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Offers
Get up to 15% cashback on your everyday spending
- Earn cashback with selected retailers when you pay by card or direct debit.
- View and activate your offers wherever you are in our app or online banking.
- Get your cashback into your account at the end of the following month.
Retailer offers and cashback amounts vary.
Steps to take
We’ll guide you through it.
(2 min 29 secs)
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- Log in and find or search 'Offers'
- Select 'Yes, I want Offers' and follow the on-screen instructions to opt in if you haven't already
- All done, activate the offers you're interested in.
You can review your offers at any time.
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- Log in and under ’Get add-ons on Offers’, select ’Find out more’
- Select ’Set up Offers’ and follow the on-screen instructions to opt in if you haven't already.
- All done, activate the offers you're interested in.
You can review your offers at any time.
Getting started online
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You can't activate Offers in a branch or over the phone. Instead, you'll need our app or online banking.
A look at the details
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Eligibility
- You must be aged 18 or older.
- You need a current account or credit card with us.
- You’ll need to be registered for online banking. How to register.
Personal UK online banking customers only. Retailer offers and cashback amounts vary.
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You’ll receive your cashback on or before the last working day of the month after your redeeming transaction. For example, if you redeemed your offer in January, we’ll pay your cashback into your account at the end of February.
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If you have more than one account with Bank of Scotland, we’ll pay your cashback into your oldest account. If you also have eligible accounts with Lloyds or Halifax, your cashback will be paid into your newest account.
You can change where your cashback is paid at any time by selecting a different account in the Cashback history section of Offers. If you’ve made a change, we’ll pay your cashback into the account you most recently selected across Bank of Scotland, Lloyds or Halifax.
To receive your cashback, you’ll need to remain registered for Offers.
Credit cards
If you choose to have your cashback paid to your credit card, it won’t count towards your minimum monthly payment. You’ll still need to pay this to meet the terms of your credit agreement. However, the cashback will reduce your outstanding balance.
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You can view the cashback you’ve earned in the Cashback history section of Offers. Please allow up to 5 working days for your cashback to appear as pending. You can also see:
- how much cashback has been paid to you
- how much you’ve earned over the last 3 months, including a breakdown of qualifying transactions.
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You need our app or online banking to activate Offers. How to register.
Once you receive your login details, you’ll be able to view and activate cashback offers that interest you.
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Win 1 of 100 £50 prizes. Activate this prize draw and use a cashback offer by 31st October 2026. Every qualifying cashback offer used earns an entry.
Read the cashback prize draw terms and conditions (PDF 127KB).
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Win 1 of 300 £50 prizes. Activate this prize draw and use a cashback offer by 30 November 2026. Every qualifying cashback offer used earns an entry.
Read the cashback prize draw terms and conditions (PDF, 127KB).
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