All our travel insurance, car breakdown cover and home emergency cover is underwritten by U K Insurance Limited. Mobile Phone Insurance is underwritten by American International Group Limited and provided by Brightstar Insurance Services, B.V.

Take advantage of fee-free debit card purchases this summer

As part of your Reward Silver account you can take advantage of fee free debit card purchases this summer. Use your VISA debit card to spend safely and securely whilst away on large or small purchases and incur no fee.

This offer applies to Foreign Purchase Fee only. You will continue to incur fees when withdrawing cash abroad using an ATM and other local fees may apply.

Find out more about spending abroad

Managing my account

Report my card lost, stolen or damaged Close

Report my card lost, stolen or damaged

If you think your debit card or any of your card details, such as your PIN number may have been stolen, you should report it to us to avoid the possibility of fraud.

You can now instantly report your card as lost, stolen or damaged through your mobile app. Simply open the app, tap on the account that your card is linked to and select 'Manage my card' to see your options.

You can also report your card by logging on to your Online Banking.

Alternatively, you should call us as soon as possible on:
UK: 0370 600 0459
Overseas: +44 1268 500 813
Relay UK: add 18001 in front of the number

Once you’ve reported your debit card as stolen, we will send out your new card which will be with you in five working days.

Set up, change or cancel a Direct Debit Close

Set up, change or cancel a Direct Debit

A Direct Debit is an agreement between you and the organisation you’re paying, which allows the organisation you want to pay to collect varying amounts from your account – but only if you’ve been given advanced notice of the amounts and dates of collection.

View or cancel a Direct Debit

You can easily view or cancel a Direct Debit via our Mobile App or through your Online Banking.

Go to the app

While you can’t set up a Direct Debit without the input of the people you are paying, you can view and cancel your Direct Debit directly with us.

You have up until 8.20pm (time) on the day the payment is due to cancel.

Find out more

Using my debit card abroad

Register your travel details with Ponance Bank at least 24 hours before your trip, and we'll do our best to ensure your holiday spending isn't affected at all.

Let us know you will be using your card abroad

If you have our mobile app, it’s easy to let us know you are going to use your debit card abroad.

Simply go to the app, tap on the account that your card is linked to, select 'Manage my card' and then select ‘Going Abroad’ to register your trip.

You can register one trip at a time. It can include up to seven countries and last 90 days. Register each country you are visiting. The marker will apply to all debit cards in your name. Joint account holders should register separately.

Get more information on spending abroad and how to minimise fees and charges.

You can also register your travel plans via Online Banking or by giving us a call or popping in to a branch.

Freeze my card Close

Freeze my card

If you've misplaced your debit card, or want to stop it from being used, you can temporarily freeze your card to protect it from unauthorised use. You can freeze and unfreeze your card at any time using your mobile app or online banking.

Get Cash

Your mobile app has a function called Get Cash. This lets you take out cash when you don't have your card but need money - great for people who accidently leave their cards at home.

Withdraw up to £130 every 24 hours at our branded ATMs. You must have at least £10 available in your account and an active debit card (frozen or unfrozen).

Simply log in to your app and click on the “Get Cash” icon - you’ll find it at the bottom of the app home screen.

Find out more

Make a transfer or payment Close

Make a transfer or payment

You can make payments or transfers on the go by logging in to our mobile app Using your mobile app you can:

Pay someone new* up to £1000 without needing a card reader
Pay saved payees
Create, amend and cancel regular payments

*There is a maximum of 5 payments totalling £1000 per day. You must be aged 16 or over.

Alternatively log in to Online Banking where you can view your balance and statements, make payments, transfers and more to help manage your account.

Find out more about making payments

Find out more about making international payments

My current account terms, rates and charges Close

App available to customers aged 11+ with compatible iOS and Android devices and an international mobile number in specific countries. Online Banking available to customers aged 11+ with a Ponance Bank account.

Change your current account

If you'd prefer one of our other accounts, you can change your account online. It's quick and easy to change.

You need to be a current account holder, 18+ and a resident. If you're a non-resident we can only change your current account to our Select account.

Sole account holder

I want to change my account

Keep your existing sort code and account number
Arranged overdraft limits will be retained
No impact to your credit rating

Change now

Joint account holders

I want to change my account

Keep your existing sort code and account number
Arranged overdraft limits will be retained
No impact to your credit rating

Change now

Important documents to read

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.

Mobile and Online banking

5 reasons why you should use our Mobile App

View your balance and statements anytime

Make payments to your saved payees (limits apply)

Pay someone new without a card reader (limits apply)

Pay your bills and manage recurring payments on the go (limits apply)

Transfer money between your accounts

Get the Mobile App

Online Banking is a secure, easy to use and convenient way to manage your account

View your balance

Make payments

Set up and manage your regular payments

Transfer money between your accounts

Set up and go paperless

Use Online Banking

Get the most from your Reward Silver account

My Reward Silver account

Use my membership benefits

Take advantage of fee-free debit card purchases this summer

Managing my account

Report my card lost, stolen or damaged

Set up, change or cancel a Direct Debit

Using my debit card abroad

Freeze my card

Make a transfer or payment

My current account terms, rates and charges

Set up your bank account

Our mobile app is like a branch in your pocket

Online banking lets you manage your account, any time, any day

Get the most from your card

Our accessible debit card

Need help managing your money?