About our cards
You can use your card as soon as you have activated it. You can do this using our cards app which is available on the App Store or Google Play. Alternatively, you can activate your card by calling our Card Services Team on +44 (0)20 7012 2900.
After activating your card, you will need to input your PIN for your first transaction to enable contactless transactions.
If your card has been lost or stolen, or if you suspect fraudulent activity, please call our Card Services Team straight away on +44 (0)20 7012 2900 (available 24 hours).
If you have misplaced your card and would like to temporarily freeze your card transactions, you can block your card through our cards app or by calling our Card Services Team on +44 (0)20 7012 2900 (available 24 hours).
If your card has been lost or stolen, or if you have temporarily misplaced your card, we recommend that you block it so that payments cannot be made with your card. This is easily done in our cards app. You can download it here.
- Log in to the cards app
- Select the card you wish to block
- Under 'Card block', toggle on and your card will be blocked – you can unblock the card at any time by setting the toggle to off
Card block FAQs:
If you would like to order a replacement card or PIN, please call our Card Services Team on +44 (0)20 7012 2900.
You can retrieve your PIN from the Arbuthnot Latham cards app.
If you suspect that someone else may know your PIN, please notify us immediately on our 24/7 number +44 (0)20 7012 2900. We will cancel your card and send you a replacement.
You can pay for items just by holding your card in front of the contactless card-reader or you can still use Chip and PIN if you prefer to.
Contactless payments can be made using your debit and charge card up to £100. The cumulative spending amount before a PIN in required is £300. This means that if a criminal steals your card, they can spend up to £300 without needing to enter a PIN.
Contactless transactions are covered by the same fraud protection as your Chip and PIN transactions, provided you do not reveal your card details to anyone. Information on Visa contactless cards, including security, can be found at Visa Contactless.
Take steps to ensure you keep your cards safe and always stay alert to your surroundings. If your card is lost or stolen, you or any other cardholder must notify us immediately on +44 (0)20 7012 2900 (available 24 hours).
You can change your PIN at high street bank ATMs that display the VISA logo.
You can use your debit or charge card to make up to four cash withdrawals within any 24-hour period from ATMs with the VISA logo. We will not charge you to make ATM cash withdrawals that are in the same currency as your card. Please note that local ATM owners may choose to levy a charge.
There is a limit on the amount of cash you may withdraw in any 24-hour period, subject to cleared funds being available in your account. The limits vary depending on the currency of your card: £500, €600, or $700.
For cash withdrawals made in a currency different to the currency of your card, a service charge applies. For more information on fees and charges, please see our Products & Terms.
As more of us are shopping online, it is important to help protect you and/or your business from fraud.
Strong Customer Authentication (SCA)
SCA for online card payments is an extra security check that is applied each time you access your Online Banking Services, initiate an online payment, or carry out other actions, such as creating or amending a trusted beneficiary in online banking. SCA helps protect you against online fraud.
To read more about SCA and how to authenticate online card payments, please click here.
You should take care when authorising recurring card transactions (otherwise known as Continuous Payment Authorities).
A ‘recurring card transaction’ is where a supplier authorised by you will use your card details to debit regular payments from your account. Unlike direct debits, these payments are not covered by the direct debit guarantee, and we recommend that you do not authorise recurring payments in this way.
Continuous Payment Authorities will become unauthorised transactions only if they continue to be taken after the point that the customer requests cancellation with the supplier.
When using your card abroad, our fraud-detection systems are constantly verifying transactions. To help combat fraudulent use of your card we advise you to:
Any transactions carried out in a currency different to the currency of your Visa Debit card (including cash withdrawals) will be converted to the currency of your Debit Card using Visa’s wholesale reference rates. These are applied on the day the conversion is made. The transactions are subject to our foreign exchange commission. We will deduct the total payment from your account once we receive details of the payment from Visa. You can find out what these payments will cost by using our Currency Calculator.
If you are planning a trip overseas, it is advisable to let your banking team know so that transactions can be better assessed for fraudulent activity.
For more information on fees and charges, please see our Products & Terms.
Debit cards and charge cards are not covered by the scope of Section 75 of the Consumer Credit Act (CCA). However, if you would like to dispute a card transaction on your Arbuthnot Latham card, it is possible that the amount may be recoverable under the VISA chargeback scheme.
You can now link your Arbuthnot Latham cards to your mobile phone or device to make quick, safe, and secure payments.