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.
  • If you have a Contactless debit card, you can also make contactless payments.

Replacement debit card or PIN

Whether you need to report a debit card lost or stolen to us, or need a replacement debit card or PIN. If you are registered for Internet Banking, you can do this online.

Select the relevant link below, log in using your Internet Banking details and fill out our short online form.

Here is more information about replacing your debit cards and PINs.

Payment disputes

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

Find out how to dispute payments on your Bank of Scotland debit card.

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

Everyday Offers

Earn up to 15% cashback with Everyday Offers and the chance to win one of your purchases back up to the value of £500 on a monthly basis with ‘It's on Us’.

You need to be registered for Internet Banking to activate and use Everyday Offers.1


 Find out more

Save the ChangeĀ®2

As long as you are in credit, whenever you spend on your debit card, the difference will be rounded up to the nearest pound and moved into your savings account.

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

 Find out more

Using your debit card at home

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 £500 a day.
  • No need to queue at an ATM, get up to £50 cashback at most supermarkets.
  • Withdraw money from any cash machine that shows the LINK or VISA sign.

Using your debit card abroad

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.

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

Are you planning to go abroad soon?

If you are planning to go abroad and use your debit card, remember to tell us. We always look out for unusual activity on your debit card, so by letting us know your travel plans, we will expect to see international spending on your account.

  • You can set a travel flag on your card through Internet Banking using our simple online form. It only takes a few minutes to add your travel details.
  • Alternatively, phone us on 03457 21 31 41 for bank accounts (Lines open 24 hours a day, 7 days a week for existing customers).
  • If you have a hearing or a speech impairment you can use Textphone on 03457 32 34 36. Lines are open Monday to Friday, 9.00am - 5.30pm.

It’s also a good idea to save our overseas number (+44 (0) 1313 392 573) on your mobile in case you need to get in touch with us. 3 To use your Visa debit card hassle free when you go abroad make sure we hold your up-to-date mobile or best contact number. 4

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.. Save the Change only applies to Bank of Scotland current accounts opened on or after 12 September 2011.
3 Calls from abroad are charged according to the telephone service provider’s published tariff.
4 Your mobile number will not be used for marketing purposes unless you’ve already agreed to this. We may monitor or record telephone calls to check we have carried out your instructions correctly and to improve the quality of our service.

Bank of Scoland 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