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.

You won’t pay a credit card fee to send money to charities abroad

For now, non sterling transaction fees won’t be charged on Bank of Scotland credit card payments, made to non-UK based charities on and since 24th February 2022.

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

Bank of England Base Rate announcement

Find out about the Bank of England Base Rate and how a change in rates could affect your credit card.

Base Rate information

Reducing the cost of your credit

If you are paying more in interest, fees and charges than you are paying back, you may be in persistent debt. 

Managing persistent debt

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.

Card declined?

Learn a little more on why we have to decline some card transactions.

Find out more on card declines

Report your card lost or stolen

If you can't find your card, there's no need to worry.

You can report it lost or stolen online through Internet Banking or our Mobile Banking app.

We'll cancel the existing card straight away and send you a new one.

If you report your card as lost or stolen, you can view your card details in our Mobile Banking app.

Report your card lost or stolen

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)