When our systems recognise activity on your account that is similar to known fraud trends your card usage may be restricted. We must then confirm with you if this recent activity is genuine or fraudulent.
If you have used your card and the payment has been declined you should check that:
- You have sufficient funds in the account
- The merchant accepts your card type
- Your card is active
If you need to clarify any of these checks you should call our Telephone Banking team before contacting the fraud team. When you have carried out these checks you should call our fraud line on +44 1312 780 277.
We always recommend you have other payment methods with you when you travel abroad. (eg other debit cards credit cards or foreign currency).
Using your credit card abroad
If you intend to use your credit card abroad it is best that you let us know. Telling us in advance that you’re travelling will notify our transaction monitoring systems you will be using credit card abroad. This will significantly reduce the likelihood of your transactions being blocked.
If you are signed up for Anytime Internet Banking you can log on and register the details of your trip yourself by completing the online form. It only takes a few minutes.
All you need to do is select 'Cards' from the left hand menu and register your travel plans in the 'Using your card abroad' section. For your credit card select ‘Register your travel plans for your credit card’.
Please have your Customer Number and PIN ready as this will enable your call to be answered faster and more securely. These are the same details you use to log in to Anytime Internet Banking.