Your Credit Score
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
Everyday banking
Online services & more
Everyday banking
Everyday banking
Mobile Banking app
Profile & settings
Card & PIN services
Payments & transfers
Statements & transactions
Help & security
We're here for you
Help & security
Help & security
Money management
Life events
Difficult times
Bank accounts
Accounts & services
Bank accounts
Bank accounts
Travel services
Features & support
Already bank with us?
Borrowing
Cards, loans & car finance
Borrowing
Borrowing
Features & support
Already borrowing with us?
Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
Mortgages
Accounts & calculators
Mortgages
Mortgages
Mortgage calculators & tools
Features & support
Already with us?
Existing Halifax mortgage customers
Existing Bank of Scotland mortgage
Worried about paying your mortgage? We have various ways that we can help you.
Savings
Accounts & ISAs
Savings
Savings accounts
Savings
Features & support
Already saving with us?
Existing customers
Investing
Pensions & investments
Investing
Investing
ETF Quicklist
Investing
Pensions and retirement
Investing
Wealth management
Guides and support
Already investing with us?
Start your investment journey with free regular investing and our ETF Quicklist.
Insurance
Home, life & car
Insurance
View all insurance products
Insurance
Insurance
Other insurance
Already insured with us?
Support for existing customers
You can’t predict the future, but you can protect the people you love.
If you do not have enough funds at the beginning of a day to make a payment:
The money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Internet Banking or Telephone Banking or pay in cash over the counter in branch.
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.
Manage your accounts and keep an eye on your balances with mobile alerts.
If we hold an up-to-date mobile number for you, we will send you alerts to help you keep track of your balance and let you know if you are nearing your overdraft limit.
Click the ‘Apply now’ button to sign into 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’.
If you already have an arranged overdraft you can apply to increase, decrease or remove your arranged overdraft from your Internet bank account.
Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.
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 under registration number 169628.