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Banking with us
Our branches
If you do need to visit us in branch, please check your local branch opening hours before you visit.
Can we save you a trip? There are lots of ways to stay on top of your money that don’t involve going to a branch:
- On our app or using Internet Banking – to stay on top of payments, you can manage direct debits and standing orders, pay a bill or person and even pay in a cheque on our app (up to £5,000 per cheque and £5,000 in total per day).
- Check your balance – you can check your balance online, by phoning telephone banking and using our automated service or at an ATM.
- Planning a move? To keep your moving plans moving, you can calculate your borrowing online, as well as speak to a Mortgage Adviser over video or phone.
- Need to manage your overdraft? Visit our overdraft hub.
- Applying for a loan? More information on loans.
- Need a home insurance quote? Visit our home insurance hub.
You can also do your everyday banking at your local Post Office. You can check your balance, make withdrawals and pay cash or cheques into your current account at Post Office counters. Make sure you check their website for up-to-date information about opening hours.
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Ways to make payments
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Payments and transfers
Payments are quick and secure in our Mobile Banking app and Internet Banking.
How it helps
- Pay someone new or existing
- Manage Direct Debits and standing orders
- Transfer money between your own accounts
- Pay a bill to a company
- Pay in a cheque (app only)
- Manage subscription payments (app only)
- Share your bank details (app only)
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Sending money outside the UK
Simple and secure way to send money outside the UK or in a foreign currency.
How it helps
- Send euro payments without our fee. Send euro currency (EUR) without our fee worldwide.
- Straightforward currency calculator. Choose your preferred currency and the amount you’d like to send in pounds or in the foreign currency.
- Repeat payments are easy. Your recipient details are saved so it’s easier to make regular payments.
- It’s fast and secure. Our online service has been updated and now offers a quick and easy process.
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Contactless payments
Make small payments without using your PIN.
How it helps
Contactless cards are designed to make your life that little bit easier. You can make payments of up to £100 without using your PIN, wherever you see the contactless symbol. All you need is your bank card with the same symbol, and you can just tap to pay. It's useful if you make small purchases, or are sometimes unsure of your PIN. Many shops, restaurants, and businesses have contactless reader devices which make transactions faster and smoother. You'll still need to use your PIN for payments over £100 and where contactless is not available.Next steps
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Mobile payments
Available on compatible iOS and Android mobile devices.
How it helps
Make contactless payments with your Bank of Scotland debit or credit card using just your mobile. With Apple Pay® and Google Pay you can buy things for up to £100 in shops, or make in-app purchases. It's simple, safe and secure - and means you don't always need your card or PIN with you. Card and device restrictions may apply, so be sure to find out more.
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Pay a contact
Send or receive money with just a mobile number, instead of account details.
How it helps
Pay a Contact is the simple and safe way to pay friends or family – without needing cash or account details. You can pay people with our mobile app. It's a fuss-free way to split a restaurant bill, or get paid back something you’re owed. And it means you don't need to get your cash out or share bank details.
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Banking near you
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Branches
How it helps
As one of our customers, you’ll be welcome in any of our branches throughout Scotland. We’ll be glad to provide a friendly, considerate service to help with all your day-to-day banking. And you’ll find Cashpoint® machines at our branches, which are useful you’re in a hurry.
Want to know if we can help make your money work harder for you? Then book a free 45-minute personal review with us at your local branch.
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The Post Office
Pop to the Post Office if it’s nearer or easier than one of our branches.
How it helps
Did you know you can do your everyday banking at your local Post Office? That might be good if it saves you a trip into town, or has better access for getting in and out. At the Post Office you can:
- Check your balance
- Pay cash or cheques into your current account
- Get cash out at the counter or cash machine.
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Cashpoint® machine
How it helps
You'll find Cashpoint® machines outside most of our branches. You can use them any time of day or night for:
- Getting cash
- Checking your balance
- Printing a mini statement
- Changing your PIN
The keypads and screens on our machines are clear and easy to use. For instance, there are raised dots on the number 5 on the keypad. This means you can feel where the numbers are if you're blind or partially sighted, or covering your hand to keep your PIN safe and private.
