By using our websites (through any device) you agree that this Cookies Policy applies to that use in addition to any other terms and conditions which may apply.
What are cookies?
What is a cookie?
Cookies are files containing small amounts of information which are downloaded to the device you use when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. Cookies do lots of different and useful jobs, such as remembering your preferences, and generally improving your online experience..
There are different types of cookies. They all work in the same way, but have minor differences:
Session cookies last only for the duration of your visit and are deleted when you close your browser. These facilitate various tasks such as allowing a website to identify that a user of a particular device is navigating from page to page, supporting website security or basic functionality.
Many of the cookies we use are session cookies. For example, they help us to ensure the security of your Internet Banking session, and can also keep you logged in to Internet Banking while you move between pages or service your account.
Our session cookies used for security are designed to be very difficult to use except by us when you have an active Internet Banking session. They contain no personal information that can be used to identify an individual. Their names typically start with the letters IB e.g. IBSESSION, IBCOOKIE01, IBCOOKIE02.
Persistent cookies last after you have closed your browser, and allow a website to remember your actions and preferences. Sometimes persistent cookies are used by websites to provide targeted advertising based upon the browsing history of the device.
Bank of Scotland uses persistent cookies in a few ways, for example, to remember your username for log in so you don’t have to (cookie named HxUseLoginCookie). We also use persistent cookies to allow us to analyse customer visits to our site, for example our cookie named WT_fpc. These cookies help us to understand how customers arrive at and use our site so we can improve the Internet Banking service.
For full details about our cookies, we’ve put together a list of the cookies that we use.
First and third party cookies
Whether a cookie is a first or third party cookie depends on which website the cookie comes from. First party cookies are those set by or on behalf of the website visited. All other cookies are third party cookies. We use both first party and third party cookies, which you can read more about in our list of the cookies that we use.
Strictly necessary cookies
These cookies are essential in order to enable you to move around the website and use its features, and ensuring the security of your Internet Banking experience. Without these cookies services you have asked for, such as applying for products and managing your accounts, cannot be provided. These cookies don’t gather information about you for the purposes of marketing.
These cookies collect information about how visitors use a web site, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don't collect information that identifies a visitor although they may collect the IP address of the device used to access the site. All information these cookies collect is anonymous and is only used to improve how a website works, the user experience and to optimise our advertising. By using our websites you agree that we can place these types of cookies on your device, however you can block these cookies using your browser settings. For more information on how to do this you may wish to watch one of our short video guides which explain how this is done in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari).
These cookies allow the website to remember choices you make (such as your username). They may also be used to provide services you have requested such as watching a video. The information these cookies collect is anonymised (i.e. it does not contain your name, address etc.) and they do not track your browsing activity across other websites. By using our websites you agree that we can place these types of cookies on your device, however you can block these cookies using your browser settings. For more information on how to do this you may wish to watch one of our short video guides which explain how this is done in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari).
These cookies collect several pieces of information about your browsing habits. They are usually placed by advertising networks. They remember that you have visited a website and this information is shared with other organisations such as media publishers. These organisations do this in order to provide you with targeted adverts more relevant to you and your interests. This type of advertising is called online behavioural advertising and place an icon in the top right hand corner of an advert. This icon when clicked, will take you through to the website Your Online Choices where there is more help and guidance for you to Opt-out of this type of advertising. You can block these cookies using your browser settings. For more information on how to do this you may wish to watch one of our short video guides which explain how this is done in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari). By using our websites you agree that we can place these types of cookies on your device.
The cookies that we use
Cookies used by Bank of Scotland
Below is a full list of the cookies used by Bank of Scotland along with a description of what they are used for, and whether they are ‘first’ or ‘third’ party.
