If you’re looking for a credit card, talk to us...

Options One Card

Representative 18.9% APR (variable)*. Ideal if you clear your balance in full each month. Up to 56 interest free days and a Cash back Scheme.

*Representative Example: If you had a credit limit on your card of £1,200, you used your full limit to make a single card purchase immediately after receiving your card and you repaid in equal monthly payments over 12 months at an interest rate of 17.44% variable, (Representative 18.9% APR variable), the total amount you will pay back is £1,313.33.

Options Two Card

Representative 16.9% APR (variable)*. Ideal if you require extended credit periods at different time of the year. Up to 51 interest free days.

*Representative Example: If you had a credit limit on your card of £1,200, you used your full limit to make a single card purchase immediately after receiving your card and you repaid in equal monthly payments over 12 months at an interest rate of 15.72% variable, (Representative 16.9% APR variable), the total amount you will pay back is £1,302.18.

Student Visa Credit Card

Representative 12.9% APR (variable)*. Designed to make payments easy and affordable for third level students.

*Representative Example: If you had a credit limit on your card of £1,200, you used your full limit to make a single card purchase immediately after receiving your card and you repaid in equal monthly payments over 12 months at an interest rate of 12.20% variable, (Representative 12.9% APR variable), the total amount you will pay back is £1,279.33.

Visa Gold Card

Representative 0% APR (variable)*. Designed for customers who look for more spending power and want to pay their balance in full every month.

*Representative Example: If you had a credit limit on your card of £1,200, you used your full limit to make a single card purchase immediately after receiving your card and you repaid this in full, by direct debit, by the payment due date advised to you on your first monthly statement at an interest rate of 0% variable, (Representative 0% APR variable), the total amount you will pay back is £1,200.00.

A credit card can be a very useful financial tool, giving you the freedom and peace of mind to do what you need to do, when you need to do it.

For detailed information on the features of each card, please click on the product name to find out more.

If you have any questions talk to us.

Features and Benefits	Options One Card	Options Two Card	Student Visa Credit Card	Visa Gold Card
No Annual Fee	Yes	Yes	Yes	Yes
Representative APR	18.9 %APR (variable)	16.9%APR (variable)	12.9%APR (variable)	0%APR (variable)
Earn Cashback with our loyalty reward Scheme	Yes	No	No	No
Interest free credit up to	*56 days	*51 days	*56 days	n/a
Contactless Payments	Yes	Yes	Yes	Yes
Secure Online Shopping	Yes	Yes	Yes	Yes
Flexible repayment options	Yes	Yes	Yes	No
Emergency cash when abroad (fees and charges may apply)	Yes	Yes	Yes	Yes
Must pay by 100% direct debit	No	No	No	Yes
Which card?	Ideal if you clear your balance in full each month. Up to 56 interest free days and a Cash back Scheme.	Ideal if you require extended credit periods at different time of the year. Up to 51 interest free days.	Available for third level students.	Designed for customers who look for more spending power and want to pay their balance in full every month
	Find out more	Find out more	Find out more	Find out more

Help and information

Worried about repayments

If you are worried about making repayments, there is a wide range of support available. In addition to our dedicated teams, independent information is also available through a number of free and confidential services. Find out more here.

Persistent Debt

You are considered to be in Persistent Debt if you have paid more in fees and interest than you have repaid of your borrowings over an 18 month period, as described by the UK financial conduct authority (FCA). Customers in persistent debt are contacted and encouraged to make higher repayments as doing so will reduce their over-all cost of borrowing, reduce their repayment period, and prevent future loss of use of their credit card. Find out more here

Standards of Lending Practice
We adhere to the Standards of Lending Practice which sets standards for banks when dealing with lending and overdrafts for personal customers. You can get more information on the Standards from any branch or at www.lendingstandardsboard.org.uk. Under the Standards we have also developed a Statement of Lender and Borrower Responsibilities to ensure that the relationship works well for both of us.