Pay someone new

How to pay someone for the first time online.

Tips to remember

  • Your account has daily limits. You can see these when you make a payment - just use the 'payments limits' link.
  • Write the account name exactly as it's shown 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’re paying.
  • If you're paying a utility bill you may need to add a reference from your provider.

To pay someone new

  • 1. Choose ‘Payments & transfers'

    Select '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 select '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

    Select ‘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 select 'continue'. The amount you can send is subject to daily payment limits.

    7. Check all is correct

    Check the details are correct, then select ‘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. All done

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

    Log in to make a payment

1. Choose ‘Pay & transfer'

Select ‘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'

Select 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

Select ‘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 select 'continue'.  The amount you can send is subject to daily payment limits.

7. Check all is correct

Check the details are correct, then select 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. All done

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

Don’t have the app? Download it today.

Android devices

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

Google Play logo

Apple devices 

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

App store 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

Frequently asked questions

  		•

    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.

  • 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.

  • 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

View more payment FAQs

Log in to make a payment

More payments help

You can make many types of payment on your phone or in your internet browser.

Mobile Banking: 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. You must be registered for Internet Banking. Terms and conditions apply.

Mobile Banking app: Our Mobile Banking app is available to Internet Banking customers with a UK personal account and valid registered phone number. 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. Our app does not work on jailbroken or rooted devices. Device registration required.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google LLC. Terms and conditions apply.