Secure and convenient ways to make purchases and withdraw cash, in the UK or abroad.
Our Debit Card gives you direct access to the money in your current account, and our Charge Card gives you up to 45 days’ interest-free credit, with the balance paid in full each month.
We take security seriously and use a range of anti-fraud measures.
If you can't find your Debit Card or Charge Card, but don't think it's lost or stolen, you can freeze it. If it turns up, you can then easily unfreeze it.
Read more about our guidelines to help you prevent fraud on your account.
If you think your card has been lost or stolen, report it to us immediately by calling your branch 9am to 5pm, or at any other time call Customer Connect on 0800 870 8000.
If there’s a problem with something you've bought with your Handelsbanken cards, speak to the retailer first.
In most cases this is the quickest way to get your money back.
However, if that doesn't work, ask us to help. We may be able to use the Mastercard chargeback service to get your money back, if:
We usually need to make a claim within 120 days of the transaction, or when the goods or services were meant to arrive, although this can vary.
We may need supporting evidence for your claim, such as proof of purchase and evidence of what's wrong, so have that ready. Mastercard have the final decision about whether a claim will be paid.
Chargeback is different from protection you get for credit card transactions under Section 75 of the Consumer Credit Act (where you can claim against the card provider as well as the retailer). This is because that protection doesn't apply to debit or charge cards.
Check our common reasons for not recognising a transaction first.
If you're still unsure, or you suspect it's fraud, call us immediately on 0800 470 8000 (outside the UK: +44 20 7578 8247).
A Charge Card allows you to make purchases up to an agreed credit limit and repay the balance in full each month. No interest is charged, which can provide up to 45 days’ interest‑free credit.
Both charge cards and credit cards allow you to spend up to an agreed credit limit. Charge cards must be repaid in full each month, meaning you don’t pay interest. Credit cards let you carry a balance across several months, although interest may be charged. Section 75 of the Consumer Credit Act provides additional protection, where you can claim against the card provider as well as the retailer. This protection applies to credit cards – not charge cards.
A debit card takes payments directly from your current account balance. A charge card allows you to borrow money up to an agreed credit limit which is then repaid in full each month, offering a different way to manage spending.
You can view your cards and transactions, manage card settings and activate cards using Individual Online Banking or the Individual Banking app. You can also freeze your cards, view your PIN and add cards to Apple Pay in the app.
You can activate new cards via Individual Online Banking or the Individual Banking app.
You can also activate new cards by calling your branch or Customer Connect.
You can apply for a Debit Card when opening a Handelsbanken Current Account, or apply later using a standalone application form.
To apply for a Charge Card, you must already have a Handelsbanken Current Account. The Charge Card has a separate application process.
Please speak to your branch if you would like a Charge Card.
You can use your card to withdraw cash anywhere in the world you see the Mastercard or LINK logos.
Handelsbanken won’t charge you a fee for using an ATM in the UK. If you’re abroad, we’ll charge 2.75% of the sterling amount for any non-sterling transactions.
Always check the screen when using an ATM as the operator may charge you.
Yes, you can use both Debit and Charge Cards internationally. When you’re abroad, we’ll charge 2.75% of the sterling amount for any non-sterling transactions made with your Debit or Charge Card.
You can manage overseas card usage settings through online or mobile banking.
Find out more about using your cards outside the UKYou can switch your card off so it can’t be used either abroad, or online and by telephone, then switch it on again when you need to. You can manage these settings through your Individual Online Banking or the Individual Banking app. It will always be available to use in person in the UK.
If you don’t recognise a transaction, it’s worth checking some common reasons first, as there may be a straightforward explanation.
If you’re still unsure or think a transaction may be fraudulent, contact us immediately so we can help protect your account.
