Tools to help you manage your money

Mobile alerts

Our Mobile Alerts are a simple way to stay on top of your finances without having to think about it

  • Check we have your latest number through Internet Banking or ask in branch or call us.
  • You can stop mobile alerts at anytime - text STOP to 65558 - but you could miss out on updates about your account if you do.

We'll send the following mobile alerts to help you stay on top of your money

What the alert is about

When we send it

What it says

You balance is close to zero

The first day your balance is close to zero.

You are close to using your overdraft. This is to let you know if you do use it, daily arranged overdraft fees may apply.

You are close to reaching your balance limit

The first day your balance is close to your arranged overdraft limit.

Your overnight balance was £X. As this is near your limit, please ensure you have enough money in your account to cover any payments.

You're at or over your arranged overdraft limit

The first day your account reaches zero or your arranged overdraft limit.

As you are on or over your limit please pay money in by 14.30 to cover any payments you may need to make today.

Your standing order wasn't paid, so we'll try again tomorrow

The first day a standing order payment is refused.

Your overnight balance of £X wasn't enough to make all payments requested. We'll try again so please pay in by 14.30 if you haven't already.

Daily arranged overdraft charges

After your first daily arranged overdraft charge is applied

You have been charged for using your overdraft. You can pay money in today to avoid any further daily fees.

You balance is close to zero

When we send it

The first day your balance is close to zero.

What it says

You are close to using your overdraft. This is to let you know if you do use it, daily arranged overdraft fees may apply.

You are close to reaching your balance limit

When we send it

The first day your balance is close to your arranged overdraft limit.

What it says

Your overnight balance was £X. As this is near your limit, please ensure you have enough money in your account to cover any payments.

You're at or over your arranged overdraft limit

When we send it

The first day your account reaches zero or your arranged overdraft limit.

What it says

As you are on or over your limit please pay money in by 14.30 to cover any payments you may need to make today.

Your standing order wasn't paid, so we'll try again tomorrow

When we send it

The first day a standing order payment is refused.

What it says

Your overnight balance of £X wasn't enough to make all payments requested. We'll try again so please pay in by 14.30 if you haven't already.

Daily arranged overdraft charges

When we send it

After your first daily arranged overdraft charge is applied

What it says

You have been charged for using your overdraft. You can pay money in today to avoid any further daily fees.

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 won’t charge you for this service, but if you receive texts while abroad, your network service provider may charge you.

Manage your account 24/7 with Internet Banking

It’s easy to register

Go to bankofscotland.com and click ‘Register’. If you don’t have internet access ask in branch and we’ll help you register.

Choose to go Paperless

Once you’re using Internet Banking you can get your statements and correspondence to your digital inbox.

Sign in and:

  • Select ‘your profile’ once you’re signed in
  • Choose ‘turn on paperless statements'
  • Tick the ‘online statements’ and ‘online correspondence’ boxes
  • Confirm your preferences.

 

Download the app

For even easier access to your account wherever you are, use our mobile banking app on your phone or tablet.

  • Download the app from the Apple App Store or Google Play
  • Register your device – there’s a quick video that shows you how on our website.

Use the app to pay-in Cheques

Pay in most cheques up to £500 quickly and easily using the ‘Deposit Cheque’ feature.

  • Sign in to the app and follow the steps
  • The app takes a photo of the front and the back of the cheque and ‘reads’ the details
  • Money will be available by the end of the next working day.

Independent advice

Here are some services that may be able to give you help and advice if you find yourself in financial difficulty.

Citizens Advice Bureau
03444 111 444
www.citizensadvice.org.uk

StepChange
0800 138 1111
www.stepchange.org

National Debtline
0808 808 4000
www.nationaldebtline.org

How to protect yourself online

Stay safe online

We use the latest security measures and our Online and Mobile Fraud Guarantee gives you a full refund as long as you take simple steps to protect yourself.

Stay safe, stay protected online:

  • Use passwords which aren’t easy to guess
  • Never share your password with anyone else
  • Install anti-virus software to protect your devices and keep them up to date.

Be vigilant about fraud

If you receive instructions about a change in bank details from companies you make regular payments to, you should contact them on a number you normally use to check these are genuine.

  • Don’t assume letters, phone calls, emails and text messages are genuine even if the person knows information about you
  • Don’t feel pressured into making a decision or acting quickly
  • A genuine bank won’t mind waiting if you want time to think.
Image of a Calculator

Overdraft fee calculator

Work out what your new overdraft fees could be with our overdraft fee calculator

Manage your arranged overdraft now

With our mobile app or online you can:

- Transfer money in to keep daily fees down
- Reduce your limit or cancel your arranged overdraft
- Apply for a new arranged overdraft or an increased limit
- Get an instant decision online.

You can also manage your arranged overdraft over the phone or in branch.

We will assess your situation before we offer you an arranged overdraft. We may decide not to do so. Arranged overdrafts are repayable on demand. This means we can ask you to pay some or all of it back at any time. You must be aged 18 or over to apply.

Log in to Internet Banking, then select ‘Overdrafts’ from the left hand ‘Our products and services’ panel, or alternatively from your bank account, select ‘More actions’ and then ‘Overdraft’.

Log in to Internet Banking