If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. To help find the right solution for your needs you can use our coronavirus support tools for credit cards and loans and for Halifax mortgages. If you have a Bank of Scotland mortgage, find out more here.

Using your credit card abroad

You no longer have to tell us when you are 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 are away.

Fees and charges

You should always be aware of any costs involved in using your credit card abroad. For example, if you withdraw cash at a Cashpoint.

Compare fees and charges

Your spending abroad is protected

Most credit card purchases between £100 and £30,000 are covered by Section 75 of the Consumer Credit Act 1974 – even purchases abroad.

This means you can claim compensation if you were using your credit card on holiday and something went wrong or the company you booked with goes into administration.

Things to remember before you go

  • Check your cards’ expiry dates so they don’t run out while you are away.
  • Take another form of payment in case of emergency.
  • Make sure your contact details are up to date so we can get in touch if we are concerned there may be fraudulent activity on your account.

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.

Help while you’re abroad

If you're having difficulty using your card abroad, call us on +44 (0) 1733 574 121.

Lines are open Mon-Sun, 7am - 11pm.

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.

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.