Visa, Mastercard debit cards

How to apply for a debit card in the UK?

Applying for a debit card in the UK is quite simple, the process does not require much effort. We offer a short step-by-step guide that will help you quickly become the owner of a bank debit card:

1. Choose a bank. Our catalog of bank debit cards will help you choose a bank. On this page, Bankchart analysts have collected the offers of all banks that provide for the opening of a card account. It is important to research all offers and compare the conditions of banks. We recommend paying special attention to cards without monthly fees, with convenient mobile banking, cards with cashback. Depending on your needs, you can choose different types of debit cards: savings account debit card, prepaid debit card, personalized debit card, free debit card with money.
2. Collect the necessary documents. To open a debit card, you need to provide the bank with proof of identity - this can be a valid passport, driver's license or national identity card. The second mandatory document is proof of address using the latest utility bill, bank statement, or lease agreement. These documents must include your current address. Some banks may require documents to prove income or employment status, but most apply to overdraft accounts
3. You can apply online on the bank's official website or at the nearest branch. When applying online, you will need to fill out a special form (questionnaire) and upload scanned copies of documents
4. Wait for approval. This process can last from several minutes to several days, depending on the bank.
5. Activate your debit card. After receiving the debit card, it must be activated. This can be done by using the card at an ATM or making a phone call. After that, you should set up online banking for convenient tracking of transactions

This way, you can apply for a Visa Maestro or MasterCard Gold debit card from the comfort of your home.

You can also place free funds on a savings account.

Calculate your future income on a savings account (example): 

What are the benefits of a bank debit card?

Debit cards are a convenient and safe way to carry out daily banking transactions and purchases. Due to their advantages, they are very popular in Great Britain. Let's consider their main advantages:

1. Convenience. You can use debit cards to pay in almost any store, pharmacy, or on the Internet and you don't need to carry cash with you. Debit cardholders have direct access to funds as all payments are directly linked to your bank account
2. Interest is not charged. Debit cards are debt-free because, unlike credit cards, you spend personal money that you already have in your card account.
3. Budgeting and cost control. A debit card is an extremely convenient way to control spending. Because all transactions are immediately reflected in your account balance, you can monitor your balance in real-time
4. Security. Debit bank cards are maximally protected against the actions of fraudsters. In addition, chip-pin code technology and contactless payments are safe
5. Cashback and rewards. Some banks offer favorable terms for refunds for purchases made with a debit card in certain retail stores. In addition, various reward and discount programs may be provided.

Who offers MasterCard debit cards?

Several banks and financial institutions in the UK offer Mastercard debit cards. These cards can be used for everyday spending, online purchases, and ATM withdrawals, both in the UK and abroad. Here are some of the major providers: Lloyds Bank, TSB, Santander, Metro Bank, Monzo, Starling Bank, First Direct, Revolut, Virgin Money, Cashplus.

Are there free debit cards?

Yes, debit cards are generally free in the UK. When you open a current account with most banks and financial institutions, a debit card is typically provided at no additional cost.

For standard current accounts, the debit card itself is usually free. There are no direct fees for using the card for everyday purchases or ATM withdrawals in the UK.

There are no fees for using your debit card for transactions within the UK, whether you're paying in-store, online, or withdrawing cash from most ATMs.

While the card itself is free, you may incur fees for using your debit card abroad. These fees can include foreign transaction fees, currency conversion charges, or ATM withdrawal fees. Some banks, like Starling Bank or Monzo, offer cards with no fees for foreign transactions.

Most banks will replace a lost or stolen debit card for free. However, some may charge a fee for expedited delivery if you need a replacement urgently.

Debit cards in the UK usually come with contactless payment functionality at no additional cost. This allows you to make quick payments by tapping your card on a payment terminal.

Do banks issue customized debit cards?

Yes, UK banks offer customized debit cards to their customers. Opening such a card, you can choose a design, add personal photos, or choose a topic from the suggested ones. Thus, the debit card will be personalized to your ideas and wishes as much as possible. Such a card will stand out among other standard cards. Therefore, you can create a unique debit card.

