Bank account FAQs

Find answers to some of the common questions about banking with us.

Everyday banking

Account management

  • Learn how to change your personal details. 

    • Two people using one account - A simple way to share spends and see them on one monthly statement.
    • Both account holders get a Visa debit card.
    • Both account holders can also separately set up and manage online banking.

    Open a joint account or add another person to an existing account

    • Visit us in branch and our staff will be happy to help. In busier periods when staff may not be immediately available, we’ll be happy to book an appointment for a later date. Or, make an appointment at your local branch.
    • Don’t forget to take identification and if the second person is not an existing Bank of Scotland customer they will need to give us identification - view acceptable forms of identification.

    Looking to switch your joint account to us?

    • Make sure you add the other account holder to your new account before completing your switch.

    Be aware of the following:

    • Both account holders must be aged 18 or over.
    • Student Current Account and Under 19s accounts cannot be made into joint accounts.
    • Both people named on the account are individually and jointly responsible for any debts on the joint account.
    • Credit reference agencies often create a financial link or association between people who have a joint account. Meaning that the financial situation of the other person on the account could affect your credit rating.
    • Both people named can use the account benefits and features without needing the approval of the other.

    Remove someone from a joint account

    A request to remove someone from your bank account can be made in branch and will only be accepted where the account is in credit.

  • You can withdraw up to £800 a day from any cash machine. You can also make cash withdrawals over the counter in any Bank of Scotland branch. When making large withdrawals, you will need to prove your identity.

  • Learn how to order a replacement card in our app and on Internet Banking.

  • Need a replacement cheque book? You’ll need to call us.

  • When you bank, shop or pay a bill, this information can form a picture of your spending and shopping habits. midata gives greater access to your personal data and the ability to use it, as it can be helpful when choosing suitable products and services.

    A midata file shows your previous 12 months of spending and banking history, without any information like your name, address or date of birth.

    To download a midata file, simply log in to online banking and select the ‘More actions’ button under your bank account. You can find midata under the ‘Account services’ menu.

  • 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.

    Arranged overdraft

    To help you minimise charges we’ll let you know by text when:

    • you're about to use or you've started using your arranged overdraft
    • we’ve started to charge you for using an arranged overdraft.
    • to stop these alerts, text STOPA to 64447 or to opt back in, text STARTA to the same number.

    Unarranged overdraft

    To help you manage your balance we’ll let you know by text when:

    • you need to pay money into the account to cover a standing order
    • we refuse a payment
    • you’re about to use or have started using an unarranged overdraft.

    Find out more about Text alerts

Security and help

Getting started online

 

Mobile banking app

  • Join our 1 million app users
  • Simple and secure login.
  • Set up handy notifications.

  

  

Online banking

Log in to view or manage your accounts on our website.

Log in

Register

Mobile banking app

  • Join our 1 million app users
  • Simple and secure log in.
  • Set up handy notifications.
Download app

Online banking

Log in to view or manage your accounts on our website.

Log in

Register

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Message us online

Get answers to your everyday banking questions. Log in to our app or online banking to get in touch.

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Everyday banking online

Manage your profile, money or cards from your sofa with our app or Internet Banking.
 

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Open Banking

Find out how to see your accounts with different banks in our Mobile Banking app.
 

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Bank account support

We're here to help you get the most out of your bank account.

Find the help you need

Bank account support

We're here to help you get the most out of your bank account.

Find the help you need