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My card is due to expire, what happens next?

Your replacement card will arrive at least one week before the existing card is due to expire.

The date on which your card will expire is the last day of the month in the year printed on the front of your card. It is shown as 'Expires End MM/YY'.

Please begin to use your replacement card as soon as it has arrived and securely destroy your old card.

Please remember to amend any existing payments you have set up with your old card number such as magazine subscriptions, online shopping sites or annual insurance renewals.

If your replacement card has not arrived within these timescales please call us.

Telephone banking
01624 637000 or +44 1624 637000 from outside the UK

Our Telephone Banking service is available Monday to Friday 7am to 7pm, Saturday 8am to 1pm. Calls may be recorded.

Important information for debit cards

If you haven't used your debit card for at least 13 months prior to expiry, we don't automatically replace your card. Using your debit card with your card-reader to approve a new payee within Online Banking will not be recognised as card activity.

Important information for credit cards

If you have been with us longer than 12 months and haven't used your card for 7 months or more, you will need to make a transaction within 30 days in order to ensure a replacement is sent.

If you took a credit card 7 months ago but never used it, you will need to make a transaction with 60 days in order to ensure a replacement is sent.