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Some of our accounts come with the option to have a payment card. Depending on the type of account you have, a payment card is a cash or debit card.

You can use a Coventry payment card in the UK or abroad.

Using your card abroad

Applying for a card

If your account comes with a cash or debit card, and you haven’t already requested one, please ask at any branch or call us on 0800 121 8899. If you asked for a card when you applied for the account, you’ll get your card in the post a few days after we open your account. You must be 16 or over to have a cash or debit card issued. (Children with an Intro account may have a cash card from age 11).

We’ll also send you, in a separate envelope, a PIN (Personal Identification Number) which you’ll use with your card. If you have a joint account and both of you have a cash card, your cards and PINs will all arrive separately in the post.

Activating your card 

When your card arrives, follow the instructions to activate it otherwise it won't work. The instructions are in the letter you'll get with the card. 

Your PIN

Your PIN is the 4-number code you type in to get money out at a cash machine. It’s how we can check the person using the card is you, the account holder.

You can change your PIN at any Coventry and most LINK cash machines. Make sure you pick a number that you can remember but can’t be easily guessed by anyone else. So don’t use your birthday or something like ‘1234’.

You can use your card to:


Take money out at a cash machine showing the Visa, LINK or PLUS symbols.
You can get cash 24 hours a day, 7 days a week. We don't charge you to get money out of a Coventry cash machine, but other organisations may charge you to use their machines.

Check your balance at any LINK cash machine.

Print a mini-statement at any Coventry cash machine.

Top up your mobile at cash machines that offer this service.

 If you have a debit card, you can also:

Make purchases at retailers who accept VISA payments

Our payment card withdrawal limits

The current cash withdrawal limits are:

At a cash machine
Maximum £500 per day (in no more than 5 separate withdrawals)
At a Coventry cash machine, the minimum withdrawal is £10

Cash over the counter at any Coventry branch
Maximum £500 per day, per account, without notice
With 48 hours’ notice, the maximum is £4,000 per day, per person

Debit Card purchases and cashback
Merchant limits may apply

For cashback, the Coventry limit is £1,000 per day (up to 5 cashback transactions per day)

If your card is declined when you try to make a large transaction, call us on 0800 121 8899 during our normal business hours.

If you have an Intro account, the withdrawal limits are lower. Please refer to the Specific Terms of the account for details.

Take care of your card

If your card is lost or stolen, or someone else might know your PIN, call us immediately on 0800 121 8899 . If you don’t tell us, you could be liable for all transactions on your account.

Verified by Visa

If you have a Coventry debit card and shop online, you'll use Verified by Visa (VbV). It’s an additional layer of security designed to protect you against online fraud whenever you buy goods or services over the internet. It's a free service that we provide in conjunction with VISA.

For more information about Verified by Visa, including what to do if you forget your VbV password, go to the Visa Europe website: www.visaeurope.com/making-payments/verified-by-visa/

You use your debit card to set up continuous payments

Continuous (or ‘recurring’) payments are a series of payments collected from your account by a retailer or supplier under a ‘continuous payment authority’.

They’re commonly used for things like roadside assistance, magazine and TV subscriptions and other services where you need to make a regular payment. The retailer can continue to take payments until your agreement with them ends, or until you cancel the continuous payment authority. 

Continuous payments are different to Direct Debits
Continuous payment authority
Direct Debit
You set it up directly with the retailer, just using your debit card. 
You provide authority to the retailer to collect payments from your account with us.

They’ll ask you for the long number on the front of your debit card.
You give the retailer your account number and sort code.
Continuous payments aren’t covered by the Direct Debit Guarantee (but you can make a complaint to the retailer).
If there’s a mistake with a Direct Debit, we’ll refund you the full amount straightaway.
Cancelling a continuous payment authority

If you want to cancel a continuous payment authority, you can do this with the retailer or with us. Remember, you’ll still be responsible for paying any money you owe them.

Contact the retailer
Discuss the agreement you have with them. You can ask to cancel the payments or, if you need to keep paying them, you can ask to pay in another way. 

Contact us
You can ask us to cancel a continuous payment authority at any time. To stop a specific payment, you must request cancellation by the end of the business banking day before the payment is due to be made. If we receive the cancellation instruction after that, the payment will be made and your cancellation will apply to the next payment.

When you’ve cancelled your continuous payment authority, check your statement to make sure that no further continuous payments are taken.

If the retailer collects any further recurring payments under a continuous payment authority you’ve cancelled, contact us and we’ll treat them as unauthorised payments.