Mobile alerts

It’s important to monitor your account regularly to make sure you have enough funds to make any payments due. Our mobile alerts service offers a simple way to stay on top of your finances without even having to think about it.

So if we have a mobile number for you, we’ll let you know when:

  • You’ve started using your overdraft and are being charged. You will only receive this message once when you are first charged for using your overdraft. You have until midnight to pay in enough to avoid future daily overdraft fees. The money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Mobile, Internet or Telephone Banking or pay in cash over the counter in branch.
  • You’re nearing your limit. We’ll send a message when your balance falls below £50. If you have a planned overdraft, we’ll also send an alert when you’re within £50 of your planned limit.
  • You don’t have enough to pay a standing order. If you’re able to move your money from other accounts, you will have until 2.30pm (UK time) to pay in cleared funds in order to make any payments.
  • You’ve reached your limit. You will only receive this message once when you first reach your limit and have zero available funds.

You can receive alerts abroad, but please check with your service provider for any charges you may incur.

You can check if we have a valid number for you - or set one up - through Internet Banking, in a branch, or by calling us on 0345 721 3141. If you don’t want to receive alerts you can text STOP to 65558 to opt-out.

If you opt-out you may miss important messages about your account so make sure you keep track of your balance and regularly check your statements through mobile banking, internet banking or phone banking.

Important legal information

Mobile Banking services may be affected by phone signal and functionality. UK personal Internet Banking customers only. We do not charge for Mobile Banking but your mobile operator may charge for some services. Visit mobile banking for more information.

Mobile alerts are sent throughout the day, 7 days a week including Bank Holidays. This is a free service for all eligible current account customers.

We may monitor and record calls.

Bank of Scotland plc, Registered in Scotland No. SC327000, Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.