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

Use One Check  to check your eligibility now.
  • Want to find a credit card? Don't want to affect your credit score? One Check shows you our credit cards that you're eligible to apply for. You'll be able to see the rates and offers you could choose from and your estimated credit limit straight away.

    The check only takes around five minutes. Just answer a few questions online and tell us how much credit you'd find useful. Don't worry,  your credit rating won't be affected and there's no obligation to apply for a credit card afterwards. 

    One Check -  check your eligibility now. 

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

Set up our Mobile Banking app

Everyday banking on the go where you can:

  • View account statement and search transactions.
  • View pending transactions.
  • Report a card as lost or stolen or temporarily freeze it.
  • View PIN.
  • View card details.
  • Log on securely using fingerprint or Face ID with a compatible device.

Download on the App Store

Get it on Google Play




Step by step guide to setting up the app

Money worries

If you are struggling with your finances, or are worried about the increased cost of living, you are not alone. We can support you to get back on track.

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)

Mobile Banking app

Available to Internet Banking customers with a UK personal account and valid registered phone number. Our app is available on devices running iOS or Android. (the app is not compatible with some older versions of the operating systems – check the App Store or Google Play for more details). Our app does not work on jailbroken or rooted devices. Device registration required. Terms and conditions apply. Mobile Banking services may be affected by phone signal.

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.