I need help with a transaction

Every completed payment in and out of your account from the last seven years will appear on your online statement. If you see something you don’t recognise, here’s what to do:

Help with multiple transaction dates

From June 2019, debit card payments and refunds will no longer be processed only on working days, Monday to Friday. They may leave or come into your account on any day of the week including weekends and Bank Holidays.

In these scenarios, the transaction details section in Internet Banking will display three different dates: the date the transaction occurred, the date your account was debited/credited and the date the transaction appeared on your statement.

Unsure about a card transaction to a retailer?

Please note:

  • Some retailers/businesses may appear on your statement under a different name to the one you know them as
  • It’s not uncommon for certain retailers, especially those operating online, to charge an ongoing subscription fee following a free trial period

You can use the list below to help identify retailer/business names as well as common subscription providers:

  • Identify a transaction starting with A-E

    Trading name

    Description

    Trading name

    A2Z Loans

    Description

    A credit broker that charges a fee for its services

    Trading name

    AD.Bone-Fish.Com*

     

    Description

    An online dating service

    Trading name

    Adrian Flux Insurance*

    Description

    A specialist motor vehicle insurance provider

    Trading name

    ADMIRAL.COM*

    Description

    A car insurance provider

    Trading name

    agelessapothecary.com*

    Description

    A beauty and supplements subscription service

    Trading name

    AlcudaBill*

    Description

    A billing service used by a number of online dating sites

    Trading name

    All About Prizes*

    Description

    An online discount membership service

    Trading name

    Allpay

    Description

    A payment service used by a number of public and private sector organisations, including councils and housing associations

    Trading name

    Amazon Digital SVCS

    Description

    A digital download from Amazon

    Trading name

    Amazon Prime*

    Description

    An annual subscription service offered by Amazon (often presented as means for discounted delivery during checkout)

    Trading name

    Arcadia

    Description

    The holding company name for fashion brands including Burton, Dorothy Perkins, Evans, Miss Selfridge, Topman, Topshop, Wallis, BHS and Outfit

    Trading name

    ARCHIVES.COM*

    Description

    An online subscription service for tracing family histories

    Trading name

    Ariste Holding Ltd

    Description

    An online lender providing cash advances for short-term money needs

    Trading name

    Ask Ziinga*

    Description

    An auction website

    Trading name

    ATLASCHOICE.COM

    Description

    A car rental comparison site. Company ceased trading in January 2017

    Trading name

    Audible.co.uk*

    Description

    An audiobook subscription service owned by Amazon

    Trading name

    AVG Internet Security

    Description

    An anti-virus and internet safety software product

    Trading name

    B365 Internet

    Description

    A betting company trading as 'BET 365'

    Trading name

    Badoo

    Description

    An online dating service that charges for premium features

    Trading name

    Betfair

    Description

    An online betting company

    Trading name

    Betfred

    Description

    A betting company

    Trading name

    BFL (Paysafe)

    Description

    A lottery syndicate trading as 'Big Fat Lotto'

    Trading name

    bilablau.com

    Description

    An online department store

    Trading name

    Big Savings Club

    Description

    An online discount membership scheme

    Trading name

    AlcudaBill

    Description

    A billing service used by a number of online dating sites

    Trading name

    Capita

    Description

    A payment service used by a number of public and private sector organisations, including for TV licenses

    Trading name

    Cash Locator

    Description

    An online credit broker that charges a fee for finding loans

    Trading name

    Cash 4 u Now

    Description

    An online lender providing cash advances for short-term money needs

    Trading name

    Castle Finance Direct

    Description

    An online credit broker that charges a fee for finding loans

    Trading name

    Cassava

    Description

    An online betting and gaming site

    Trading name

    CHB

    Description

    A child benefit payment

    Trading name

    Chequeless

    Description

    An online lender providing cash advances for short-term money needs

    Trading name

    Cl Ltd

    Description

    A betting company trading as 'Coral'