|_olocookie||This cookie is used by General Insurance to store session information related to the Home Insurance sales process. No information is held specific to the customer. The data relates to how the customer arrived at the site. The session data is only held for 1 day and is necessary to track the performance of our sales process. This is a third party cookie.|
|_Utma||The _utma cookie is part of Google analytics, and is primarily used to track visits to any site which uses Google analytics. _utma stores the number of visits made from your device, the time of the first visit, the previous visit, and the current visit. This cookie does not contain any personal information other than the IP address of your device. This is a third party cookie.|
|_Utmb||The _utmb cookie is part of Google analytics. __utmb and __utmc are used to check approximately how long you stay on any site which uses Google analytics: when a visit starts, and approximately ends. This cookie does not contain any personal information other than the IP address of your device. This is a third party cookie.|
|_Utmc||The _utmc cookie is part of Google analytics. __utmb and __utmc are used to check approximately how long you stay on any site which uses Google analytics: when a visit starts, and approximately ends. This cookie does not contain any personal information other than the IP address of your device. This is a third party cookie.|
|_Utmv||The _utmv cookie is part of Google analytics. It contains no specific customer data other than the IP address of your device, but is used to record Custom variables for segmentation. This is a third party cookie.|
|_Wt.control-305452-ta loans||Webtrends Optimize cookie, used to record how many times your device has been used to view pages on our website, and tailor the website to those items we consider may be of interest based on pages previously visited. The cookie does not store personal information other than the IP address of your device. This is a third party persistent cookie which is stored for 90 days from creation / last visit.|
|16183-MID||Part of the Online Media Group (OMG) suite of cookies.
This cookie records what website the click came from and it’s referring URL. No personal information other than the user's IP Address is collected. The function of this cookie is to help with campaign optimisation by providing details of which of our partners are driving the largest volume of credit card applications.
This cookie also allows us to remunerate our partners for successful credit card applications generated by referrals. This cookie does not allow either OMG or LBG to see any personal data of the customer's credit card application form. This is a third party cookie.
|16183-MID.sol||This cookie is used by OMG, a partner of LBG, to derive the same information as the 16183-MID cookie, however this cookie is only read by OMG if the standard cookie (16183-MID) is not present.|
|Acookie||ACOOKIE is a Webtrends optimise first party cookie. Lloyds Banking Group (including Bank of Scotland) have a First party relationship with Webtrends who act on our behalf. Data contained in cookie includes visitor identifier (not personal details); which of our websites was visited; the time of last visit to one of our websites and the time of this visit. This allows us to understand how recently your device was used to access our website.|
|APSESSION||This cookie is used to keep the connection between your browser and our servers as you move around our website. It uses a randomly generated identifier and does not contain any personal information other than your IP address. This is a first party cookie.|
|ASP.net_sessionID||This cookie is used for storing the customers session ID which is used to identify the customer. Session ID is then used to store the customers data for 15 minutes so they do not have to rekey information when navigating between pages.|
|boscouk||This cookie is used to ensure that customers see fresh versions of the homepage each time they visit the page. So that they are not bored with the same message every time they see the page the cookie store which version of the home page they last saw and ensures they see the alternate rotation of the home page.|
|Calling_URL||Recognition of which URL a customer uses to access the secure site, in order to identify the appropriate branding to display. This is a first party cookie.|
The dcConnector cookie is used to manage the connection between DoubleClick and WebTrend analytics. It enables better evaluation of advertising effectiveness. This is a third party cookie.
This is an anonymous, unique identifier used to track how successful our advertising is. The Google DoubleClick cookie also enables Google and its partners to track and serve our advertisements on other websites across the Internet based on your visit history (or behavioural profile) to our website. Recent click history for your device is also collected in encrypted form, this allows external advertisers to target users of the device with adverts based on perceived interests. The cookie doesn’t store the IP address, but this is passed through to Google along with cookie by the browser. Google then renders the IP address unreadable by removing the last 3 characters. No personally identifiable data is collected or stored. This is a third-party cookie.
You can control the ads that you see on Google and find out more about how the ads are selected for you by visiting www.google.com/adsettings. Alternatively, you can also manage and opt-out of Google DoubleClick and other third party cookies by visiting www.youronlinechoices.com/uk/your-ad-choices.
