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 £10,000 per cheque and £10,000 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

Support when you need it

Whether you are worried about gambling, supporting a loved one, or affected by illness, we have advice and guidance for you.

If you can’t find the help you need, please get in touch.

Supporting your wellbeing

Accessibility support

We try to make sure banking is easy for people of all abilities and needs. If you have a disability, illness or impairment, we can adapt our services to suit you.

Accessibility and disability

Banking with us

You can do your everyday banking at your local Post Office® or Banking Hub. It may be closer than a trip into town or to your nearest branch. 

Banking services near you
  • Ways to make payments

    Service

    How it helps

    Next steps

    Service

    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)

    Next steps

    Service

    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.

    Next steps

    Service

    Contactless payments

    Make small payments without using your PIN.

    How it helps

    Contactless logoContactless 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

    Service

    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.

    Next steps

    Service

    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.

    Next steps

  • Getting in touch with us

    Service

    How it helps

    Next steps

    Service

    Message us online

    How it helps

    Contact us online to get answers to your everyday banking questions. 

    Log in to our app or Internet Banking and get support today.

    Next steps

    Service

    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.

    Next steps

    Service

    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.

    Next steps

    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.

    Contact us

    Service

    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.

    Next steps

Ways to manage your accounts

Service

How it helps

Next steps

Service

Mobile Banking app

Keep track of your money on your mobile. Our mobile app is safe and secure, and available on iOS and Android devices.

How it helps

  • Bank securely. Log in fast, easily and securely – with your fingerprint on compatible devices.
  • Stay in control. Keep track of your accounts and transactions, and do your everyday banking where and when it suits you.
  • Easily pay people and bills – including those you haven’t paid before.
  • Manage standing orders and Direct Debits.
  • Report cards lost or stolen, and order replacements.

Next steps

Service

Internet Banking

Keep track of your money, make payments and see your statements. Internet Banking is safe, secure and easy.

How it helps

  • Safe - we do all we can to protect you from fraud. Our online guarantee gives you peace of mind
  • Secure - our systems keep your money safe and your details private
  • Easy - move money and pay bills in a few simple steps
  • Optimised - work on your computer, tablet and mobile.

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.

Next steps

Service

Paper-free statements

Get 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.

How it helps

  • For most of our current accounts, savings accounts, credit cards and loans
  • Cut down on paper waste and filing - and keep it all safe and secure in Internet Banking
  • Use online search to find payments quickly and easily by date, amount or type
  • Read or search online statements with your screen-reader, if you find it difficult to read paper versions.

Next steps

Service

Text Alerts

Free text messages to help you look after your bank account.

How it helps

Read or search online statements with your screen-reader, if you find it difficult to read paper versions

  • Find out when your main regular money goes in
  • Know when your balance is low or when you're near your limit
  • Be more aware of your money so you can be alert to fraud
  • You must register a mobile number with us and opt in to get text alerts.

Next steps