    Trading name

    Completesave.co.uk*

    Description

    An online discount membership scheme

    Trading name

    Credit Angel*

    Description

    An online service for accessing your credit report

    Trading name

    Credit Cleaner*

    Description

    An online service for accessing your credit report

    Trading name

    Creditconfidential.com*

    Description

    An online service for accessing your credit report

    Trading name

    Credit Expert*

    Description

    An online service for accessing your credit report

    Trading name

    Credit Reports Matter*

    Description

    An online service for accessing your credit report

    Trading name

    CreditHub*

    Description

    An online service for accessing your credit report

    Trading name

    CreditPerfect*

    Description

    An online service for accessing your credit report

    Trading name

    WWW.DCDIGITALTV.CO

    Description

    An online electrical goods retailer

    Trading name

    Domestic & General*

    Description

    A warranty provider for domestic appliances such as boilers and ovens

    Trading name

    ECOMMWEBHOST.COM

    Description

    A website creation and hosting company

    Trading name

    EE*

    Description

    A mobile phone network (owns 'Orange' and 'T-Mobile' brands)

    Trading name

    Epoch.com*

    Description

    A billing service used by a number of online dating and adult entertainment websites

    Trading name

    Equifax Ltd*

    Description

    An online service for accessing your credit report

    Trading name

    Expedia

    Description

    An online travel booking company that owns several international travel brands including Hotels.com, Trivago, Hotwire, Egencia, Venere,Travelocity, Orbitz and HomeAway

    Trading name

    Experian*

    Description

    An online service for accessing your credit report

  • Identify a transaction starting with F-J

    Trading name

    Description

    Trading name

    GB Discounts*

    Description

    An online discount membership scheme

    Trading name

    Giffgaff.Com*

    Description

    A mobile phone network (owned by O2)

    Trading name

    GI Ltd

    Description

    A betting company with brands such as Coral and Gala Bingo

    Trading name

    Global Personals*

    Description

    An online dating service which owns several brands including 'Dating Republic' and 'Singles 365'

    Trading name

    Goldex Inv

    Description

    A holding company that owns the Costa Coffee franchise in a number of counties in the south-east

    Trading name

    GOOGLE PLAY

    Description

    A digital download from the Google Play store

    Trading name

    Grattan

    Description

    An online retailer of fashion, home and garden products

    Trading name

    Haven Holidays

    Description

    A family park operator

    Trading name

    Hertz Ltd

    Description

    A car and van hire company

    Trading name

    HomeLet

    Description

    A talent referencing and specialist letting insurance company

    Trading name

    Home Retail Group

    Description

    A holding company that own brands including Argos and Homebase

    Trading name

    Home Bargains

    Description

    A discount retailer

    Trading name

    HOMESERVE MEMBERSHIP*

    Description

    A home emergency cover provider

    Trading name

    Hutchison 3G UK*

    Description

    A mobile network trading as 'Three Mobile'

    Trading name

    Ideal Shopping Direct*

    Description

    An online shopping channel

    Trading name

    Indesit.co.uk

    Description

    Supplier of home appliances and white goods

    Trading name

    iTunes

    Description

    A digital download from Apple iTunes

    Trading name

    Indesit.co.uk

    Description

    Supplier of home appliances and white goods

    Trading name

    iTunes

    Description

    A digital download from Apple iTunes

    Trading name

    Juice Plus

    Description

    A dietary supplements company

    Trading name

    Just Eat

    Description

    An online food order and delivery dervice which acts as an intermediary between take-out food outlets and customers

  • Identify a transaction starting with K-O

    Trading name

    Description

    Trading name

    Knowhow

    Description

    A technology support service provided by Currys PC World

    Trading name

    LAITHWAITES WINE*

    Description

    A subscription service for wine deliveries

    Trading name

    LBK

    Description

    A betting company trading as 'Ladbrokes'

    Trading name

    Lending Stream

    Description

    An online lender

    Trading name

    LeOr Skincare*

    Description

    A beauty product subscription service

    Trading name

    Let's Go Rewards*

    Description

    An online discount membership scheme

    Trading name

    Littlewoods

    Description

    An online department store (providing repayment schemes on purchases)

