Get more control with a virtual card

Yes, virtual cards are free. You can create them on your sole and/or joint account if you have both.

You can have a maximum of 2 virtual cards at the same time and up to 25 per year. These limits apply to your account overall, which means you can use them for both sole and joint accounts.

For example, you could have two virtual cards on your sole account and one or two on your joint account.

In the case of joint accounts, either account holder can use the full allowance, or you can split it so that each person has one virtual card.

Yes, virtual debit cards have a maximum spending limit of £5,000 per card, per day. If you have two virtual debit cards, your total maximum daily spending would be £10,000.

You can report a fraud, scam or disputed transaction using our mobile app:

• Log in to the app.
• Select your account.
• Tap on 'My transactions'
• Choose the transaction you need help with.
• Tap ‘Report a dispute, fraud or scam’.

You'll be taken to our debit card payment support page. 

No, once you've created a virtual card, it should be ready to use by 10pm the next working day. It may take a bit longer on weekends or bank holidays.

You will receive an in-app notification when your card is ready. Make sure your notifications are enabled in the app by going to ‘Home’ > ‘Settings’ > ‘Notifications’ > ‘Current Account’.

If you lose your mobile device, please let us know straight away. We will suspend your mobile banking app and cancel your virtual card. If you think your device has been stolen, contact the police.

How to contact us

Also, make sure to remove your virtual card from Apple Pay or Google Pay to stop any payments:

For Apple Pay: Change or remove a payment card from Apple Pay

For Google Pay: Edit or remove a payment card from Google Pay

If your virtual card is cancelled due to fraud, you must reach out to any merchants for your regular payments or subscriptions and provide your new card details. Additionally, you will need to update your digital wallet with your new card details.

Yes, your Apple Pay or Google Pay will continue to work.

We will cancel the compromised virtual card and create a replacement for you. Apple Pay or Google Pay payments will be taken from the new virtual card.

Apple Pay and Google Pay are digital wallets that allow you to store and use your payment cards for purchases. You need to add your payment cards to these apps to make payments.

Important: If you receive an unexpected One-Time Passcode (OTP) about adding your card to Apple Pay or Google Pay, and you didn’t request this, do not proceed and contact us immediately. Instead, contact us right away. Your card details may be at risk.

Stay alert for fraud: If you receive an unexpected One-Time Passcode that says you are adding your card to Apple Pay or Google Pay, and you are not trying to do this, do not continue. Contact us using the phone number on the back of your debit card immediately. Your card details could be compromised.