Debit cards

Your Visa debit card at a glance

  • Use it to buy both big and small items
  • Use it worldwide, wherever you see the Visa symbol
  • A safe and convenient alternative to carrying cash
  • A secure payment method for total reassurance, protected against fraud or issues with goods bought from retailers. Visa Chargeback could help return a payment if there’s a problem
  • Make contactless payments with your debit card or even using Apple Pay or Google Pay up to the value of £100
  • Buy things online in just a few clicks with Visa Click to Pay

Lost or stolen cards

If your debit card is lost or stolen you can report it and request a replacement card online if you are registered for Internet Banking or through your Bank of Scotland Mobile Banking app. We’ll cancel your card and send you a replacement.

You can also freeze and unfreeze your card – handy if you’ve  temporarily forgotten where you put your card.

Replacement cards or PIN

You can view your card details in the Mobile Banking app – helpful if you’ve had to order a replacement card or just don’t have it to hand. You’ll be able to view them the day after requesting a new one.

If you need a reminder of your PIN you can view it in the Mobile Banking app or request a new PIN if you need to.

Payment disputes

If a payment has been taken incorrectly from your account we may be able to help.

Learn about what we do to help keep your money secure and see what you can do to minimise the risk of fraud.

Help if things go wrong

Visa Chargeback protects you if there’s a problem with goods or services you’ve bought on your Visa debit card. Using the service could mean that we can return a payment back to your debit card, if there has been a problem.

Always contact the retailer first if you have an issue with goods or services bought from a retailer. If they can’t help you, please call us on 0345 721 3141 or +44 (0) 131 337 4218 if you’re calling from outside the UK. Lines are open 8am – 8pm, seven days a week. Not all Telephone Banking services are available 24 hours a day, seven days a week. It always helps to keep your receipts as we may ask you for them.

Everyday Offers

Earn up to 15% cashback with Everyday Offers.

You need to be registered for Internet Banking to activate and use Everyday Offers1.

More about Everyday Offers

Save the Change®

Saving doesn’t have to be complicated. That’s why we’ve come up with Save the Change®, a simple everyday way to save for the things you want.

You need to be registered for Internet Banking to activate and use Save the Change®2.

More about Save the Change®

  • Whether it’s grabbing a bite to eat or booking this year’s sunny break, your Visa debit card is the easy way to pay.

    • Flexible enough to use for everyday shopping and larger one-off items.
    • Book or buy securely on the web or over the phone.
    • Pay your bills easily, whether they’re one off or regular.
    • Withdraw up to £800 a day.
    • No need to queue at an ATM, get up to £100 cashback at most supermarkets.

    Withdraw money from any cash machine that shows the LINK or VISA sign.

  • You can use your VISA debit card for purchases and to withdraw cash at ATMs when you go abroad, just look for the VISA symbol. Your Bank of Scotland debit card offers the following benefits:

    • Convenient and safe - Your Bank of Scotland debit card works in just the same way abroad as it does at home.
    • Good value and a convenient alternative to travel money from the high street.
    • Accepted all over the world - Pay for hotels, sightseeing, shopping and dining out.
    • Flexible - Order items and presents online in any currency.
    • Although you can use your Bank of Scotland Visa debit card abroad, only Contactless cards issued after 17th November 2017, including replacement cards, can be used worldwide wherever you see the contactless symbol.
    • It may be a good idea to make card payments in local currency and avoid paying the local currency conversion charges.

    Charges will apply for using your VISA debit card abroad. For more information on charges, visit our travel section.

    Going abroad soon? You no longer need to tell us

    You no longer have to tell us when you are travelling abroad. Our fraud and security systems are always on the lookout for suspicious activity on your accounts meaning you can relax when you are away making going abroad stress free.

    Before going abroad

    • Check overseas fees
    • Ensure your cards do not expire when you are away. Please check your expiry date.
    • Take another form of payment in case of emergency.
    • Ensure your contact details are up to date, update here. Please note we are always monitoring and reviewing your accounts, and will always act in your best interest in blocking or declining a transaction until you confirm it is authentic.
    • Take note of our overseas number to call in an emergency: +44 (0) 173 357 4121.

    Have an enjoyable trip!

1 To be eligible for Everyday Offers you need to be over 18, have a Bank of Scotland current account (Bank of Scotland Basic bank accounts are excluded), a Bank of Scotland debit and/or credit card and be registered for Internet Banking. Once you’ve activated Everyday Offers, just activate each offer to earn cashback on your next purchase.

2 Save the Change® is a registered trademark and is used under licence by Bank of Scotland plc.

Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.