Important information relating to your account is contained within the Credit Card Agreement. For full details of all terms and conditions for each of our cards, please click on the appropriate link below.
Bank of Scotland Secure - Protection for Online Purchases
A free service that gives you extra protection when shopping online. It offers secure Internet shopping when using your Bank of Scotland credit or debit card to pay for goods and services at participating retailers' sites.
Chip and PIN
Protect yourself from fraudulent activity by using your PIN for purchases.
Online Banking Security
We are committed to protecting you, with the latest technology to keep your details secure, and dedicated teams to monitor online activity and intercept any suspicious transactions.
Nobody has ever lost any money from banking online with us. Thanks to our online fraud guarantee, you can be sure that you won't either, even if you do fall victim to fraud.
To be sure your accounts stay safe, you also need to look after your own security. Find out what you can do to protect yourself and your computer online, and how to avoid internet scams and dodgy emails.
Finally, check out the glossary for clear explanations of all the terms you'll come across.
When you apply for a credit card issued by the Bank of Scotland plc you will be given an opportunity to elect not to receive marketing information from us (whether about our own products and services or those offered by other suppliers).
This does not apply to the features and benefits which form part of your credit card account. If you apply for a card which is endorsed by another organisation we may pass your personal data to that organisation. If you do not wish to receive marketing material from that organisation you must contact them.
General Credit Card Information
These pages and the credit cards offered on this site are for people who are resident and ordinarily resident in the UK. The information set out in these pages should not be regarded as an offer or invitation to sell financial products outside the UK.
All credit facilities are subject to status and are available only to UK residents aged 18 or over.
All credit cards offered through this site are issued by Bank of Scotland plc. Registered in Scotland No.SC327000. Registered Office: The Mound, Edinburgh, EH1 1YZ.
We may monitor and record telephone calls made to or from Bank of Scotland to check what was said and to help us train our staff.
The information contained within this important information section relates only to the credit cards available through this site and not to other Halifax or Bank of Scotland credit cards.
Bank of Scotland plc is authorised and regulated by the Financial Services Authority, except for lending where we are licensed by the Office of Fair Trading. We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk
Complaints we cannot settle may be referred to the Financial Ombudsman Service.