Everyday Offers frequently asked questions

Everyday Offers lets you earn up to 15% cashback on offers which you can activate in your Internet and Mobile Banking. Better still, you can activate It's On Us which will enter you into a monthly free draw where you could win back the value of something you have recently bought using your Bank of Scotland branded debit or credit card up to the value of £500. Merchant offers and cashback amounts vary. Terms and conditions apply.

Terms and conditions for Everyday Offers and It's On Us are covered by the Internet Banking agreement.

Receiving cashback

1. When will cashback be paid into my account?

Cashback earned using a debit or credit card

Cashback will automatically be paid into your account on or before the last working day of the month following your redeeming transaction. For example, if you used your offer in January, your cashback should be paid into your account at the end of February.

Cashback earned for a Direct Debit offer

Cashback will be paid into your current account on or before the last working day of the month after your second Direct Debit payment.

Please note:

If you cancel your new service(s) before your second Direct Debit payment is collected you will not receive any cashback.

The time it takes for a retailer to set up your Direct Debit may affect the date we pay your cashback.

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2. Which of my accounts will my cashback be paid into?

If you have more than one Bank of Scotland account, we’ll pay your cashback into the oldest account. Alternatively, you can select a different Bank of Scotland current account for us to pay your cashback into using your Everyday Offers settings.

You need to remain registered for Everyday Offers to receive your cashback.

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3. I have a joint account. Can I still use Everyday Offers?

If both joint account holders want to use Everyday Offers, they should register for Internet Banking and for Everyday Offers individually. Each account holder will then receive their own offers based on their individual spending patterns.

For Direct Debit offers, if both parties receive and activate the same offer but only one party sets up the relevant subscription service to redeem the offer, the first party to activate the offer will receive the cashback into their nominated account, which may be the joint account or an alternative account.

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4. How can I keep track of how much cashback I’ve earnt?

You can keep track of the cashback you’ve earnt from your offers at the top of your Everyday Offers page. It may take up to 5 working days before your cashback shows as pending.

You can also see how much cashback you have been paid and how much you have earnt over the last 3 months, with a breakdown of the qualifying transactions.

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5. Can I change the Bank of Scotland account I want my cashback paid into?

If you have more than one Bank of Scotland current account, you can select which account you want your cashback paid into by visiting your Everyday Offers hub.

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6. Can I earn cashback using my Bank of Scotland credit card?

You can earn cashback using your credit card as long as you hold an eligible Bank of Scotland current account and meet the usual criteria to register for Everyday Offers.

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7. Can additional card holders generate cashback using my credit card?

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 current account.

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8. What if more than one of my Bank of Scotland personal debit or credit cards is linked to Everyday Offers?

Everyday Offers works with all of your Bank of Scotland personal debit or credit cards. All your cards help to generate offers based on the places you shop (excluding transactions on Basic Accounts). Use any of your cards to claim your cashback.

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9. Is it easy to leave Everyday Offers?

Yes, you can switch Everyday Offers off (or on) in ‘Settings’ at any time. Please remember, if you switch off Everyday Offers you will lose any unpaid cashback that’s due to be paid into your account.

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About Everyday Offers

1. What are Everyday Offers?

Everyday Offers are offers that give you cashback when you shop with your selected retailers using a Bank of Scotland debit or credit card or set up a Direct Debit.

The service is free and is available to Lloyds personal current account customers over the age of 18.

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2. Am I eligible for Everyday Offers?

To register for Everyday Offers you need a Bank of Scotland current account with a valid debit or credit card. You must also be over 18 and registered for Bank of Scotland Internet Banking. Terms and conditions apply.

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3. How do you select the offers I receive?

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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4. How do I register for Everyday Offers?

On desktop or using your tablet or mobile browser: Log on to Internet Banking and select ‘Get free add-ons’, then ‘Find out more’.

With your Mobile Banking app: Log on to the app and ‘Register for Everyday Offers’ from the menu.

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5. Why can’t I see any offers?

If you’re a new customer, we may not have any transactions for you yet. Many of our offers are based on the types of places customers shop, so once you start spending on your debit and credit cards, offers will be generated for you and will appear in ’Available Offers’.

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6. How do I earn cashback using an offer?

Debit or credit card offers

Go to Everyday Offers and activate offers you want to use, then pay using your Bank of Scotland debit or credit card when you next shop with your chosen retailers.

Direct Debit offers

You will see any Direct Debit offers alongside your other offers on your Everyday Offers homepage.

To redeem these offers:

  1. Select an offer to activate it or find out further details
  2. Sign up for services as stated in the offer’s conditions.

