Mobile Banking from Bank of Scotland

Now it’s easier to use Internet Banking when you are on the move, whenever it’s most convenient for you. 

Our Mobile Banking service gives you the choice of two simple ways to log in to your accounts on your mobile:

1. Our free to download Mobile Banking app. Available from the Apple App Store, Google Play and BlackBerry App World.
2. Or you can log in straight from your mobile browser. We’ve optimised the site for Internet-enabled mobiles to make it quick, easy and convenient.

You can get started straightaway with your existing Internet Banking log in details. And we use the latest online security measures to help protect your money, your personal information and your privacy.

To download our Mobile Banking app directly to your phone, simply visit http://mobile.bankofscotland.co.uk from your mobile phone and select the store that’s appropriate to you.

• View account details, including the balance of your Bank of Scotland UK personal current, savings and credit card accounts
• Make payments to new and existing recipients
• See a history of transactions on your Bank of Scotland UK personal accounts
• Transfer funds between your Bank of Scotland UK personal current and savings accounts
• Check your credit card limit
• Log in using your existing Internet Banking log in details
• Manage your existing overdraft
• Apply for an Internet Saver Account**.

** Visit www.bankofscotland.co.uk/savings/ to find out more about our full range of savings accounts.

With our Mobile Banking app you can also:

• Find a Bank of Scotland branch, ATM or LINK ATM in the UK
• Find useful Bank of Scotland phone numbers.

Certain features of Internet Banking will still only be available when you log in to the full desktop site on your mobile or computer. These features include:

• Setting up, changing or cancelling standing orders or Direct Debits
• Applying for new products that are not available through Mobile Banking
• Approving pending payments
• For more information, please take a look at our Mobile Banking frequently asked questions.

Our Mobile Banking app

The Mobile Banking app is free to download and available from the Apple App Store, Google Play and BlackBerry App World. It gives you access to Mobile Banking when you’re out and about, plus some useful extras, too.

• View balances and transfer money between your Bank of Scotland UK personal current and savings accounts.
• Make payments to new and existing recipients.
• Manage your existing overdraft.
• Find a Bank of Scotland branch, ATM, or LINK ATM in the UK.
• Find useful Bank of Scotland phone numbers
• Apply for an Internet Saver Account**.

** Visit www.bankofscotland.co.uk/savings/ to find out more about our full range of savings accounts.

To download our Mobile Banking app directly to your phone, simply visit http://mobile.bankofscotland.co.uk from your mobile phone and select the store that’s appropriate to you.

Your mobile operating system

To download our app you’ll need:

• iPhone iOS4.0 and above
• Android 2.2 and above
• Blackberry 5.0 and above

Mobile Banking from your browser

You can also access Internet Banking through your mobile browser. It’s now been optimised for Internet-enabled mobiles so if you just prefer to use your browser, why not give it a try.

• Access your accounts online 24/7
• View balances and transfer money between your Bank of Scotland UK personal current and savings accounts
• Make payments to new and existing recipients

Mobile Text Alerting Service

Sign up for a whole range of Text Alerts to help you manage your personal current accounts. These include:

• Weekly Balance Alerts
• Overseas Transaction Alerts
• Limit Alerts
• High and Low Balance Alerts

Frequently asked questions

Do I need to register for Mobile Banking?
If you’re already registered for Internet Banking, you don’t need to register again. You can log in using the same username, password and memorable information that you use to access Internet Banking on our desktop site.

If you’re not already an Internet Banking user, you can register for Internet Banking via our desktop site by clicking on ‘Register for Internet Banking’ or via your mobile device on our Mobile Banking log in page.

Once you’ve registered, you will receive your personal username in the post within 3 working days at which point you will be able to access your accounts using both Internet Banking and Mobile Banking. When accessing via your mobile device, our website will recognise that you’re logging in using a mobile phone and direct you to our Mobile Banking pages.

After you’ve registered for Internet Banking, you may also want to register to receive our Mobile Text Alerts. To find out more visit our Mobile Text Alerting service page.

Will I use the same password and memorable information that I use on my desktop computer?
Yes, you use the same username, password and memorable information that you would use to log in to Internet Banking from your desktop computer.

Do I need to log out?
We recommend you always log out when you’ve finished using Mobile Banking. However, for your security, if you don't use Mobile Banking for more than ten minutes you'll be automatically logged out.

Can I use my mobile phone to access my bank accounts?
Yes. Mobile Banking lets you carry out simple banking transactions on your mobile phone.

You can check your Bank of Scotland UK personal current, savings and credit card accounts. You can transfer money between most of your Bank of Scotland UK personal accounts and make payments to companies and existing and new recipients from your mobile phone.

