Internet banking is safe and secure

The security of our service and of your accounts is absolutely our number one priority.  So if you want to experience all the benefits of our online service but are holding back because of worries about the security of your accounts, you can be assured that our online service is safe and secure.  That's why we back up what we say with our online fraud guarantee.


Our online fraud guarantee
We do all we can to protect you online. Even in the unlikely event of fraud, we promise you won't lose out. As a Bank of Scotland online banking customer, you automatically benefit from 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.