Statement for the month
ended January 31, 2001.

20.52 Series 2000-L Certificateholders' Statement for the month
ended January 31, 2001.



Item 7.     FINANCIAL STATEMENTS, PRO FORMA FINANCIAL INFORMATION, AND
EXHIBITS


     The following are filed as Exhibits to this Report under Exhibit
99:



     99.1.  Series 1994-C Key Performance Factors for the month ended
January 31, 2001.

     99.2.  Series 1995-A Key Performance Factors for the month ended
January 31, 2001.

     99.3.  Series 1995-C Key Performance Factors for the month ended
January 31, 2001.

     99.4.  Series 1995-E Key Performance Factors for the month ended
January 31, 2001.

     99.5.  Series 1995-J Key Performance Factors for the month ended
January 31, 2001.

    99.6.  Series 1996-A Key Performance Factors for the month ended
January 31, 2001.

    99.7.  Series 1996-B Key Performance Factors for the month ended
January 31, 2001.

    99.8.  Series 1996-C Key Performance Factors for the month ended
January 31, 2001.

    99.9.  Series 1996-D Key Performance Factors for the month ended
January 31, 2001.

    99.10.  Series 1996-E Key Performance Factors for the month ended
January 31, 2001.

    99.11.  Series 1996-G Key Performance Factors for the month ended
January 31, 2001.

    99.12.  Series 1996-H Key Performance Factors for the month ended
January 31, 2001.

    99.13.  Series 1996-J Key Performance Factors for the month ended
January 31, 2001.

    99.14.  Series 1996-K Key Performance Factors for the month ended
January 31, 2001.

    99.15.  Series 1996-M Key Performance Factors for the month ended
January 31, 2001.

    99.16.  Series 1997-B Key Performance Factors for the month ended
January 31, 2001.

    99.17.  Series 1997-C Key Performance Factors for the month ended
January 31, 2001.

    99.18.  Series 1997-E Key Performance Factors for the month ended
January 31, 2001.

    99.19.  Series 1997-F Key Performance Factors for the month ended
January 31, 2001.

    99.20.  Series 1997-I Key Performance Factors for the month ended
January 31, 2001.

    99.21.  Series 1997-J Key Performance Factors for the month ended
January 31, 2001.

99.22. Series 1997-K Key Performance Factors for the month ended
January 31, 2001.

99.23. Series 1997-M Key Performance Factors for the month ended
January 31, 2001.

99.24. Series 1998-A Key Performance Factors for the month ended
January 31, 2001.

99.25. Series 1998-C Key Performance Factors for the month ended
January 31, 2001.

99.26. Series 1998-D Key Performance Factors for the month ended
January 31, 2001.

99.27. Series 1998-E Key Performance Factors for the month ended
January 31, 2001.

99.28. Series 1998-F Key Performance Factors for the month ended
January 31, 2001.

99.29. Series 1998-G Key Performance Factors for the month ended
January 31, 2001.

99.30. Series 1998-I Key Performance Factors for the month ended
January 31, 2001.

99.31. Series 1998-J Key Performance Factors for the month ended
January 31, 2001.

99.32. Series 1999-A Key Performance Factors for the month ended
January 31, 2001.

99.33. Series 1999-B Key Performance Factors for the month ended
January 31, 2001.

99.34. Series 1999-D Key Performance Factors for the month ended
January 31, 2001.

99.35. Series 1999-E Key Performance Factors for the month ended
January 31, 2001.

99.36. Series 1999-G Key Performance Factors for the month ended
January 31, 2001.

99.37. Series 1999-H Key Performance Factors for the month ended
January 31, 2001.

99.38. Series 1999-I Key Performance Factors for the month ended
January 31, 2001.

99.39. Series 1999-J Key Performance Factors for the month ended
January 31, 2001.

99.40. Series 1999-L Key Performance Factors for the month ended
January 31, 2001.

99.41. Series 1999-M Key Performance Factors for the month ended
January 31, 2001.

99.42. Series 2000-A Key Performance Factors for the month ended
January 31, 2001.

99.43. Series 2000-B Key Performance Factors for the month ended
January 31, 2001.

99.44. Series 2000-C Key Performance Factors for the month ended
January 31, 2001.

99.45. Series 2000-D Key Performance Factors for the month ended
January 31, 2001.

99.46. Series 2000-E Key Performance Factors for the month ended
January 31, 2001.

99.47. Series 2000-F Key Performance Factors for the month ended
January 31, 2001.

99.48. Series 2000-G Key Performance Factors for the month ended
January 31, 2001.

99.49. Series 2000-H Key Performance Factors for the month ended
January 31, 2001.

99.50. Series 2000-I Key Performance Factors for the month ended
January 31, 2001.

99.51. Series 2000-K Key Performance Factors for the month ended
January 31, 2001.

99.52. Series 2000-L Key Performance Factors for the month ended
January 31, 2001.






                                SIGNATURES



      Pursuant to the requirements of the Securities Exchange Act of
1934, the Registrant has duly caused this report to be signed on its
behalf by the undersigned thereunto duly authorized.


Dated:     February 14, 2001


                               MBNA AMERICA BANK, NATIONAL ASSOCIATION



                                    By:         /s/Jack Fioravanti
                                   ----------------------------------
                                    Name:   Jack Fioravanti
                                    Title:  Senior Vice President