Go paper-free
Amend paper-free preferences for your statements and correspondence.
Everyday spending credit cards
Using an everyday credit card for all your essential expenses and things you buy regularly could you help you manage your budget better.
How an everyday purchase credit card might work for you
Usually come with a low rate on purchases.
Could be a useful way to keep control of your everyday spends, including food shopping, fuel and some bills.
Add your card to your smartphone and digital wallets for contactless shopping.
Things to consider
- Only borrow what you can afford to pay back each month.
- Make sure the credit card limit suits your needs.
- Try to pay back what you’ve spent in full each month, so you don’t have to pay interest on what you’ve borrowed.
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.
Features you’d expect – as standard
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Register online to check your balance, review transactions, make payments, request transfers and lots more on your computer, phone or tablet.
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You won’t be charged for transactions you didn’t authorise. You’ll need to let us know if you notice anything unusual, or if you lose your card.
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Make repayments through your bank, using your debit card, or set up a regular Direct Debit to take care of it automatically.
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You can call us 24/7 (in most cases) if you need to talk to us about something on your account.
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Make secure payments with your card wherever you see the contactless symbol. Or add your card to your phone, to make paying even quicker.
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Get your statements delivered online instead of through your letterbox.
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.