A simpler way to make payments

With Mobile and Internet Banking you can:

  • Make up to a total of £25,000 in payments every day. If you want to send more, just visit any UK branch
  • Manage your Direct Debits and Standing Orders
  • Send money safely and instantly

Payments to Ukraine

We'll refund our £9.50 fee where charged for payments sent to Ukraine. Please allow a few days for this to be paid back into your account.

Send money outside the UK

Payments FAQ

  • When you pay online, you can choose how you pay. A Faster Payment usually sends money right away, but it can take up to two hours. Standing Orders let you set up a repeat payment. Direct Debits let a person or company request money from your account.

    When you pay a UK account online, we’ll use the Faster Payments Service. There is a daily limit of £25,000. Faster Payments can be made 24 hours a day, 7 days a week and sent immediately or set up for the future.

    If you want to send more, visit us at any UK branch with valid identification and staff can help you send up to £250,000* using the Faster Payment Service. If you need to send more that £250,000* on the same day, you can through CHAPS (CHAPS costs £25 per payment). Or, you can write a cheque to make a payment.

    You can also transfer money between your Bank of Scotland accounts instantly, Pay a Contactpay in a cheque using the app and buy Travel Money online.

    Sending money abroad? Find out all about sending money outside of the UK or in a foreign currency.

    * Temporary Increase during Covid-19 

  • Faster Payments usually arrive within 2 hours, but can take until the end of the next working day. Direct Debits and Standing Orders will be collected shortly after midnight on the due date.

    How much can I send?

    Faster Payments

    Online: up to £25,000 per day
    In branch: up to £250,000 per day with
    valid identification
    Telephone: up to £10,000 per day


    At an ATM: up to £500 per day
    In branch: no limits, but please order in advance for large amounts.

    If you need to move money, it's safer to do it by Faster Payment or CHAPS.


    Online: no limits
    In branch: no limits

    Standing Orders

    Online: up to £25,000 per day
    In branch: up to £100,000 per day

    *Updates and new Standing Orders included


    In branch: no limits. £25 fee.

    Pay a Contact

    In app: up to £300 per day

    Debit card

    Everywhere: up to £60,000 per day


    Per transaction: £100
    Total: £150 per day

    Apple Pay

    £250 per day

    Google Play

    £100 per day

    We will always have lower limits when you call us.

  • With Faster Payments you can send up to £25,000* online, £250,000^ in branch or £10,000 by calling us every day. Your limit resets at 11:59pm each day.

    *If you have an Under 19’s, Websaver, Express Cash or Private Bank account your limits may vary to the above.

    ^During Covid-19 Branch limit is temporarily increased to £250,000

    Your payment limit amount includes bill payments, payments to individuals and new Standing Orders or any increases to existing Standing Orders and existing future payments. Any Payments you set up today for a future date are counted towards today’s daily limit. So if you set up a standing order for next week, it will count towards today's limit.

  • Direct Debits let a company take money from your account, for example to pay a gas bill.

    Standing Orders let you send a set amount of money on a regular basis, for example to a savings account.

    Standing Orders

    You can set up standing orders easily through Internet Banking.

    How to set up a standing order using the mobile banking app

    How to set up a standing order using a desktop computer

    Step 1: Get started

    To get started select ‘Payments & transfers’ on the account you want to move money from.

    Step 2: Choose when to pay

    Once you have selected who you are sending money to, use the ‘Repeat Payment (make this a standing order)’ button and select when and for how long you would like to make the payment for.

    Step 3: Check and Set Up

    It’s easy to check everything’s correct before confirming the payment.

    When you see ‘Success’ you know your payment has been sent and the standing order has been set up.

    You will be able to view, add, change or delete any of your standing orders whenever you want through Manage transactions in your internet banking.

    If you need some help with setting up standing orders, just call us on 0345 721 3141.


    Direct Debits

    With a Direct Debit, you give a company permission to take money from your account. You might use one to pay bills. Lots of companies offer  benefits for paying by Direct Debit.

    If you’re cancelling a Direct Debit before making a final payment, you should also always tell the company you’re paying.