    Trading name

    Live Career*

    Description

    A CV support service with premium features

    Trading name

    Loan Marketing

    Description

    A credit broker that charges a fee for its services

    Trading name

    Loan Rocket

    Description

    A credit broker that charges a fee for its services

    Trading name

    Loan Spotter

    Description

    A credit broker that charges a fee for its services

    Trading name

    LOVEFiLM By Post*

    Description

    A DVD rental service owned by Amazon

    Trading name

    Lowcostholidays

    Description

    A holiday company which has ceased trading

    Trading name

    Lowell Group

    Description

    Debt recovery service predominantly for businesses

    Trading name

    MadBid.Com

    Description

    An online auction site

    Trading name

    Magnum Pay

    Description

    A payment service used by health supplement businesses.

    Trading name

    Magnum Pay2Z Loans

    Description

    A credit broker that charges a fee for its services

    Trading name

    Match.com*

    Description

    An online dating service

    Trading name

    MBNA

    Description

    A credit card provider

    Trading name

    MICROSOFT *OFFICE*

    Description

    A suite of applications, servers and services developed by Microsoft including Microsoft Word, Microsoft Excel and Microsoft PowerPoint

    Trading name

    MICROSOFT *XBOXLIVE*

    Description

    A purchase made through a Microsoft Xbox account

    Trading name

    MIGHTY DEALS

    Description

    A website providing regular discounts on various products and services

    Trading name

    MCAFEE *INTEL SECURITY*

    Description

    A virus and internet security protection product

    Trading name

    Mobie Finder

    Description

    A mobile phone network broker that charges a fee for its services

    Trading name

    MoneyPlus Group

    Description

    An online lender which purchased Clear View Finance in 2014

    Trading name

    Mr Lender

    Description

    An online lender trading as 'PDL Finance Limited'

    Trading name

    My Credit Tracker*

    Description

    An online service for accessing your credit report

    Trading name

    Nakedwines.com*

    Description

    A subscription service for wine deliveries

    Trading name

    Netflix*

    Description

    An online subscription service for streaming TV programmes and films

    Trading name

    New Day

    Description

    A credit and store cards provider used by many UK retailers, including Debenhams, House of Fraser, Laura Ashley, Wallis, Burton, Dorothy Perkins, Evans, Harvey Nichols, Miss Selfridge, Outfit Topshop and Topman.

    Trading name

    Norton

    Description

    An anti-virus and security software product distributed by Symantec Corporation.

    Trading name

    NOWTV.COM*

    Description

    An online subscription service for streaming TV programmes and films

    Trading name

    Nutrajump

    Description

    An online retailer of health and beauty products

    Trading name

    NWBS

    Description

    Nationwide Building Society

    Trading name

    NW Card Services

    Description

    NatWest (Credit Card)

    Trading name

    OUTDOOR EXPERIENCE TEl

    Description

    An outdoor clothing and equipment retailer

  • Identify a transaction starting with P-T

    Trading name

    Description

    Trading name

    Paddy Power

    Description

    A betting company

    Trading name

    Payday Express

    Description

    An online lender providing cash advance for short-term money needs

    Trading name

    Payday UK

    Description

    An online lender providing cash advances for short-term money needs

    Trading name

    PayPal

    Description

    An online payments system used by many eCommerce websites as well as sellers operating on eBay. Sometimes a small payment is made to/from your account as part of the registration process

