You’ll start to enjoy the benefits of your account as soon as you receive your card. You can also begin using the Internet Bank or Banking app.

Getting your credit card and PIN

Your card and PIN should arrive about 7 working days after you open your account. For security reasons they are delivered in separate letters.

It might take longer than 7 days if we’ve asked for more details from you to approve your application.

If you haven’t received your card after 7 working days, you should get in touch with us immediately.

After you've used your card for the first time, you’ll be able to change your PIN.

Internet Bank and Telephone Banking

You'll receive your log in details by post. These are the same for the Internet Bank and Telephone Banking.

Once you log in, you'll be able to change your log in details to something that’s easy to remember.

Banking app

Once you have your Internet Bank log in, you can easily manage your money and check your balance in the Banking app.

Transfer a balance

You may be able to save money by transferring another credit or store card balance to your credit card.

See our balance transfer options for rates and charges, how to make the transfer, and what the minimum and maximum limits are.