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Offers FAQs
Find answers to the most common queries about Offers.
Offers lets you earn up to 15% cashback on offers which you can activate in your online and mobile banking. Terms and conditions can be found in the online banking agreement.
Receiving cashback
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Cashback earned using a debit or credit card
Cashback will be paid into your account on or before the last working day of the month following your qualifying transaction. For example, if you redeem an offer in January, your cashback should be paid by the end of February.
Cashback earned from a direct debit offer
Cashback will be paid into your account on or before the last working day of the month after your second direct debit payment has been taken.
If you cancel your new service before the second direct debit is collected, cashback won’t be paid. The time it takes for a retailer to set up your direct debit may also affect when your cashback is paid.
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If you have more than one account with Bank of Scotland, your cashback will be paid into your oldest account. If you also hold eligible accounts with Lloyds or Halifax, we’ll pay your cashback into your newest account.
You can choose a different account for your cashback at any time in the Cashback history section of Offers. If you’ve made a change, your cashback will be paid into the account you most recently selected across Bank of Scotland, Lloyds or Halifax.
To receive your cashback, you’ll need to remain registered for Offers.
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Yes. If both account holders would like to use Offers, each person will need to register separately for online banking and for Offers.
Once registered, each account holder will receive their own offers, tailored to their individual spending patterns.
For direct debit offers, if both account holders receive and activate the same offer but only one person sets up the qualifying subscription to redeem it, cashback will be paid to the person who activated the offer first. The cashback will be paid into their nominated account, which could be the joint account or another eligible account.
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You can view the cashback you’ve earned in the Cashback history section of Offers. Please allow up to 5 working days for your cashback to show as pending.
You can also see how much cashback has been paid to you, and how much you’ve earned over the last 3 months, with a breakdown of the qualifying transactions.
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Yes. If you have more than one account with us, you can choose which account your cashback is paid into by visiting the Cashback history section of Offers.
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Yes. You can earn cashback when you use your Bank of Scotland credit card, provided you meet the usual eligibility criteria and are registered for Offers.
You can also earn cashback when using eligible credit cards with Lloyds or Halifax.
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Yes, spending by additional card holders will help generate new offers and earn cashback. However, the main cardholder needs to activate offers and only the main cardholder will receive cashback into their nominated account.
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Offers works with all your personal debit and credit cards across Bank of Scotland, Lloyds and Halifax. These cards are used to generate offers based on where you spend.
You can use any of your linked cards to redeem an offer and earn cashback.
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Yes, you can switch them off any time in the opt-out section of your Offers. Remember, you will lose any unpaid cashback that’s due to be paid into your account.
If you're also a Lloyds or Halifax customer, you'll be opting out of cashback for those too.
About Offers
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Offers give you cashback when you shop. Simply choose and activate an offer in your account, then pay using your debit or credit card, or set up a direct debit with the retailer.
The service is free and available to current account and credit card customers aged 18 or over.
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To register for Offers you need a current account or credit card. You must also be over 18 and registered for online banking. Terms and conditions apply.
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We suggest offers for places you might like to try, based on retailers you have previously shopped or set up a direct debit with.
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In your mobile banking app, or using your desktop, tablet or mobile browser: Log in and look for your Offers.
You can opt out of the service at any time in the app or online banking.
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You can view all available and activated offers in the Offers section of the app or online banking. You’ll usually need to activate an offer before you can earn cashback, although some offers may be activated automatically for you.
Once activated, simply use your debit or credit card with your selected retailers to earn cashback.
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If you’re a new customer, we may not yet have enough transaction information to tailor offers for you. Many offers are based on where customers typically spend, so once you start using your debit or credit cards, we’ll begin to generate and show offers for you.
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Debit or credit card offers
Visit Offers and activate the offers you’d like to use. When you shop next with your chosen retailers, simply pay using your debit or credit card to earn cashback.
Direct debit offers
Any direct debit offers available to you will appear alongside your other offers on your Offers page.
To redeem a direct debit offer:
- select the offer to activate it or view further details
- sign up for the service in line with the offer’s terms and conditions.