|HBOSVISITOR||Website analytics and mapping customer journey. Used to track customer journey information i.e. pages customers navigate to and web clicks undertaken within that specific journey. Used to improve site experience and effectiveness. Contains a unique customer identifier.|
|Hx||Brand Identifier - ensures the correct branding is shown to customers within the secure site, dependant on which site they log in through.|
|Hxsession||Used to maintain the connection between a customer's browser and their session during the sales process. This is a first party cookie.|
|HxUseLoginCookie||This cookie stores the username of a customer on the log in page, only works once the customer has requested this via the tick box on screen. This is a first party cookie.|
The Id cookie collects the following:
The cookie doesn’t store the IP address, but this is passed through to Google along with cookie by the browser. Google then renders the IP address unreadable by removing the last 3 characters. This is a third party cookie.
|IDX||This cookie is used as part of the sign in process for Share Dealing. This is a first party cookie.|
|JSESSIONID||This is an essential security cookie for Internet Banking. This is a first party cookie.|
|ONTReqAuthenMethod||This cookie is used to help ensure the security of the connection between your browser and your session during the sales process. This is a first party cookie.|
|PageRefreshed||The PageRefreshed cookie is used by Share Dealing as part of the share dealing application’s appropriateness test. It enables the check-box identifying the page that has been refreshed. Once you click the submit button on the page, both it and the StartTime cookie will expire.|
|SDMobilePreference||This cookie records whether the last user to access the Share Dealing site from the device visited the online site or the mobile site, and will instruct the service to open in the appropriate format for this visit. This is a first party cookie.|
|StartTime||The StartTime cookie is used by Share Dealing as part of the share dealing application’s appropriateness test. It is created when you click to view our educational material within the application. Once you click the submit button on the page, both it and the PageRefreshed cookie will expire.|
|test/ 77tracking.com||This is an analytics cookie which allows us to understand how our paid advertising from Search is working. It allows us to understand traffic delivered from search advertising. This is a third party cookie.|
|WT_FPC||The purpose of this cookie is to identify the visitor and the session to allow us to track usage of our websites so we can improve them. Data contained in the cookie includes a visitor ID which is anonymous, the time of start and end of the visit. This is a first party cookie.|
|ASPSESSIONID||This TOMAS (The Open Market Annuity Service) cookie extended with auto generated characters is used by the Annuity Service website for storing the customers session ID which is used to identify the customer. Session ID is then used to store the customers data during the session on the Annuity Service website so they do not have to rekey information when navigating between pages. This is a third party cookie.|
|TomasAuth||This TOMAS (The Open Market Annuity Service) cookie is used to maintain a seamless and secure logged in status throughout a session on the Annuity Service website. This is a third party cookie.|
|#QuoteID#||This TOMAS (The Open Market Annuity Service) cookie is used for maintaining navigation on the main screen and is only activated when dependent details are entered. This is a third party cookie.|
This TOMAS (The Open Market Annuity Service) cookie extended with auto generated characters is used for ensuring security is maintained across the Annuity Service website. This is a third party cookie.
|Rocket Fuel||These are third party cookies used by Rocket Fuel ad servers (rfihub.com domain). We use their service to advertise our services on the internet. Rocket Fuel create and access three types of cookies:
|Quantcast||Quantcast collect anonymous traffic data, similar to a web server log. Data parameters collected include referral URL, random number for cache busting, screen resolution, browser settings, and page URL. Quantcast do not collect personally identifiable information (PII) for measurement or targeting products. Cookie data will continue to aggregate as long as the pixels are live on site. These cookies are valid for 45 days from creation. This is a third party cookie.
To find out more, visit the Quantcast website. Alternatively, you can also manage and opt-out of Quantcast and other third party cookies by visiting www.youronlinechoices.com/uk/your-ad-choices.
|ABCookie||We use this cookie to remember when you have chosen to close the banking app banner, so that we don’t display it to you again if you have closed the banner in a previous session. This is a first party functionality cookie.|
What if I don't want to accept cookies?
If you wish to restrict or block the cookies which are set by any website - including Bank of Scotland websites, you should do this through the web browser settings for each web browser you use, on each device you use to access the Internet.
Please be aware that some of our services, for example Internet Banking, will not function if your web browser does not accept cookies. However, you can allow cookies from specific websites by making them "trusted websites" in your web browser. For more information on how to do this you may wish to watch one of our short video guides which explain how this is done in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari).
Alternatively, you may wish to visit www.allaboutcookies.org which contains comprehensive information on how to do this on a wider variety of browsers.