Mobile Banking from Bank of Scotland

Make smart decisions on the go with the Bank of Scotland Mobile Banking app that has been rated no.1 for functionality.*

Our Mobile Banking app is packed with smart features to make banking with us fast, convenient and more secure than ever.

And we’ve recently added Touch ID, so if you’re using a compatible iPhone, you can choose to log in simply with just your fingerprint.

The no.1 rated functionality of the mobile banking app lets you:

  • Simply manage your money on the move - view your balances, transaction history, Direct Debits and Standing Orders
  • Transfer funds between your accounts, pay people and bills, and pay your phone contacts using just their mobile number
  • View pending transactions, pay your credit card bills and see what rate your savings are earning
  • Feel secure with the latest built-in security technology to protect your money, personal information and privacy
  • Cancel or replace lost or stolen cards, and order a new PIN
  • Notify us if you’re using your card abroad in a few simple clicks

* Source: No.1 rated functionality claim based on Forrester’s assessment of the Lloyds Bank app, 2016 UK Mobile Banking Functionality Benchmark. The Bank of Scotland Mobile Banking app has identical functionality to the Lloyds Bank Mobile Banking app.

Download our Mobile Banking app:

Apple App Store badge  Image of Google Play Store

Please note: For security reasons, you won’t be able to use your iOS or Android device if we think it’s been jailbroken or rooted. You can still access Internet Banking through your mobile browser.

More information about our iPhone and Android app

With our app, you’ll find Mobile Banking faster and easier. It includes a simple three character login and security features so you can bank safely whether you’re at home or on the go.

And we’ve recently added Touch ID, so if you’re using a compatible iPhone, logging in is even easier.

Watch a quick tour video to find out more (66 secs):

What you can do

The app allows you to carry out the main tasks that you use Internet Banking for, such as:

  • Checking your balances on your UK personal accounts
  • Transferring funds between your eligible accounts
  • Pay people and bills – and pay your phone contacts using just their mobile number
  • View full transaction histories, pending debit card transactions, cheques being processed and one–off pending payments
  • Managing your Direct Debits and Standing Orders
  • Finding your nearest Bank of Scotland branch or ATM.

If you’re new to banking on the move, please don’t worry. Using our app is easy and secure.

What you’ll need

  • A device running iOS or Android. The app is not compatible with some older versions of the operating systems – check the App Store or Google Play for more details. (alternatively customers can log in from their mobile browser)
  • Data access on your device (either Wi-Fi or cellular)
  • An Apple App Store or Google Play account
  • A Bank of Scotland UK personal account and an Internet Banking username and password. Terms and Conditions apply.
  • An up to date phone number that you’ve registered with us, so we can reach you while you register your device

Please note: If your phone has been tampered with (e.g. jailbroken or rooted) the app will not work on your device as our systems will detect this.

How to get started

Download our new app from Apple App Store or Google Play, then the first time you use it, you’ll need to register your device. Find out how to register your device.

Frequently asked questions

Register your iPhone or Android device

The first time you use the app, you'll need to register your device. This creates a secure link between your mobile device and your Internet Banking profile. It takes just a few minutes and you’ll only need to do it once. You’ll then be able to log in quickly and securely, using just three characters from your memorable information.

Watch the video to find out more, or follow the steps below.

What you’ll need:

  • A device running iOS or Android. The app is not compatible with some older versions of the operating systems – check the App Store or Google Play for more details. Alternatively customers can log in from their mobile browser.
  • Data access on your device (either Wi-Fi or cellular)
  • An Apple App Store or Google Play account
  • A Bank of Scotland UK personal account and an Internet Banking username and password
  • An up to date phone number that you’ve registered with us, so we can reach you while you register your device

Please note: If your phone has been tampered with (e.g. jailbroken or rooted) the app will not work on your device as our systems will detect this.

How to register your device:

  1. Make sure you have the latest Mobile Banking app from the Apple App Store or Google Play
  2. Open the app and enter your Internet Banking Username and password. You’ll be prompted to input three characters from your memorable information.
  3. Next, we’ll call you, to check it’s you.