What banking transactions can I carry out?
You can carry out simple banking transactions, such as:

• Get an account overview, including the balance on your Bank of Scotland UK personal current, savings and credit card accounts. 
• Get a history of transactions on your Bank of Scotland UK personal accounts. 
• Transfer funds between your Bank of Scotland UK personal current and savings accounts. 
• Pay bills and make payments to existing and new recipients.
• Check your credit card limit.
• Manage your existing overdraft.

How can I make payments from my mobile phone?
To make payments using Mobile Banking you need to go to 'Your accounts', choose the account from which you want to make the payment and select 'Make a payment'.

Once you've completed this you'll be asked to check the details and confirm the payment. For security reasons, if you're setting up a payment to a new recipient, we'll need to call you to confirm it's you, so we'd recommend having a pen and paper handy to make a note of the authentication code that will be displayed on your Mobile Banking screen.

Once you've set up the payment, you'll see a confirmation message on the screen. Please note a payment may take up to three working days to be received once it has left your account.

Unfortunately some mobile phones don’t allow you to switch between using the browser and receiving a phone call, and would log you out. If you’re not sure if your mobile will do this, why not test this by asking a friend to call you while you’re using Mobile Banking. If you are still logged in after the call then you can set up a new recipient on your mobile. Make sure the call is shorter than 10 minutes, otherwise you will automatically be logged out.

If you can’t do this then you’ll need another phone number to receive the call.

How do I set up a payment of a new recipient on my mobile?
You set up a new recipient in a similar way to the desktop site. For security reasons, we’ll need to confirm that it’s you. We’ll do this in the same way as we do in Internet Banking, by calling you on a number we know is yours, which you can select on screen.

We can call you on the same mobile you’re using to make the payment, but if any of the other phones that are listed are within reach, you might find it easier to select one of those.

Unfortunately some mobiles don’t allow you to switch between using the browser and receiving a phone call, and would log you out. If you’re not sure if your mobile will do this, why not test this by asking a friend to call you while you’re using Mobile Banking. If you are still logged in after the call then you can set up a new recipient on your mobile. Make sure the call is shorter than 10 minutes, otherwise you will automatically be logged out.

If you can’t do this then you’ll need another phone number to receive the call.

How can I make transfers between accounts using my mobile?
To make transfers between accounts using Mobile Banking you need to go to ‘Your accounts’ choose the account you want to transfer money from and select ‘Make a transfer’.

On the ‘Account summary’ screen, select the account you want to transfer the money to and the amount to be transferred. When you select ‘Continue’, we'll ask you to check the details before confirming the transfer. You will see a confirmation message on the screen.

How do I switch to the desktop site and back on my mobile?
To switch to the desktop site whilst logged in to Mobile Banking, click on the 'Go to desktop site' button. If you later wish to return to Mobile Banking, click on the mobile icon located at the top right of the screen.

Can I access my bank accounts using the browser on my mobile?
We've launched a site designed specifically for most large screen Internet-enabled mobile phones. If you’re not already an Internet Banking user, you’ll need to register.

You can either register via Internet Banking from our desktop site by clicking on 'Register online’ or via your mobile device on our Mobile Banking log in page.

Once you’ve registered, you will receive your personal username in the post within 3 working days at which point you will be able to access your accounts using both Internet Banking and Mobile Banking. When accessing via your mobile device, our website will recognise that you’re logging in using a mobile phone and will direct you to our Mobile Banking pages.

Why can't I access Mobile Banking on my Opera Mini browser?
You can access Mobile Banking from the built-in web browser on most types of mobile phone. For security reasons we don’t allow access through certain other types of mobile browser. These are known as ‘transcoder browsers’. They use data-compression techniques to help load the screens more quickly. However as this involves processing the financial data we send to your phone differently, it may be less secure than other mobile browsers. It’s one of the ways we help to keep your money and banking information safe.

I'm using an old handset that doesn't have a browser. Can I still access my bank accounts on it?
If your mobile doesn't have a browser, you can still find out your account balance by using our Mobile Text Alerting service. 

Can I use Mobile Banking abroad?
Yes, although it may be unlawful to access some of the services in some countries and you are responsible for your use of it abroad. Your mobile operator may charge you for using Mobile Banking abroad, and roaming charges may apply, so please check with them.

How do I know that Mobile Banking is secure?
We use the latest online security measures to help protect your money, your personal information and your privacy while banking online with us. We guarantee to refund your money in the unlikely event you experience fraud with our Internet Banking service – as long as you’ve been careful, for example, by taking reasonable steps to keep your security information safe.

You can check what software your phone provider offers to protect you from online viruses and other hazards. Make sure that Bluetooth is switched off when not in use, and don’t accept or open any applications or MMS (picture) messages from unknown senders.

Use your mobile security features (such as creating a PIN) and treat the security of your mobile as you would with a personal computer.
For more information, visit our Online Security pages.

What if I lose my mobile? Is there a risk someone could commit fraud on my account?
To use Mobile Banking, you need to log in using your username, password and memorable information. No one will be able to access your account without this information. We would advise you not to store this information on your mobile or anywhere else.