Important Information

Subscription services that require a Direct Debit will usually ask you to enter into a contract with the service provider. Typically these have a minimum term of between 12 and 24 months. You must consider whether you are able to commit to a regular payment for this length of time.

If you cancel, change or switch your subscription before the end of the minimum term you may be charged early termination or other fees by the service provider.

If you are signing up to a new service provider you must find out from your current supplier whether early termination fees will apply. You must take this into account when deciding whether to sign up to a new service.

You should contact your service provider(s) directly for details of their specific policies.

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7. Are there any exclusions or exceptions to where I can use the offer I have activated?

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 offer you have activated and reading the offer terms.

8. Is there a limit on the number of times I can use an offer that I have activated?

Some offers are only available to use once. If you want to check how many times you can use an offer you have activated, select it to read its terms and conditions.

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Problems receiving cashback

1. I have not received the cashback I was expecting. How can I check if this is correct?

You can make the following checks to ensure you have received the correct cashback:

Did you activate the offer?

You need to activate your offer in Internet Banking by selecting the ‘Activate’ button next to it, before shopping with your chosen retailer, to get cashback.

Have you waited 5 working days for the cashback to appear as pending in the ‘Cashback Summary’ page?

After you have redeemed an offer, it can take up to 5 working days before the cashback due appears as pending.

Did you redeem the offer before it expired?

If you made your transaction after the offer expired you won’t be eligible for the cashback. You can check your offer expiry dates using the Expired Offers link in Everyday Offers.

Were there any offer exclusions that may have resulted in you not receiving the cashback?

Some offers have exclusions you need to check before you use them. For example, some are only available online and exclude transactions made in stores. You can check for any offer exclusions by selecting the offer to see its terms.

If your redeeming transaction was made from a joint account, did you use the right card?

If you select an offer using a joint account, you must use the card belonging to the person that activated the offer online to redeem it. Find out more about using joint accounts for Everyday Offers.

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2. I still have questions about Everyday Offers. Can I contact you?

If you still have questions about the service that have not been answered by the FAQs, then call the Everyday Offers Helpdesk on 0345 606 6405.

If you're calling from outside the UK or prefer not to use our 0345 number call +44 141 248 4868. If you have a hearing impairment, please use textphone 0345 300 2280 or +44 173 3347 515.

Lines are open Mon to Fri 8am - 8pm, Sat and Sun 9am - 3pm.

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3. Are there specific terms and conditions for each offer I activate?

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 Everyday Offers can be found in the Internet Banking agreement, and details of how we use your information are contained in our Privacy Policy.

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4. Can offers be withdrawn or changed?

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.

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1. What happens to the information you collect about me?

So that we are able to 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 have shopped at in the past, or the area you live in. Unless we have your express permission to do so, Everyday Offers will not use your mobile phone location data.

For full information on how the bank uses information about you, please see our Privacy Policy and check your marketing preferences in Internet Banking.

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2. Will you share my data with anyone if I join Everyday Offers?

Privacy Policy We will not share your personal information with any retailers or merchants. However, to provide you with Everyday Offers we do share data with certain trusted third parties under strict controls and conditions. This allows us to identify and provide you with your tailored offers. Your information is always secure and only used in accordance with our Pivacy Policy.

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It's On Us

1. What is It’s On Us?

It’s On Us is our way of saying thank you for banking with us. Every week we randomly select 1,000 eligible debit and credit card transactions of up to £500 to pay customers back for something they have bought.

Direct Debit transactions are not currently included in the It’s On Us prize draw.

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2. How do I activate It’s On Us?

To activate It’s On Us, make sure you are registered for Everyday Offers, then select ‘It’s On Us’ in the ‘Your Offers’ tab to activate it. Terms and conditions apply.

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3. How will I know if I have won an It’s On Us payment?

If any of your transactions are selected, we’ll usually notify you within 3–14 days of the day you made the relevant transaction.

We will contact you through your account Inbox or by email.

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4. How will I receive my It’s On Us payment if I win?

We will make the payment straight into your current account on or before the last working day of the following month following the qualifying transaction. If the transaction that was selected was for less than £5, we will round it up to £5.

If you have not nominated an account to receive the cashback into we will pay it into your oldest Bank of Scotland personal current account.

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5. What happens to It’s On Us if I switch off Everyday Offers?

If you switch off Everyday Offers you’ll no longer be eligible for any offers, including It’s On Us. This means you won’t have the chance to win the value of one of your purchases on us.

You will also lose any cashback that hasn’t already been paid into your account so it’s best to wait until we pay the cashback into your account before switching off Everyday Offers.

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