    I. Just select which of your previously registered numbers we should call you on and make a note of the 4-digit code displayed in the app.
    II. When we call, follow the instructions and enter those 4 digits, using the phone keypad.
  4. Congratulations, you’ve registered the app and you’re ready to bank with us on the move.
  5. There are just a couple of other quick settings we’ll ask:

    I. how quickly you want to be logged out of the app when your device remains inactive
    ll. whether you allow us to use your location, so we can always direct you to the nearest ATM or Bank of Scotland branch.

Frequently asked questions

Device Registration

We know that online security is one of your top priorities and as you’d expect, the app is secure.

By registering your iPhone or Android device, you will create a secure link between your mobile device and your Internet Banking profile.

Once you've registered, every time you log into the app, we'll check that it’s your phone. After that, you'll be able to log in much more easily - using either Touch ID from a compatible device or Express Login, where we’ll ask you for a combination of three characters from your memorable information. This means you’ll be able to access your accounts more easily and quickly than ever, and still benefit from our enhanced security.

Each time you log in, the digits we’ll ask for from your memorable information will be different, which makes it very difficult for someone else to try and access your account, even if they’ve watched you log in. And for your added protection, we’ll lock your account after three incorrect attempts.

It’s easy to register your device and once you do you’ll be able to log in more quickly. And don’t worry, as part of our commitment to you, we offer a full Online Fraud Guarantee.

Our Fraud Guarantee

We guarantee to refund your money (including charges and interest that you’ve paid or not received as a result) in the unlikely event that you experience fraud with our Internet Banking service. We will take steps to protect you 24/7, using technology and safeguards that meet or exceed industry standards, but you must also use our online banking services carefully.

Being careful when you use our services includes, for example, that you:

  • Do all that you reasonably can to keep your Security Details (such as online and mobile username, password, and memorable information) secure, and you log off after each Internet Banking session.
  • Don’t let anyone else have access to your account or Security Details, or transact using them, even if they share a joint account with you through our Internet Banking services.
  • Tell us, as soon as you can if you think your Security Details have been lost, stolen, damaged or are being misused; or think someone may be accessing your accounts without your authority, or has discovered your Security Details.
  • Carry out regular virus checks on your devices.

If you've been grossly negligent, we will not refund any money taken from your account before you have told us your Security Details have been lost, stolen or could be misused.

We won't give you a refund if you have acted fraudulently.

For further guidance on using our online banking services - see our Internet Banking service conditions.

How we protect you

We know that you want to be able to access your accounts conveniently but don’t want to be worried about security. Our mobile app includes the following safety features:

Secure login. By registering you will create a secure link between your mobile device and your Internet Banking profile. This only needs to be done once on each device you use, and then you have to enter three characters from your memorable information to access your account(s).

Enhanced Internet Authentication. When you register your device for the first time, we'll call you to make sure the request is genuine. You’ll receive an automated call from us on a number you’ve previously registered with us. You’ll be asked to enter a four digit number into your telephone keypad. The whole thing takes just a couple of minutes and you can see this in action on our demo.

Automatic logout. You can set up how long your mobile device stays inactive before it logs you out of our banking app.

Fraud detection systems. We monitor your account(s) for any unusual activity.

Suspend account. We’ll temporarily disable your account(s) after a number of incorrect login attempts, in case fraudsters are trying to guess your details.

How you can protect yourself

We work hard every day to protect you and your money and here are a few simple steps you can take to protect yourself.

Protect your passwords. Never share your mobile security information with anyone, and don’t store it on your device. Always set up a password or PIN to access your mobile device(s).

Use official app stores. Our apps are only available from the following official app stores: Google Play or the Apple App Store for the Mobile Banking app, and Windows Phone store and BlackBerry World for the Windows and BlackBerry app. Always use the official Bank of Scotland Mobile Banking app, or log in via your browser, to do your banking.

Keep up-to-date. Contact your mobile phone provider and ask them for advice on software to protect you from viruses and other online hazards.

Be aware of Bluetooth. If you’re not using your Bluetooth connection, switch it off. Leaving it switched on could put your mobile device at risk from unauthorised access attempts.

Text message and email. Always be cautious when clicking on links in text messages or emails. Don't accept or open any apps or MMS messages from unknown senders. Never respond to emails that ask you to supply your login details. These are known as phishing emails. Remember, we’ll never ask you for your security information.

