Physical debit card inactivity FAQs

We don't send out new physical cards if there's inactivity on your old one (ie you haven't used your physical card over the last 13 months).

You can still use your debit card and make payments through Apple, Samsung or Google wallets.

If you need a physical debit card, read through ‘How do I get a new card’?

We send out communications on an individual basis, depending on your card usage and expiry dates.

This means you and your joint account holder will get separate communications if you haven't used your physical card in the last 13 months before your card expiry date. If the joint account holder has used the card, they won't get a communication from us.

No. We can't remove active physical debit cards at the moment.

If we identified potential fraudulent transactions (or you notified us), a new physical card will automatically be sent.

Physical debit card transactions are chip and PIN payments, ATM / Post Office withdrawals, contactless payments, and online / phone transactions where you used your card details.

We're aiming to reduce the amount of plastic that we use.

If we identify physical debit card inactivity, we won't send a new physical (plastic) debit card once it expires.

We'll let you know ahead of your expiry date to make you aware.

If you would like a physical debit card, you can contact us via our UK contact centres, call into a local branch or use our online chat function to request one.

Your digital wallet will remain unaffected, and it will continue to work digitally through Apple, Samsung or Google wallets as it has done previously.

You won't be able to use an ATM to withdraw cash and you may not be able to get cashback when making a purchase in a shop.

You also won't be able to make online or phone purchases where you need to input all your card details manually.