Silk Charge


A charge card with a high monthly spending limit, Silk opens doors to a world of privileges and benefits. Silk can be tailored to your lifestyle, offering the ability to order additional cards with tailored spending limits and varying benefits.

Representative 0% APR Variable  ·  Over 18s only ·  No Annual Fees


Available to Coutts clients only.
Your credit limit will depend on our credit assessment of you. The actual APR you will receive will depend on your circumstances.



Designed for a world without borders, Silk comes with a host of travel benefits, making it your ideal companion when you are abroad.

  • We have removed the 2.75% Non-Sterling Transaction Fee applicable to transactions in currencies other than sterling, allowing you to use your Silk Card abroad without incurring any additional charges.

  • If you are travelling abroad or intend to make a purchase which is of higher value than usual, please inform us of your plans by contacting Coutts Card Services on+44 (0) 20 8309 0045. We will update the information that we hold thereby minimising issues when you use your card at home or abroad.

  • LoungeKey™ is an airport lounge access programme which provides Silk cardholders with access to over 700 VIP lounges in over 300 major airports worldwide. A  separate membership card will not be required – to access a participating lounge, cardholders simply need to show their Silk Card and reference LoungeKey™.

    A flat rate of £15 per visit will apply. Guests can also be brought to lounges at a flat rate of £15 per guest visit. Access to the lounge is subject to capacity. For details of  all participating airport lounges and any conditions/restrictions that apply, visit the LoungeKey™ website at

  • Shopping in the US is more satisfying now that we’ve partnered with well-known retailers to provide Coutts Travel Rewards.

    Between 1 July 2017 and 30 June 2018, you will automatically receive a statement credit on purchases made at participating retailers with your Coutts Silk Card.

    For example, for every $250 purchase at Saks Fifth Avenue, you will receive a $25 credit. Other participating retailers with their own reward levels include Tory Burch, Original Penguin, Vera Bradley and many more.

    We will automatically enrol you for Coutts Travel Rewards. All you need to do is use your Coutts Silk Card at participating retailers and enjoy the credits.

    Full details of participating merchants and terms & conditions will be updated closer to the launch date.

Lifestyle and


Silk is synonymous with luxury and renowned for invaluable benefits and rewards. From access to experiences and events through to Coutts signature loyalty programme, every aspect of Silk has been designed with the discerning needs of our clients in mind.

  • Exclusive to Silk, the dedicated team is available to provide expert help 24 hours a day, 7 days a week.

    Available to Silk clients 24 hours a day, 7 days a week, the team speaks over 20 languages. From assisting with every aspect of travel from flight information, tickets, accommodation and car hire, to emergency currency, lost passports, messaging and interpretation services, the team is known for exceptional organisational skills and advice.

    Coutts Concierge also helps with social and leisure arrangements, from dinner reservations to chartering a yacht and booking tickets for sporting, theatrical and art events. Coutts Concierge is also on hand to provide support with domestic duties, from sourcing staff including cleaners, gardeners and nannies, to recommending interior designers, estate agents and other property services.

    Coutts Concierge

  • Our rewards programme, with exclusive gifts and experiences to recognise your loyalty.

    Thank You From Coutts allows us to show appreciation to clients for regularly using their Silk Card.

    As spending increases, cardholders automatically become eligible for a choice of gifts, from a range of luxury food and wine to getaways and private tours. Cardholders will receive a letter confirming when they become eligible for a gift and can redeem this online or by speaking to their private banker or Coutts Card Services.

    Thank You from Coutts

Flexible and


Created to simplify the complexities of modern life, Silk offers the features you would expect to ensure that it is as secure as it is connected.

  • Silk clients may request additional cards for their account with added flexibility of determining the level of privileges and benefits for each Silk cardholder. Clients can allocate an individual spending limit for each cardholder within their account, with spend itemised for each cardholder on a single, monthly statement which is sent to the primary cardholder.

    Over 18s only.

  • For added security and peace of mind, Coutts Online Verification ensures that only the cardholder is permitted to transact online.

    We have also introduced additional layers of security for your Coutts cards that will make online shopping less obtrusive but no less safe. Our new service is easier to use as there is no need to register your card or remember a password.

    Find out more about Coutts Online Verification

  • Enables cardholders to order currency or sterling for delivery direct to their home address. There is a commission fee of 1% of face value on all transactions, a cash withdrawal fee applies.


  • Contactless provides a faster way to pay for items up to £30. A convenient alternative to cash – a quick and secure way to touch and pay for those smaller purchases.

    Click here to view our frequently asked questions about contactless technology.

Already a client?

For more information about Coutts
products, please speak to your

Become a client

Please get in touch online or call
020 7753 1365 to find out more
about our services.

Calls may be recorded.

Important Information

Coutts & Co adheres to The Standards of Lending Practice which are monitored and enforced by the LSB:

Become a client

When you become a client of Coutts, you will be part of an exclusive network.

Read more »