How can I safely recycle or dispose of my mobile phone/device if I have used it for Mobile Banking?
Before disposing of your mobile phone/device, we recommend you restore it to its factory settings. Then you can safely dispose of it. If you're not sure, please speak to your handset/device provider who should be able to assist you.

What should I do if I suspect my security credentials have been compromised?
You should call us immediately on 08456 02 00 00 (or +44 113 279 8302 from overseas).

If I use Mobile Banking, will I still be able to use Internet Banking on my desktop computer?
Yes. There will be no difference to the usual Internet Banking screens that you see when you log in from your desktop computer.

Will I be able to use the service from my mobile when it’s connected to the Internet by wi-fi?
Yes. A wi-fi connection will enable you to use this service.

I have several mobile phones. Will I always have to use the same one to access Mobile Banking?
If you’re logging in to Mobile Banking using your mobile phone’s browser then you can use any of them.

If you’ve downloaded our Mobile Banking app to your mobile device and wish to access the service through the app then you will need to use the same device.  However, if you do switch to another mobile phone which is Internet-enabled, then you should still be able to access Mobile Banking using that phone’s browser.

I have a tablet PC with an Internet browser. Will I be able to use it to access Mobile Banking?
Some tablet computers with smaller screens will allow you to use Mobile Banking. You also have the option to use the ‘view desktop’ facility in this service which will take you to our desktop Internet Banking site.

Tablets with larger screens, such as an iPad, will allow you to use our Internet Banking site, just like you can with your desktop computer.

Will I be able to use the browser on my iPod touch to access Mobile Banking?
Yes, but you’ll need to be connected to the Internet using a wi-fi connection to access this service.

Can I apply for a new Savings Account on my mobile phone?
Yes you can. If you do not already have an Internet Saver account, you can apply for one through Mobile Banking. We recommend you use the browser version of Mobile Banking rather than the app for this.
For our full list of Bank of Scotland savings accounts please visit www.bankofscotland.co.uk/savings.

Can I view my Internet Saver account on Internet Banking if I open it using my Mobile?
Yes you can.

Do I need to be a Bank of Scotland Customer to open an Internet Saver Account using my Mobile?
Yes you need to be a Bank of Scotland customer who is registered for Internet Banking in order to open an Internet Saver Account. To learn more and register for Internet Banking please visit www.bankofscotland.co.uk from your desktop computer.

How soon after applying for an Internet Saver Account using my mobile, can I start saving?
You can start saving right away into your new Internet Saver account. You can access your new account through Mobile Banking and Internet Banking. You can also set up a standing order to ensure you have a set amount going in to your Internet Saver.

Questions about our Mobile Banking app

How much does the app cost?
Our Mobile Banking app is free to use, but some network operators may charge for some services such as downloading or using the Mobile Banking app, so please check with them.

How do I know if the app is genuine?
Our app is only available from designated stores: Apple App Store, Google Play and BlackBerry App World. If you see a Bank of Scotland app on another app store, it will not be official and you should not download it - please report it to security@bankofscotland.co.uk  

Can I use the app abroad?
Yes, although the app has been designed for use in the UK and the ATM and branch finder will only apply in the UK.  It may be unlawful to access some of the services in some countries and you are responsible for your use of it abroad. Your mobile operator may charge you for using the app abroad, and roaming charges may apply, so please check with them.

Why is it when I open the app on my Android device it asks me for permission to access my Contacts?
The app includes some useful Bank of Scotland phone numbers, which you can choose to save to your Contacts. If you do this, the app will need to access the Contacts function on your Android device, and write to it. Other Contacts information on your device is not accessed in any other way.

Why is the Nokia Symbian Mobile Banking app no longer being offered to me?
Due to the recent changes to our Mobile Banking offerings we no longer support the Nokia Symbian app. However, you can still bank on the move through your mobile device’s browser by navigating to https://online.bankofscotland.co.uk/personal/logon/login.jsp?mobile=true

Why is there no branch & cash machine finder available for Nokia Symbian devices?
You can access our branch & cash machine finder service through your mobile device’s browser by navigating to http://www.bankofscotland.co.uk/branchfinder/search.asp

Should I delete the app from my Nokia Symbian device?
The Mobile Banking app service for Nokia Symbian devices is being turned off in June 2013 from when you will be unable to use it so it may be a good idea to delete it from your device. Remember that you can still access Mobile Banking through your device’s browser.

Does this apply to all Nokia Symbian phones?
Yes. Once the app is taken offline in June 2013 it will not be able to be accessed on any Nokia device.

Will I be charged for accessing Mobile Banking through my device’s browser going forward?
We don’t currently charge for Mobile Banking (whether through an app or device browser), but some network operators may charge for some services, so please check with them.