Banking with us

Helpful services


We always try to find new ways to make banking simple, and to give more support when you need it. Take a look at some of the things we do to help make it easier to bank with us.

Here you can find out more about the different options available. If you don’t see something you need, please get in touch to let us know.

Other support


We try to make sure banking is easy for people of all abilities and needs. We'll gladly give you any support we can. It's the same if you have a disability, illness or impairment, or are going through a difficult time. Read our guides to find out more about the support we can offer.

Learn more about how we can help

Service

How it helps

Next steps

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.

  • 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.

You can use iOS VoiceOver and Android TalkBack with our app too. So, it can be really handy for banking on the go if you are blind or visually impaired.

Find out more about Mobile Banking

Internet Banking

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

  • 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.

Learn more about Internet Banking

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.

  • 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.

Learn more about paper-free statements

Mobile Alerts

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

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.

Get started with mobile alerts

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.

You can use iOS VoiceOver and Android TalkBack with our app too. So, it can be really handy for banking on the go if you are blind or visually impaired.

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.

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.

Mobile 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.

Service

How it helps

Next steps

Contactless payments

Make small payments without using your PIN.

Contactless logoYou can make payments of up to £30 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. You'll still need to use your PIN for payments over £30 and where contactless is not available.

Contactless debit cards

Contactless credit cards

Mobile payments

Available on compatible iOS and Android mobile devices.

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 £30 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.

Find out more about mobile payments

Pay a contact

Send or receive money with just a mobile number, instead of account details.

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 or through Internet Banking. 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.

How to use a Pay a Contact

Contactless payments

Make small payments without using your PIN.

How it helps

Contactless logoYou can make payments of up to £30 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. You'll still need to use your PIN for payments over £30 and where contactless is not available.

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 £30 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.

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 or through Internet Banking. 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.

Service

How it helps

Next steps

Branches

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.

Find a branch

The Post Office

Pop to the Post Office if it’s nearer or easier than one of our branches.

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.

Visit the Post Office website to find a branch

Cashpoint® machine

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
  • Topping-up a pay-as-you-go mobile phone.

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.

Find a Cashpoint

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.

Next steps

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.

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
  • Topping-up a pay-as-you-go mobile phone.

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.

Next steps

Service

How it helps

Next steps

SignVideo (BSL)

Talk to us through a British Sign Language interpreter with video chat.

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.

Get started with SignVideo BSL Live

Web chat

Chat to us online to get the help you need.

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.

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

Banking by phone

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.

If you call us directly from within the mobile banking app, you may not need to go through our security questions. 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 or would prefer not to use the 0345 number, you can call us on +44 (0) 1313 37 42 18.

Lines are open 24 hours a day, 7 days a week.
Calls may be monitored or recorded.
Not all Telephone Banking services are available 24/7. Please speak to an adviser for more information.

If you have a hearing or speech impairment you can contact us using the Next Generation Text (NGT) Service.

Contact us by Textphone on 0345 600 9644 (lines are open seven days a week, 9am to 5.30pm).
If you're Deaf and a BSL user, you can use the SignVideo service.

Please contact us if you'd like any brochures and other documents in braille, large print or audio CD.

Learn more about Telephone Banking

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.

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

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.

If you call us directly from within the mobile banking app, you may not need to go through our security questions. 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 or would prefer not to use the 0345 number, you can call us on +44 (0) 1313 37 42 18.

Lines are open 24 hours a day, 7 days a week.
Calls may be monitored or recorded.
Not all Telephone Banking services are available 24/7. Please speak to an adviser for more information.

If you have a hearing or speech impairment you can contact us using the Next Generation Text (NGT) Service.

Contact us by Textphone on 0345 600 9644 (lines are open seven days a week, 9am to 5.30pm).
If you're Deaf and a BSL user, you can use the SignVideo service.

Please contact us if you'd like any brochures and other documents in braille, large print or audio CD.