Credit cards

Viewing your credit card online

When you sign in to view your credit card online, you will be taken to your 'Your accounts' page. To view your credit card transactions select the credit card account from your 'Your accounts' page.

Paper-free Statements

Online statements are available for credit cards within Internet Banking, making it much easier to manage your account. You will receive a PDF statement each month which cuts the clutter and statements are conveniently stored in one place.

We will send you an email each month when your statement is available to be viewed online - simply log in to view your statement.

If you choose to receive online statements, you will no longer receive paper statements for your credit card account by post. But with account tools available within Internet Banking, you are in control and can choose to start/stop receiving paper statements any time you wish to.

Paying your credit card online from a suitable Bank of Scotland Account

Select 'Pay Credit Card' from the 'Your accounts' page. Select the 'A new recipient' link and select the 'Pay a bill' tab. You'll be asked to provide the bank account details of the receiving organisation which should be shown on the bill. If they're not, contact the company who sent you the bill directly and ask for them. Next enter the amount and payment date, then click the 'Continue' button. At the confirmation screen you will be asked to enter your password to confirm your changes. Once you have entered your password and checked your payment details select the 'Confirm' button.

The payment will take up to 4 working days to process, so please allow for this if your payment has to be received by a specific date.

Balance transfers

The minimum transfer amount is £100. The total balance to be transferred, including the fee, must not exceed your current Bank of Scotland Credit Card limit. Balance transfers can take up to 7 working days to complete.

From 'Your accounts' select the 'Balance transfer' button next to your credit card account and follow the online instructions.

Any recently requested balance transfers will be shown.  These can be cancelled while the request remains pending, after which the balance transfer can no longer be cancelled.

Ordering replacement cards or PINs

If there is a problem with your card or PIN you can report it and request a replacement by logging in to Internet Banking or using the Bank of Scotland Mobile Banking app.

Your replacement card or PIN will be sent securely by post within 3-5 working days. Contactless enabled cards will be sent for all eligible accounts.

Bank of Scotland Secure

Bank of Scotland Secure is a free service provided by Bank of Scotland and certified by Visa International and Mastercard International. It provides a secure method of payment when you use your credit card to pay for goods or services bought over the internet.

You can find out more about Bank of Scotland Secure and enrol for this service from your 'Account tools' when you view your credit card account.