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What are Credit Card Alerts?
What are Credit Card Transaction Notifications?
Credit Card alerts are notifications sent to your mobile device every time there is activity on your credit card or there is an important update related to the account.
You may receive notifications for:
- Purchases and cash withdrawals
- Payment and Direct debit due reminders
- Direct Debit activity (set up, changes)
- Refunds or credits (including repayments)
- Balance transfers (BT) and money transfers (MT) updates
- Declined transactions
These alerts are great to
- Stay on top of your payments and Direct Debits
- Track spending and account activity
- And to quickly identify anything unusual
How do I turn Credit Card Transaction Notifications on/off?
How do I turn Credit Card Transaction Notifications on/off?
These push notifications are now automatically set to on. You can choose to receive spend notifications for transactions made by additional cardholders too. By default, the spend notifications for additional cardholders are set to "off".
If you would like to change any of these preference you will need to do this using the mobile app.
- Head to the 'My Profile' section
- Select 'Notification preferences'
- Select 'Credit Card'
- For Transaction notifications, Select the Credit Card and toggle switch next to the Primary and/or the additional cardholder to turn on/off these notifications
- To manage all other notifications, simply toggle the relevant preferences within the same section
What should I do if I get a notification for a transaction that I don’t recognise?
What should I do if I get a notification for a transaction that I don’t recognise?
Don't recognise the retailer? Retailers sometimes use different names when processing your transaction. You can use the mobile app to look up common retailer names by clicking on the transaction and then tapping 'Need help with this transaction?'
Don’t recognise the amount spent? For some types of purchases (e.g., pay at pump fuel, hotels) your card may be authorised for an amount that is different to the final amount of sale. If this is the case, you may get a notification for the authorised amount rather than the sale amount. The final price paid will be shown in the mobile app within a day or two.
Still not sure? If you still do not recognise a transaction, please contact us immediately using either in-app chat or by calling the number on the back of your credit card.
Why have I been charged a small amount without purchasing anything?
Why have I been charged a small amount without purchasing anything?
Sometimes retailers will put through a small charge on your card to confirm it is active. This will usually be refunded and disappear after a couple of days. If this charge has not been refunded, or you do not recognise the merchant, please get in touch.
If you are using your card for contactless travel payment (e.g., Transport for London) please see the travel company’s website for more information on how your fare will be calculated.
Why am I getting duplicate notifications from Apple Pay or Google Pay?
Why am I getting duplicate notifications from Apple Pay or Google Pay?
When you make a transaction using Apple or Google Pay, you'll get one notification from them and one from us. It's easy to turn these off and make sure you're only receiving one:
For Apple Pay users – Open the 'Wallet' app and select your Debit and/or Credit Card. Click the three dots at the top right of the screen and switch the 'Allow Notifications' toggle off. You can return to this page and turn the toggle back on at any time.
For Google Pay users – Open the 'Google Pay' app and click on the three lines in the top left of the screen. Select 'Settings' and then switch the 'Purchase Notifications' toggle off. You can return to this page and turn the toggle back on at any time. Please note: The Google Pay purchase notification toggle switches notifications on/off for all cards you have linked to your account.
Should I expect to see a notification when I pay off my credit card balance?
Should I expect to see a notification when I pay off my credit card balance?
Yes. You will receive alerts when a payment is made or a repayment (credit/refund) is applied to the account.
Why have I been sent a notification about a refund?
Why have I been sent a notification about a refund?
Sometimes merchants might incorrectly charge you or charge you twice by accident. If this happens the transaction will be reversed, and we'll send you a notification saying you've received a refund. There will be no charge on your credit card statement.
Foreign currency transactions - Why is the amount shown in my notification different to my statement?
Foreign currency transactions - Why is the amount shown in my notification different to my statement?
When you spend in a foreign currency, we send you a notification using the exchange rate at that point in time. When your transaction is no longer pending and is added to your statement, sometimes the exchange rate can be slightly different. As a result, you may find the amount shown in your notification to be slightly different to the amount added to your statement.
I’ve already made my payment - why am I still getting a notification saying it’s due?
I’ve already made my payment why am I still getting a notification saying it’s due
If you’ve already paid, you might still receive a reminder. This can happen if the payment hasn’t yet been fully processed or reflected in your account. Please check your balance to confirm the payment has gone through. If it has, you can safely ignore the notification.
Will I get reminders for payments or Direct Debits?
Will I get reminders for payments or Direct Debits
Yes. You may receive different types of payment-related reminders depending on how the account is set up.
Payment Due Reminder: You will receive a reminder 3 working days before you payment due date if they you not yet made at least the minimum payment required for that statement period.
Direct Debit Reminder: If you have a Direct Debit set up, you will receive a reminder 3 working days before the Direct Debit is due to be collected from your bank account. This alert is for awareness only and confirms an upcoming collection.
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