We’re also replacing older machines with Talking ATMs, where you can plug in standard headphones. This means you can listen to instructions in private to help you with your banking.
When you use a Cashpoint machine, here are some tips to help you keep your details safe and private:
- Always shield your hand when putting in your PIN so that no-one can see which numbers you press
- Try not to be distracted by others around or behind you
- If you notice anyone acting suspiciously please do not use the machine. Move away and contact your nearest branch or the police.
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Getting in touch with us
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Message us in our app
How it helps
Our virtual assistant can answer more than 240 everyday banking questions.
And if it can’t help, it will put you through to a helpful human who can.
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SignVideo (BSL)
Talk to us through a British Sign Language interpreter with video chat.
How it helps
If you’re Deaf and a BSL user, you can talk to us live through a BSL interpreter online. You'll find our SignVideo service on our website and can use if from your PC, tablet or mobile phone (Network charges may apply).
With SignVideo you can:
- Speak to an adviser in your chosen language without having to visit a branch.
- Do all your usual banking on your personal current, savings and credit card accounts.
- Pay bills and transfer money to any UK account with our no-wait automated service. Please note that you'll need to speak to an adviser first if you want to pay someone for the first time.
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Web chat
Chat to us online to get the help you need.
How it helps
Web chat is a great way to bank online and talk to us at the same time. It gives you the best of both worlds if you have a question or want a bit of help online. And it may be a good option if you prefer not to use the phone, or can't get to a branch at the time.
You'll see web chat appear in more and more places on our website. A small box appears on your screen and asks if you want to chat to one of us. If you need help and don’t see a web chat box, go to our contact us page for other ways to get in touch.
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Web chat isn’t always available. If you need help and you don’t see a web chat box, visit our contact us information to find out how to get in touch.
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Banking by phone
How it helps
You can do most of your banking quickly and easily by calling us. You can:
- Access all your accounts
- Transfer money
- Pay your bills
- Apply for an overdraft, loan or credit card
- Book an appointment at a branch.
We’re here to listen and will help as best we can. You can contact us in whichever way most suits you.
Use our security feature Voice ID to make Telephone Banking easier. It lets you access your accounts simply by using your voice. You can set it up if you are at least 18 years old and hold a bank, savings or credit card account with us. Learn more about calling from the app.
Or, you can call us direct at any time on 0345 721 3141
If you're calling from abroad you can call us on +44 (0)131 337 4218.
Use our security feature Voice ID to make Telephone Banking easier. It lets you access your accounts simply by using your voice. You can set it up if you are at least 18 years old and hold a bank, savings or credit card account with us. Learn more about Voice ID. Call 0345 850 1022 to register today. Calls to 03 numbers are charged at no more than local rate. If you need to call us from abroad, you can call us on +44 131 278 3717.
Our automated service is available 24 hours a day, 7 days a week, Our advisers are available from 8am – 8pm.
Calls may be monitored or recorded.
Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an adviser for more information.
Relay UK
You can call us using Relay UK if you have a hearing or speech impairment. There's more information on the Relay UK help pages.
Sign Video services are also available if you’re Deaf and use British Sign Language.
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ServiceMobile Banking appKeep track of your money on your mobile. Our mobile app is safe and secure, and available on iOS and Android devices. |
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ServiceInternet BankingKeep track of your money, make payments and see your statements. Internet Banking is safe, secure and easy. |
How it helps
Internet Banking saves you the trouble of getting to a branch or Cashpoint® machine. It helps you keep track if you're worried about fraud. And you can do your banking when it suits you. Our site works with screen-readers and assistive browsers. And you can talk to us online too, with web chat or BSL SignVideo. |
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ServicePaper-free statementsGet electronic versions of your statements and other bank letters. We'll keep them online for you to read, print or save when you need to. |
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ServiceText AlertsFree text messages to help you look after your bank account. |
How it helpsRead or search online statements with your screen-reader, if you find it difficult to read paper versions
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