    If you’ve been financially affected by coronavirus and are struggling to meet your monthly Direct Debit payments for any Bank of Scotland product, please get in touch with us.

    Please do not cancel your Bank of Scotland product Direct Debit without speaking to us first, as missing a monthly payment could harm your credit score in future.

    You’ll find more information on our Coronavirus help & support page

    You can see and cancel your Direct Debits online. To set up a new Direct Debit, you’ll need to contact the company you want to pay. Your Direct Debits are covered by the Direct Debit Guarantee.

    Important information about Standing Orders and Future Dated Payments

    This information applies to the following payment types; Standing Orders, Direct Debits, Cheques and Future Dated Payments.

    We make payments from your account shortly after midnight at the start of the due date. If your payment date falls on a non-working day, then we will try to collect your payment the next working day.

    If you don’t have enough funds in your account at this point to make a payment, we will try to make a payment again after 2.30pm the same day. This gives you the chance to put extra funds into your account so that we can make the payment. The money needs to be available to use straight away, so you could transfer money from another personal account you have with us via Internet, Mobile or Telephone Banking or pay in cash over the counter in branch.

    If you do not have enough funds at the beginning of a day to make a payment: You have until 2.30pm to pay money into your account to make the payment that day. If a payment takes you overdrawn, you have until midnight to pay money into your account to avoid a daily overdraft fee for that day.

    For Standing Orders and Future Dated Payments only

    If there are still not enough available funds, we will make a final try on the next working day before rejecting the payment. Details of our fees and charges can be found in the Banking Charges guide.


Confirmation of Payee

We've introduced Confirmation of Payee (CoP), a new account name checking service to help you make payments with confidence. The CoP service is being launched across the banking industry as an extra way to help tackle fraud and keep customers’ money safe.

Find out how to pay someone new

Mobile payments

Install Apple Pay and use your mobile device to pay with your debit or credit card.

Find out more about Apple Pay

Install Google Pay on your Android device and use it to pay with your debit or credit card.

Find out more about Google Pay

Ways to pay

Send money to a friend using just their UK mobile number with Pay a Contact.

Find out more about Paying a Contact

Pay for items worth up to £100 more quickly with a contactless debit or credit card.

Find out more about contactless debit cards

Find out more about contactless credit cards

Money abroad

Send money outside the UK or in a foreign currency.

Find out more about our payment service

Use your debit or credit card abroad with confidence, just as you would at home.

Find out more about using your debit or credit card abroad

Make payments with confidence

At Bank of Scotland we know you want to use Internet Banking without worrying about security. We take your online security seriously and use state of the art anti-fraud systems to spot unusual activity. We also give you peace of mind with our Online Fraud Guarantee.

Find out more about how we protect you

Log in to make a payment

Further help

If you can’t find the help you need or are still having issues with Internet Banking, visit our help and guidance pages.

Help and guidance

Your step-by-step guides

Faster Payments

How to make a faster payment?

Pay someone you’ve paid before

Pay someone new

Subscription payments

How do I manage subscription payments?

View and manage your payments in the mobile app

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.

Apple Pay

Device and Card restrictions apply. Apple Pay is available on iPhone 6 and above, Apple Watch and iPads with Touch ID. Card restrictions include International accounts, non-personal accounts, Visa credit cards , Electron cards, additional credit card holders and customers under 13 years of age.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the US and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

Google Pay

Card and account type restrictions include:

American Express credit cards, Electron Cards, Visa credit cards, additional credit cardholders, foreign currency accounts, non-personal accounts, Basic Accounts and customers under 13 years. 

Android, Google Pay and the Google pay and Google Play logos are trademarks of Google inc.

Mobile Banking app

Available to Internet Banking customers with a UK personal account and valid registered phone number. Our app is available on devices running iOS or Android. (the app is not compatible with some older versions of the operating systems – check the App Store or Google Play for more details). Our app does not work on jailbroken or rooted devices. Device registration required. Terms and conditions apply. Mobile Banking services may be affected by phone signal.

Your rights when making payments in Europe (PDF, 333kb - opens in a new window)