Jailbroken/rooted devices. To keep our customers' personal information safe and secure we don't allow jailbroken or rooted devices to be used to access the iPhone/Android Mobile Banking app. If you want to keep your device jailbroken/rooted, you can still access Mobile Banking through your mobile browser.

Contacting you

Criminals may use emails, text messages or phone calls to lure you into handing over sensitive and valuable information such as credit card and bank account numbers, passwords and log in details. These could then be used to commit fraud using your details.

We will always:

  • Quote your Internet Banking User ID or the last four digits of your account number. By default this will be your main account.
  • Greet you personally using your title and surname. For text alerts, check they come from BANKOFSCOT and quote the last four digits of your account number. If you are a General Insurance customer and don’t hold a bank account with us, don’t worry, we will always address text messages with the last four digits of your postcode.
  • Use links in our emails that will only ever go to a page on or start with something.bankofscotland.co.uk – for example mobile.bankofscotland.co.uk. We will never link directly through to our Internet Banking login page or ask for your personal details.
  • Use the sender addresses info@email.bankofscotland.co.uk or insurance@email.bankofscotland.co.uk.

If you receive a text message, email or phone call that you’re worried about or looks suspicious please email the details to security@bankofscotland.co.uk and we will look into it and use the information to help identify fraud.

You can find out more about how we protect you and your money and get details about our online banking guarantee by visiting Internet Banking security.

Latest fraudster's trick

Social Engineering

Be wary of suspicious calls. Some customers have advised us they’ve received suspicious calls from people claiming to be from Bank of Scotland or other well know organisations.

Be alert, stay safe and remember:

  • We’ll always quote your Internet Banking User ID or the last four digits of your account number. By default this will be your main account.
  • We'll never ask you to transfer any of your money out of your account to another account that you don’t recognise.
  • If you receive any suspicious calls just hang up, wait for at least 5 minutes for the line to clear and then call us to report the incident using the enquiry number on the back of your debit or credit card.
  • Where possible please call us using a separate phone line from the one on which you received the call.

Learn more by visiting Internet Banking Security.

Fraud & Security FAQs

Q: How can I be sure that Internet Banking on a mobile phone is secure?

A: We take your online security seriously, that’s why we use state-of-the-art anti-fraud systems to identify any unusual activity. We also give you peace of mind with our online fraud guarantee. If you use our online service and become a victim of online fraud, we guarantee you won't lose any money from your account, and will always be reimbursed in full. For the vast majority of our customers, this situation will never arise, especially if you take a few simple steps:

  • Keep your password secure and do not let anyone else make use of your security details, even if they share a joint account with you
  • Do not let anyone watch you enter your security details and log off after each Internet Banking session
  • Carry out regular virus checks on your devices and have the latest operating system and web browser installed.

Find out more about how to protect yourself online.

All banking data sent between the app and the bank is securely encrypted.

Q: If I lose my mobile phone, could someone else access my account?

A: If you lose your mobile phone please contact us as soon as you can on +44 113 279 8302 so we can de-register your device (open 24 hours a day, 7 days a week). This will ensure that if someone managed to obtain your Express Login details they wouldn't be able to access your accounts via the app. If you have problems with speech or hearing you can contact us using a Textphone. Please call us from a landline on +44 345 600 9644, 7 days a week between 9:00am - 5:00pm.

Q: What does ‘auto logout’ mean?

A: This is a 'timeout' feature that stops you from accidentally leaving your bank account open on your mobile device. You'll be logged out automatically after a period of inactivity during your current Mobile Banking session and you can select how long this is in the ‘Settings’ option.

Q: What should I do if I suspect someone else has gained access to my login details?

A: Call us immediately on +44 113 279 8302.

If you have problems with speech or hearing you can contact us using a Textphone. Please call us from a landline on +44 345 600 9644, open 24 hours a day, 7 days a week.

Getting started with Mobile Banking


To use Mobile Banking, you need to be registered for Internet Banking.

Register

If you're already registered for Internet Banking, you can use the same login details for Mobile Banking. Download our Mobile Banking app, or go to www.bankofscotland.co.uk on your mobile browser. Then log in.