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How can I keep track of my debit card payments so I don't go overdrawn?

To help you keep track of your debit card purchases, we have these useful suggestions:

  • Before you begin shopping, you need to know how much you have in your account so that you can check off the transactions you make against your available balance
  • Download our mobile banking app to help you monitor your balance, and to use our Get Cash facility to withdraw money without using a debit card
  • Keep all your receipts so that you can check what transactions have debited from your account once you have finished shopping (and to return anything!)
  • Contact our telephone banking team who can tell you what transactions are reflected in your available funds
  • Make sure that you know the amounts of all direct debits and standing orders you have set up, and on what dates they leave your account
  • Remember that the amount of some direct debits can vary from month to month (e.g. your phone bill). You will need to account for these amounts when working out your available balance

Telephone banking
Customers in Scotland
Personal - 03457 242424 (Overseas +44 131 5498888)
Business - 0345 6002230 (Overseas +44 131 5498888)
Minicom: 0800 404 6160

Customers in England and Wales
Personal - 0345 9000400 (Overseas +44 131 2420017)
Business - 0345 3070900 (Overseas +44 131 2420017)
Minicom: 0800 068 1289

Open 24 hours a day.
Calls may be recorded.
Call charge information.

Please have your Customer Number and security number 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 Digital Banking.