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Details of companies offering the financial services:

Axis Bank UK

Head office’s address: Regus Offices, Unit No. G 06, Eagle House 167, City Road, London, EC1V 1AW

Phone: +44 (020) 73972522

Web-site: http://www.axisbankuk.co.uk/

Swift code: AXISGB2L

Reference number: 577452

Stock code: AXB

ABN: 07554558

BSB: AXIS

Barclays Bank

Head office’s address: 1 Churchill Place, London E14 5HP

Contact center: 0800-400-100

Phone: +44 (034) 5734 53 45

Web-site: http://www.barclays.co.uk/

Swift code: BARCGB33

Reference number: 122702

Stock code: BARC

ABN: 01026167

BSB: BARC

Chase

Head office’s address: 4 Lombard St, London EC3V 9AA

Contact center: 0800 376 3333

Phone: +44 203 493 0829

Web-site: https://www.chase.co.uk/gb/en/

First Direct

Head office’s address: 40 Wakefield Road, Leeds LS98 1FD

Contact center: +44-345-610-0100

Web-site: https://www.firstdirect.com/

Halifax

Head office’s address: The Mound, Edinburgh EH1 1YZ

Contact center: 0345-720-3040

Phone: +44 (011) 3242 19 84

Web-site: http://www.halifax.co.uk/

Stock code: HALP

HyperJar

Head office’s address: Limited, HyperJar, 71-75 Shelton Street, Covent Garden, London

Web-site: https://hyperjar.com/

ICICI Bank UK

Head office’s address: One Thomas More Square London E1W 1YN

Contact center: +44 344-412-4444

Phone: +44 203 478 5319

Web-site: https://www.icicibank.co.uk/

Kroo Bank

Head office’s address: Labs House, 15-19 Bloomsbury Way, London

Web-site: https://www.kroo.com/

Lloyds Bank

Head office’s address: 25 Gresham Street, London EC2V 7HN

Contact center: 0345-300-0000

Web-site: https://www.lloydsbank.com/

Swift code: LBGTGB22

Reference number: 119278

Stock code: LLOY

ABN: 00002065

BSB: LBGT

Monzo Bank

Head office’s address: Broadwalk House, 5 Appold St, London EC2A 2AG

Contact center: 0800 802 1281

Phone: +44 20 3872-0620

Web-site: https://monzo.com/

Nationwide

Head office’s address: Nationwide House Pipers Way

Contact center: 0800-30-20-15

Phone: +44 (034) 5730 20 15

Web-site: http://www.nationwide.co.uk

Swift code: NBSMGB22

Reference number: 106078

Stock code: NBS

ABN: 355B

BSB: NBSM

NatWest Bank

Head office’s address: 250 Bishopsgate, London, EC2M 4AA

Contact center: 0800-88-11-77

Phone: +44 345 788 8444

Web-site: https://www.natwest.com/

Swift code: NWBKGB2

Reference number: 121878

Stock code: GBP1

ABN: 00929027

BSB: NWBK

Ode

Head office’s address: London

Web-site: https://ode.money/

Post Office

Head office’s address: 12 Eastcheap, London. EC3M 1AJ

Contact center: +44 345 722 3344

Web-site: http://www.postoffice.co.uk

Revolut UK

Head office’s address: London

Web-site: https://www.revolut.com/

Santander

Head office’s address: 2 Triton Square, Regent's Place, London, NW1 3AN

Contact center: 0800-389-7000

Web-site: http://www.santander.co.uk/

Swift code: ABBYGB3E

Reference number: 106054

ABN: 02294747

BSB: ABBY

Standard Chartered Bank

Head office’s address: Standard Chartered Bank, 1 Basinghall Avenue, London, EC2V 5DD

Phone: +44 207 885 8888

Web-site: https://www.sc.com/uk/

Swift code: SCBLGB2G

Reference number: 114276

ABN: ZC000018

BSB: SCBL

Starling Bank

Head office’s address: 5th Floor, London Fruit And Wool Exchange, 1 Duval Square, London, E1 6PW.

Phone: +44 20 7930 4450

Web-site: https://www.starlingbank.com/

Swift code: SRLGGB3L

Reference number: 730166

Stock code: STERLNB

ABN: 09092149

BSB: SRLG

Tesco Bank

Head office’s address: 2 S Gyle Cres, Edinburgh EH12 9FQ

Contact center: 0800-591-688

Phone: +44 131 203 5000

Web-site: http://www.tescobank.com

Swift code: TPFGGB2L

Reference number: 186022

Stock code: TSCO

ABN: SC173199

BSB: TPFG

The Co-operative Bank plc

Head office’s address: 1 Balloon Street, Manchester M60 4EP

Contact center: 159

Phone: +44 (034) 5721 22 12

Web-site: http://www.co-operativebank.co.uk/

Reference number: 121885

ABN: 00990937

TSB

Head office’s address: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH

Phone: +44 (034) 5975 87 58

Web-site: http://www.tsb.co.uk

Swift code: TSBSGB2A

Reference number: 119278

Stock code: 94AQ

ABN: SC095237

BSB: TSBS

Wise

Head office’s address: London

Web-site: https://wise.com/