Card and PIN

To start using your IKEA Family credit card immediately you can add your virtual card to Google Pay or Apple Pay.

You can enable this feature even before your plastic credit card arrives in the post.

To make purchases that support this payment method, you will need to add your IKEA Family credit card to your preferred digital wallet.

We’ll send you a plastic card in the post. This can take 5-7 working days.

Yes, you do need to activate your card. You can do this by logging in to the IKEA Financial Services mobile app and clicking on the activate your card banner.

Wait until you receive your plastic card before activating, and make sure to activate it within 30 days. If you don’t, your virtual card will also stop working.

Your plastic card will not be active for contactless payments until you have made your first purchase in a store using your PIN.

If you have not received your card within 10 days log into the IKEA Financial Services mobile app, choose Settings, then select ‘Cancel and replace card’, click on ‘It’s been stolen’ and follow the instructions to block your card and order a new one.

We suggest checking your transactions in the IKEA Financial Services mobile app to make sure you recognise all of them. You can dispute unrecognised transactions through the IKEA Financial Services mobile app, choose the transaction and tap the "Dispute Transaction" button.

You'll be directed to the dispute portal to provide any required documents and information.

No, you cannot add a second card holder. If you need someone to help you manage your credit card you can add a 3rd party authority holder, however they will not be able to spend using your credit card.

To add a 3rd party authority please call us on 0333 155 4646.

Please call 0333 155 4646 to request your PIN to be reset. Once requested this will take up to two hours. You must know your PIN as this is a reset only, agents cannot tell you what your PIN is.

Once your PIN is reset, to use your card you will need to enter your PIN on the next transaction instore or at an ATM.

No, you can’t change your PIN. If you think your PIN may have been compromised, please report your card stolen by logging in to the IKEA Financial Services mobile app.

In the app, choose Settings, then select ‘Cancel and replace card’ card, click on ‘It’s been stolen’ and follow the instructions to block your card and order a new one. This will allow you to choose a different PIN, and we’ll send you a replacement plastic card.

Here are the most common reasons why a transaction might be declined:

• You are near or up to your credit limit.
• You have missed a payment – please call 0333 155 4612
• Contactless limit reached. (You’ll need to use your PIN)
• We suspect suspicious activity. (To protect you in some instances we may restrict spending on your card while we investigate suspicious activity, such as unusual spending activity on your account).

If you need extra help to understand why your transaction is declining, please contact us on 0333 155 4646.

In the IKEA Financial Services mobile app, choose Settings, then select ‘Cancel and replace card,’ click on ‘It’s been stolen’ and follow the instructions to block your card and order a new one.

Or you can call 0333 155 4646 24 hours, 7 days a week to report your card stolen. Once reported you will need to return to the app to reissue a new card.

Once you’ve blocked your card, you can check if any transactions have been made after your card was stolen and dispute these transactions through the IKEA Financial Services mobile app.

Once your new card arrives, please activate it through the IKEA Financial Services mobile app.

In the app, choose Settings, then select ‘Cancel and replace card,’ click on ‘It’s damaged’ and follow the instructions to block your card and order a new one.

Once your new card arrives, please activate it through the IKEA Financial Services mobile app.

If you can’t find your card, you can order a new one. In the app, choose Settings, then select ‘Cancel and replace card,’ click on ‘I can’t find it’ and follow the instructions to block your card and order a new one.

Once your new card arrives, please activate it through the IKEA Financial Services mobile app.

You can call 0333 155 4646, 24 hours, 7 days a week. to report your device stolen and that your card needs to be blocked. We can only block your IKEA Family credit card; you will need to contact the providers of your other cards.

When you download the IKEA Financial Services mobile app on your new device, we will ask you to verify yourself again using your ID and a selfie, like you did when you first applied for the IKEA Family credit card. Please refer to our Confirming your identity FAQs.