Existing credit card customers

If you're an existing customer and you’d like to know how to manage your Bank of Scotland credit card, you're in the right place. Here’s everything you need to make the most of your credit card.

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. 

Just received your new card?

Welcome! Thank you for choosing a Bank of Scotland credit card.

Activate your card

Already have Online Banking? 
Log in to activate your card

Not registered for Online Banking?
You can still activate your card online

Personalise your PIN

You can change or unlock your credit card PIN at any UK Cashpoint that shows the LINK symbol.

Paying your credit card bill

Every month you need to make at least the minimum payment shown on your statement.

There are a number of ways you can pay, so find the right one for you.

Ways to pay your credit card

Get more from your card

Enjoy the benefits of having a Bank of Scotland credit card. Here are some offers that might apply to you.

Transfer your balance from one credit card to another

Transfer money from your credit card to your bank account

Get a second credit card

Swap your credit card

Learn more about credit cards

APR, interest rates and fees

It’s easy to be confused by the different interest rates and fees that can be charged to your credit card account. We’ve listed the terms you’re likely to see and explained what these rates and fees mean for you.

Stay in control of your credit card

A credit card is a useful way of borrowing money in the short term. Learn how to stay in control of it to avoid financial difficulties.

Going abroad?

You no longer have to tell us when you’re travelling abroad. Our fraud and security systems are always on the lookout for suspicious activity on customers’ accounts, meaning you really can relax when you’re away. But there are a few things you should know before you travel.

Report your card lost or stolen

If you're registered for Internet Banking, you can report your card lost or stolen online.

Log in to report your card lost or stolen

Or call us on 0800 028 8335. If you're outside the UK, call +44 (0) 131 454 1605. Lines are open 24 hours a day, 7 days a week.

Misplaced your credit card?

You can freeze and unfreeze your cards through our Mobile Banking app.

Need more help?

For more about Bank of Scotland credit cards, visit our help and guidance page.

Here you’ll find links to our useful guides, plus information on payment disputes.

View all 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 60KB)

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 number 169628.