If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. To help find the right solution for your needs you can use our coronavirus support tools for credit cards and loans and for Halifax mortgages. If you have a Bank of Scotland mortgage, find out more here.

Check your eligibility

Coronavirus (COVID-19) support

We’re with you during this crisis. If your income has been affected by coronavirus, we’re here to support you. 

See if you’re eligible with One Check

One Check is our easy to use credit card eligibility checker. Answer a few questions and it will tell you which Bank of Scotland credit cards you’re eligible to apply for, plus the credit limit you could be offered. Using One Check won’t affect your credit score.

  • One simple form to complete in about five minutes.
  • One list of cards you’re likely to be approved for.
  • One Check helps you find the right credit card for you.
Check your eligibilityCheck your eligibility

What will you be using your new Bank of Scotland credit card for?

More about One Check

We want to make choosing a Bank of Scotland credit card as simple as possible for you. One Check does that by showing you the cards you’re eligible to apply for, and the credit limit you’re likely to be offered, so you can choose the right card for your needs.

To find out more, watch our One Check video.

Check your eligibility

Manage your Bank of Scotland credit card

If you’ve already got a credit card with us, you’ll find everything you need to look after it here.

Activate your new card

Report your card lost or stolen

Get a second credit card

Ways to pay

More existing customer helpMore existing customer help

Find out more about credit cards

A credit card can be a useful way to pay for goods or services, but it’s important to understand how they work, whether you’re thinking of applying for a Bank of Scotland credit card or you’re already a customer. These online guides will help you learn what you need to know.

APR, interest rates and fees

Top tips for managing your card

All help and guidanceAll help and guidance

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

Download the statement of responsibilities (PDF)

Bank of Scotland Credit Cards are issued by 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 no. 169628.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.