A pair of adult sneakers and child snkeakers, next to each other on a wooden floor.

See if you’re pre-approved

One Check is our easy to use credit card eligibility checker. Answer a few questions and it will tell you whether you are pre-approved for any cards or whether we need to do some final checks. It will also tell you 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 can apply for.
  • One Check helps you find the right credit card for you.
Check if you're pre-approved

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 will tell you if you’re eligible to apply or you’ve been pre-approved. It will also tell you the credit limit you’re likely to be offered.

To find out more, watch our One Check video.

Check if you're pre-approved

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

Close your credit card account

More 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 guidance

Mobile Banking app

  • Join our 1 million app users
  • Simple and secure log in.
  • Stay up to date with notifications.

More about our app

Mobile Banking app

  • Join our 1 million app users
  • Simple and secure log in.
  • Stay up to date with notifications. 
Download our app

Support with the cost of living

With the current rising cost of living impacting many of us, keeping on top of your money might be worrying. Our tools and support can help you stay on top of your spending.

Help with money worries

Help me manage my money

Free independent help and support

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 60KB)