Activate your credit card now

It's quick, easy and secure to set up your card online.

Set up your credit card online

It's quick and easy to activate your new credit card with our secure Internet Banking. You'll need to have your credit card to hand; we'll need details from the card and some of your personal information to complete the activation. If you’re already registered for Internet Banking you’ll need your sign in details.

When you activate your credit card you'll be given the opportunity to choose additional services that may benefit you. Services include:

  • making a balance transfer
  • signing up for paper-free statements - online statements are available for credit cards via Internet Banking, making it easier to manage your account
  • setting up a Direct Debit - this can be for a fixed amount or percentage, the minimum or the full outstanding balance.

If you're not registered with Internet Banking, you’ll still have the opportunity to register once you’ve activated your credit card, you can then take advantage of these services.

Not registered for Internet Banking?

Even if you're not already registered for Internet Banking, you can still activate your new credit card securely online.

You'll also be able to register for Internet Banking, which will allow you to view your balance and statements and manage your account online. You can also choose not to receive paper copies by post by signing up for paper-free.

Already registered for Internet Banking?

Just log in to your account and we'll guide you through setting up your card online.

  • Important Information: If you enter your Internet Banking log-on details incorrectly or need to re-set your password, please return to this page and follow the link again to activate your credit card successfully.

In Branch

You can choose to activate your new credit card in any branch that's convenient to you, our branch staff are available to help you setup your new Bank of Scotland credit card.

Come and see us in any of our branches to talk to a member of the team.

Mobile Banking app

You can now activate your credit card using our Mobile Banking app.

Just look for the prompt within the notification centre on the homepage to activate your credit card.

Not using the Mobile Banking app? Our Mobile Banking app is packed with smart features to make banking with us fast, convenient and more secure than ever.

Telephone Banking

If you'd prefer to speak to someone to activate your credit card  or would like to discuss anything else about setting up your credit card, our Telephone Banking staff are available to help.

Call us on 0345 964 5645.

If you're calling from abroad you can call us on +44 (0) 1733 574 121.

We're available to take your call 24 hours a day, 7 days a week.

1. I'm not registered for Internet Banking, can you tell me more about the service?

Internet Banking is a safe, simple and convenient way to stay in control of your money. 

Here are some of the benefits of Internet Banking:

  • Feel Safe – You’re protected by our Fraud Guarantee
  • Easy to use – It’s simple to register and support is always available
  • Stay in control – Keep track of what's going in and coming out of your account at any time
  • Save time – No queues or busy times. Bank anytime and anywhere with our Mobile Banking services.

Find out more about Internet Banking

2. How do I register for Internet Banking?

It's easy to register and takes about 5 minutes to complete.

  • Enter your personal details
    Name, date of birth, postcode and account details for one of your Bank of Scotland accounts.
  • Choose a username and password
    You will need access to a phone and we may need to send you an activation code in the post.
  • Log in to Internet Banking
    Log in using the username and password you’ve chosen.

Register for Internet Banking

3. Do I need to activate my replacement card?

You will not need to activate your replacement credit card, unless the sticker on the card asks you to do so.

4. How do I activate an additional card?

The main cardholder must activate any additional card, as the 16 digit credit card account number of the main cardholder is needed. You can activate the additional card online, by calling the number on the credit card sticker or you can pop into your local branch.

5. Do I need to activate my credit card before I can use it online?

Yes, for security purposes you need to activate your credit card before you can use it.

6. Can I personalise my PIN number?

Its easy to change your PIN to a number you already know – a memorable date, for instance. You can change your PIN at most UK cash machines. Just insert your card and using the PIN we've sent you, follow the on-screen instructions.

7. I've forgotten my PIN number?

If you’ve forgotten your PIN, you can request a PIN reminder which will be sent through the post. You’ll receive your reminder by post in 3-5 working days.

Just select one of the following options:

  • Sign into Online Banking - Use our replacement cards and PINs service by selecting it from the ‘More actions’ tools.
  • Use our Mobile Banking app and select the account action button ( the 3 dotted icon) for your chosen account.
  • Call us on: 0345 964 5645 or +44 (0) 1733 574 121 if you're calling from abroad.
    We're available to take your call 24 hours a day, 7 days a week.

    Please note:
    for security purposes, we can't tell you what you're PIN number is over the phone.

Contactless Cards

To activate contactless on your Bank of Scotland credit card you just need to make a PIN transaction first.

Take a look at our contactless section for more information on the features and benefits of making contactless payments.

Planning to go abroad?

Use your Bank of Scotland credit card abroad with confidence, by setting a travel flag on your credit card before travelling.

We always look out for unusual activity on your account, so by letting us know your travel plans, we'll expect to see international spending on your card.

Balance transfers

 As an existing Bank of Scotland credit card customer you can benefit from promotional balance transfer offers, which could help you save money and manage your finances. A transfer fee may apply.

Lost or stolen credit card?


You can report your card lost or stolen if you are registered for Internet Banking. Simply log in and complete our online form.

Or, phone us on 0800 0 288 335 (Lines open 24 hours a day, 7 days a week). If you are calling from abroad, you can call us on +44 (0) 131 454 1605.