Existing customers

Using your card

Credit card services available online

Manage your credit card online and you will have access to a range of online card services:

  •  View your last statement and balance
  •  View any recent transactions
  •  Pay your monthly bills online if you have a bank account with us
  •  Balance transfers from most credit and some store cards, excluding other Bank of Scotland products.

To make use of these services, you will need to register for Internet Banking. If you’re already registered for the online service, your account will be available to view on ’My accounts’.

Balance transfers

You can transfer a balance to your Bank of Scotland credit card online if you are registered for our Internet Banking service.

Alternatively, call us on 0345 964 5645 (Mon-Sun, 24 hours) and provide the transfer details (amount, account number and card issuer).

After approving your request we will make arrangements with your other card issuer. Once these arrangements are complete and we have carried out the necessary security and fraud checks, the money will normally arrive by the next working day. We will only transfer balances within your credit limit, so please check your available credit before transferring a balance.

Balance transfers can be made from most credit and some store cards, excluding other Bank of Scotland products. We usually charge a fee for making balance transfers. The amount of the fee will be shown in your credit card conditions.

Your credit card PIN

If you've forgotten your PIN, you can request a PIN reminder which will be sent through the post. Contact us on 0345 964 5645 (Mon-Sun, 24 hours) and we will send your PIN reminder to you by post in 3-5 working days.

Please note that for security purposes, we cannot provide your PIN details over the phone.

You can change or unlock your credit card PIN at any cash machine that displays the Link symbol. You cannot change or unlock your PIN abroad.

Closing your account

To close your account please call us on 0345 728 3848 (8am – 9pm Mon – Fri & 9am – 5pm Sat) or write to Bank of Scotland, part of Lloyds Banking Group, at:

Lloyds Banking Group PLC
Pitreavie Credit Card Operations

Making payments

You can make payments via:

  • Direct Debit - This can be for a fixed amount or percentage, the minimum amount or the full outstanding balance. You will need to provide your bank account number and sort code. Call us on 0345 964 5645 or if you are registered for Internet Banking, you can log in and click on the ‘ways to pay’ tab in your credit card section.
  • Online - If you have a Bank of Scotland bank account you can make a payment online and it will normally be credited to your account within 2 hours.
  • Telephone Banking - if you have a Bank of Scotland bank account you can pay over the phone by calling 0345 721 3141. Your payment is normally credited to your account within 2 hours.
  • Standing Order - To set up a standing order please contact the bank where your current account is held. You need to provide your bank with the following information:
    Bank Sort Code 77-29-00
    Bank Account no. 00000000
    Your payment reference is your 16 digit card number.
  • By post - you can send the completed payment slip and cheque in the envelope provided to Card Services, Bank of Scotland (190), PO BOX 187, Sheffield, S98 1LJ. The cheque should be made payable to Bank of Scotland followed by your credit card number. You must allow 7 working days for the payment to reach us. Please use blue or black ink when writing cheques. Please do not send post-dated cheques and never send cash through the post.
  • In branch - you can call into any Bank of Scotland branch to make a payment. Just complete and hand in the Bank Giro Credit slip with a cheque or cash. Cheque payments should be made at least 4 working days before the due date shown. Cash payments will be credited to your account the same day (Monday to Sunday including bank/public holidays).
  • From another bank - you will need to provide these details to your bank:
    Bank Sort Code 77-29-00
    Bank Account no. 00000000
    Your payment reference is your 16 digit card number
  • International Payments - When making payment from an overseas bank account you may be asked to give our IBAN and BIC/SWIFT code:
    IBAN - GB38LOYD30675699067997 

However you choose to pay, you need to check that your payment will reach your account by the payment due date.

Important information

  • Do not send cash in the post
  • Please remember to allow extra time for your payment to reach us over bank holiday periods

If you require any other information regarding payments please contact our customer service team on 0345 964 5645 (Mon-Sun, 24 hours).

We accept payment using the Faster Payments Service (FPS).

Managing your credit card

Adding additional cardholders

You can share your credit card and its credit limit with any third party aged 18 or over (subject to eligibility and application), such as a spouse or partner. You can add up to three additional cardholders, free, to all our credit cards apart from the Student Credit Card.

To add a new cardholder or to remove/amend an existing cardholder (amendments apply to name and nationality only), please contact us on 0345 964 5645 (Mon-Sun, 24 hours).

Please note that additional cardholders will not be able to view the credit card online.

As principal cardholder, you are responsible for all transactions made on any additional cards and the entire debt. If the additional card is withdrawn, you must retrieve and destroy the card, during which time you are still liable for all transactions made using that card.

If for any reason you cannot retrieve the card, please call the card services team on the number shown on the reverse of your card.

Changing your credit limit

In order to help us to make a decision we require at least six months payment history on your account before you can request an increase of your credit limit. You can decrease your credit limit at any time after your card has been activated.

If you wish to apply to change your credit limit, please call 0345 964 5645 (Mon-Sun, 24 hours).

From time to time you may be offered a credit limit increase. If this happens, you will be advised in writing and have 30 days notice before any increase will take effect. However, should you wish to decline the increase, call 0345 964 5645 (Mon-Sun, 24 hours).

Changing your address

If you’re an online user, you can change your address by selecting ‘Change details’ from the ‘My accounts’ page.

Sign in now or register for our online service.

Otherwise, you can call our customer services department on 0345 964 5645 (Mon-Sun, 24 hours). You will need to have your credit card when you call to change your address over the telephone.

Changing your name

To change the name on your credit card account, you will need to visit your local branch, taking with you your original name-change documentation (Marriage Certificate, Deed Poll, etc).

Change your payment due date

If you want to change the date your monthly credit card payment is due, just call 0345 964 5645 (Mon-Sun, 24 hours).

General enquiries

0345 964 5645 (Mon-Sun, 24 hours)

Guide to Telephone Banking
for credit cards

You can report your card lost or stolen if you are registered for Internet Banking. Simply log in and complete our online form.

Or, phone us on 0800 028 8335 (Lines open 24 hours a day, 7 days a week). If you are calling from abroad, you can call us on +44 (0) 131 454 1605.

Planning to go abroad?

Tell us your travel plans. This will help make more of your card transactions hassle free while you're away. Log in and select the ‘Going abroad? Tell us’ link under ‘Your account tools’.

 Log in to Internet Banking

Or find out how to register for Internet Banking.

Alternatively call us on 0345 964 5645 (Mon-Sun, 24 hours) or visit your local branch.


Base Rate Information

If you want to understand more about the Bank of England Base Rate, or find out how a change could affect you, take a look at our FAQs.

 Base Rate FAQs


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