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 purchase 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

You can start using your card straight away. There’s no need to activate it first.

To activate contactless payments on your card, you will need to first use it with your PIN. This could be in a shop or at a cash machine.

Personalise your PIN

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

Make a change to your account

Add, amend or remove a cardholder

Change your credit limit

Change the payment due date

Change your address

Close your credit card account

Make another change

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.

Learn about APR, interest rates and fees

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.

Read our top tips for managing your credit card

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. Be aware though, that our fraud and security systems may still stop payments you are making while abroad if they suspect they may be fraudulent.

Read our advice on travelling abroad with a credit card

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

Getting started online

 

Mobile banking app

  • Join our 1 million app users
  • Simple and secure login.
  • Set up handy notifications.

 
 

Online banking

Log in to view or manage your accounts on our website.

Log in

Register

Mobile banking app

  • Join our 1 million app users
  • Simple and secure log in.
  • Set up handy notifications.
Download app

Online banking

Log in to view or manage your accounts on our website.

Log in

Register

You might also like

Money worries

If you’re struggling with your finances, or worried about the increased cost of living, you’re not alone. We can help.

Support with money worries

Your Credit Score

Check your credit score for free, with no impact on your credit file.
 

Check Your Credit Score

Borrowing options

When borrowing money, you need to make the right choice for you and your circumstances.

Borrowing options

Credit cards

Check eligibility, compare Bank of Scotland credit cards, manage your account, and get support online.

Explore credit cards

Credit cards

Check eligibility, compare Bank of Scotland credit cards, manage your account, and get support online.

Explore credit cards