Important Information
Subscription services that require payment by direct debit will usually involve a contract with the service provider. These typically have a minimum term of between 12 and 24 months. You should consider carefully whether you’re able to commit to regular payments for this length of time.
If you cancel, change or switch your subscription before the end of the minimum term, the service provider may charge early termination or other fees.
If you’re signing up with a new provider, you should also check with your current supplier whether any early termination fees apply. This is something you’ll need to take into account before switching services.
For full details of pricing, terms and cancellation policies, please contact the service provider directly.
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Some of our offers have exclusions that are shown when you select them. Exclusions may vary between offers and some offers may only apply in certain areas.
You can find out if there are any exclusions, exceptions or caps by selecting the activated offer and reading the offer details.
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Is there a limit on the number of times I can use an offer that I have activated? expandable section
Some offers are only available to use once. If you want to check how many times you can use an offer you've activated, select it to read the offer details.
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If you’re registered for Offers, you can choose to receive app reminders, also known as push notifications, on your mobile device. We’ll notify you when new merchant offers are available and remind you when an activated but unused offer is due to expire. You don’t need to be logged into your banking app to receive these reminders.
Turning on Offers reminders won’t change your existing marketing preferences. You can manage your reminder settings at any time by selecting ‘Profile & Settings’ in the top right of your banking app. From ‘Settings’, choose ‘Notifications’, then switch alerts on or off as needed.
To receive reminders, you’ll need to be registered for Offers, have push notifications enabled in your mobile device settings, and opt in to reminders within your banking app.
Problems receiving cashback
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You can follow the steps below to check whether you’ve received the correct cashback:
Did you activate the offer?
You’ll need to select ‘Activate’ on the offer before shopping with the retailer to be eligible for cashback.
Have you allowed up to 5 working days for the cashback to appear?
Once an offer has been redeemed, it can take up to 5 working days for the cashback due to show as pending in your Cashback history.
Did you redeem the offer before it expired?
If your transaction was made after the offer expiry date, cashback won’t be paid. You can check expiry dates in the ‘Expired Offers’ section.
Were there any exclusions on the offer?
Some offers include exclusions — for example, they may be valid online only and not in store. Select the offer to view the full details and check any exclusions.
If you used a joint account, did you use the correct card?
To redeem an offer, you must use the card belonging to the person who activated the offer. You can find further information on using Offers with joint accounts in our help section.
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If you can’t find the answer to your question in our FAQs, then please give us a call.
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Retailers set their own conditions for each of their offers, such as:
- whether an offer is available both online and in store or online only
- the amount of cashback offered
- the expiry date of the offer
- any offer conditions or restrictions, such as how many times you can use the offer or which purchases it can be used on
- any limits to the amount you can earn from each offer
The specific conditions relating to your chosen offer will be displayed when you activate it.
The offer retailers are responsible for the offers you receive, but we’re responsible for making sure the cashback reaches your account. The terms and conditions for Offers can be found in the online banking agreement, and details of how we use your information are contained in our Privacy Policy.
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We try to ensure the information in all the offers is accurate. If there are any errors in an offer, we may withdraw or correct it. This won’t affect any offers we’ve already fulfilled.
Data protection
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So that we can provide you with relevant offers, we will regularly review the information we have about you. This helps us work out which offers you are eligible for and which are likely to be of interest to you.
You may notice that some of the offers we send you are for places you regularly shop at or are local to your home or work. That's because some of the offers may be based on the locations you've shopped at in the past, or the area you live in. Unless we have your express permission to do so, we won't use your mobile phone location data for your offers.
For full information on how the bank uses information about you, please see our Privacy Policy and check your marketing preferences in online banking.
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To provide you with Offers we share data with certain trusted parties under strict controls and conditions. This allows us to identify and provide you with your tailored offers. We also share limited specific transaction information with retailers when you redeem their offers so that they can verify the purchases you have made with them. Your information will always be transferred in a way which is secure and only used by us in accordance with our Privacy Policy.
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