    Trading name

    Payref.info*

    Description

    A billing service used by a number of online dating sites

    Trading name

    PLENTYOFFISH*

    Description

    An online dating service

    Trading name

    Pounds to Pocket*

    Description

    An online lender providing cash advances for short-term money needs

    Trading name

    Premium Credit

    Description

    A loan provider

    Trading name

    Product Support AG*

    Description

    An after-care service for products purchased from Currys PC World

    Trading name

    Quick Credit Score*

    Description

    An online service for accessing your credit report

    Trading name

    Quick Quid*

    Description

    An online lender providing cash advances for short-term money needs

    Trading name

    RAC*

    Description

    A roadside assistance service also offering car insurance products

    Trading name

    Rewards Now*

    Description

    An online discount membership scheme

    Trading name

    Scarlett Services

    Description

    A PPI claim company which has ceased trading

    Trading name

    Shopperdisc*

    Description

    An online discount membership scheme

    Trading name

    Sony Ent Network

    Description

    A purchase made through a Playstation account

    Trading name

    Spotify*

    Description

    An online subscription service for streaming music

    Trading name

    Sunny*

    Description

    An online lender (charges interest daily)

    Trading name

    TfL

    Description

    Transport for London

    Trading name

    TicketMaster

    Description

    A ticket purchasing service for theatre, concerts and sporting events

  • Identify a transaction starting with U-Z

    Trading name

    Description

    Trading name

    UK Credit*

    Description

    An online lender (charges interest daily)

    Trading name

    Venntro Media Group*

    Description

    An online dating service

    Trading name

    Viagogo

    Description

    An online marketplace for buying and selling tickets to live events

    Trading name

    Wage Day Advance*

    Description

    An online lender providing cash advances for short-term money needs

    Trading name

    Weight Watchers UK Ltd*

    Description

    A subscription service for weight loss

    Trading name

    WLY*MYTIMEREWARDSWL.UK*

    Description

    An online discount membership scheme trading as 'My Time Rewards'

    Trading name

    WLY*COMPLETESAVE.CO.UK*

    Description

    An online discount membership scheme trading as 'Complete Savings'

    Trading name

    Wonga*

    Description

    An online lender providing cash advances for short-term money needs

    Trading name

    WWW.NORTHDEVONTHEATRE. INTERNET

    Description

    A holding company for several local theatres which has ceased trading

    Trading name

    Virgin Wines*

    Description

    A subscription service for wine deliveries

    Trading name

    Xbox Live

    Description

    A purchase made through an Xbox account

    Trading name

    Zoosk*

    Description

    An online dating service

Identify a transaction starting with 0-9

Trading Name

Description

Trading Name

118118 Beauty*

Description

A beauty club subscription service providing discounts on treatments.

Trading Name

121money.com*

Description

A credit broker that charges a fee for its services

Trading Name

247 Moneybox

Description

An online lender providing cash advances for short-term money needs

*Note if you haven’t cancelled directly with this retailer, they may be automatically charging ongoing subscription fees to the debit/credit card provided, often following a free trial or initial discounted purchase.

Still couldn't identify the transaction?

  • You can click on any transaction to find out when, where and how it was made. Log into Internet Banking
  • Use a search engine to see if any more information, such as contact details are available. Please note some retailers/businesses may appear under a different name on your statement

Help with identifying a fee or a charge

Fees and charges can include your monthly account fee and overdraft usage charges. For more information use the link below.

Fees and Charges

Information regarding interest rates

Help with identifying a Direct Debit

  • You can click on ‘Manage Direct Debits’ to view all Direct Debits set up on your account (including details of your last payment and the frequency with which they are taken), as well as being able to cancel them. It’s always worth contacting the company to confirm the cancellation to ensure no further payments are taken in error
  • If you need to claim back a Direct Debit payment taken after the date the Direct Debit was cancelled we may be able to do this under the terms of the Direct Debit guarantee. Contact us with the organisation name, the date the last payment was taken and the date and the way you cancelled the payments

Help with identifying a Standing Order

  • You can click on ‘Manage standing orders’ to view all standing orders set up on your account, as well as being able to amend or cancel them

Help with cheque deposits

  • Cheques will appear on your statement within one working day after beng deposited but it may take up to six working days for the funds to clear

Help with an outgoing payment

  • You can click on ‘Make a payment or transfer’ to view a list of your existing recipients (including sort code, account number and the reference you normally use)

Call us if you're still concerned

If you still have an issue with the transaction or believe it was unauthorised, please contact us immediately on the relevant number below.

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.