Pay someone new

Whether it’s someone you have paid before or someone new, we make it easy to pay securely online.

You can make a payment from your account using our app or by Internet Banking. Your account has daily limits which you can view via the 'payments limits link' when you make a payment. 

Here are a few tips to remember when paying someone for the first time:

  • The account name should be written exactly as it appears on their bank account statement or your bill if you’re paying a company.
  • Always check the sort code and account number of the person or company you are paying.
  • If paying a utility bill you may need to add the reference from the provider.

Find out how to pay someone you have paid before

  • How to pay someone new using Internet Banking

    Step by step guide to paying someone for the first time through an internet browser on a computer, mobile or tablet.

    1. Choose ‘Payments & transfers'

    Click on 'payments and transfers' next to the relevant account.

    2. Select your account

    If you have more than one account, select the account you wish to make the payment from.

    3. Choose ‘Pay someone new'

    In the ‘To’ section click 'Pay someone new'.

    4. Type in details

    Enter the name of the person or company you want to pay, along with their account number and sort code. 

    5. Details checked

    Click ‘Continue’ and the details will be checked and verified using the Confirmation of Payee service.

    6. Key in amount

    Enter the amount, reference and date for the payment, then click 'continue'. The amount you can send is subject to daily payment limits.

    7. Check all is correct

    Check the details are correct, then click ‘Make A Payment’.

    At times you will be asked for more information about the payment.

    8. Secure the payment

    We will need to call you.

    Select which number to call. When asked enter the 4 digit number on screen into your telephone.

    9. Success!

    You will be notified that that payment has been successfully made. You can now pay them again anytime.

    Log in to make a payment

How to pay someone new using our app

Step by step guide to paying someone for the first time through our Mobile Banking app via a mobile or tablet.

1. Choose ‘Pay & transfer'

Tap ‘Pay & transfer’ at the bottom of the app.

2. Select your account

If you have more than one account, select the account you wish to make the payment from.

3. Choose ‘Pay someone new'

Tap the 'To' box. Select 'Pay someone new' from the top of the screen, then select ‘Pay a person or company’.

4. Type in details

Enter the name of the person or company you want to pay, along with their account number and sort code.

5. Details checked

Tap ‘Continue’ and the details will be checked and verified using the Confirmation of Payee service.

6. Key in amount

Enter the amount, reference and date for the payment, then tap 'continue'.  The amount you can send is subject to daily payment limits.

7. Check all is correct

Check the details are correct, then tap confirm.

At times you will be asked for more information about the payment.

8. Secure the payment

Enter your password to confirm. If your phone is set up with fingerprint or Face ID you can use this instead.

9. Success!

You’ve made the payment and can pay them again anytime.

If you don’t have our app and, you have an iPhone or iPad, you can download it from the App Store.

App store logo

If you don’t have our app and, you have an Android mobile phone or tablet, you can download it from the Play Store.

Google Play logo

Bank of Scotland will never ask you to:

  • Move money to a so-called secure, safe or holding account.
  • Move your money or ask you to transfer funds to a new sort code and account number.

Find out how to keep your money safe

Payment FAQs

  • Confirmation of Payee (CoP), is an account name checking service to help you make sure your payment goes to the right place.

    These checks are designed to help stop payments going to the wrong account by spotting possible mistakes and adding extra security steps to prevent fraud.

    How CoP helps you make payments with confidence

    The CoP service has been introduced across the banking industry as an extra way to help tackle fraud and keep customers’ money safe.

    The service helps make sure payments go to the right account by checking the name and account details all match before a payment is sent. This reduces the risk of making a mistake and paying the wrong person, and can help to avoid payment scams.

    Find out more about CoP

  • You need to be careful when you make a payment online. Fraudsters can pretend to be someone you trust or offer things like fake goods to try and scam you.

    We’ll do as much as we can to protect you and reduce scams while you make genuine payments.

    To stay safe online, we have a code of conduct that can help to avoid payment scams.

    This code will help to protect you from scams and give you the chance of a fraud refund.

    When asking what your payment is for we can use our advanced systems to help us to fight fraud. We can use them to warn you about a scam before you make a payment and when you set up a new payee and/or amend an existing payee.

    If you get a warning, make sure you take suitable action to protect your payment. We may not refund your money if you ignore a warning and fail to act.

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    Faster payments

    Online: up to £25,000 per day
    In branch: up to £250,000 per day with proof of identity.
    Telephone: up to £10,000 per day

    Transfers

    Online: no limits
    In branch: no limits

    We will always have lower limits when you call us.

    Your daily account limit can be viewed while you make a payment, by clicking on the payment limits link next to the amount box.

Log in to make a payment

View more payment FAQs

How to pay an existing payee

Please note: To use our Mobile Banking app you need to have a valid phone number registered to your account and be set up to manage your accounts using Internet Banking. Our app is available to iPhone and Android users only and minimum operating systems apply, so check the App Store or Google Play for details. Device registration required.

The app doesn’t work on jailbroken or rooted devices. We don’t charge you for Mobile Banking, but your mobile operator may charge for some services, please check with them. Services may be affected by phone signal and functionality. Terms and conditions apply

Android/Google Play is a trademark of Google LLC. Apple, the Apple logo, Touch ID and Face ID are trademarks of Apple Inc, registered in the U.S. and other countries. App Store is a service mark of Apple Inc.