A standing order is a way to make regular payments from your account. You can use this to pay a person, a company or to move money between your own Bank of Scotland accounts. You might use a standing order for things like paying your rent or transferring money to your savings account. If you ever need to change or cancel your standing order, you can do this online.
Using Internet Banking on a desktop or laptop computer:
1. Click ‘More actions’ next to the relevant account, then select ‘Direct Debits and standing orders’ followed by ‘Set up a standing order’.
2. To pay someone you’ve paid before or to move money between your own Bank of Scotland accounts, click ‘Select account or recipient’ and click the account you want to pay from the list.
To pay someone for the first time, click ‘Pay someone new +’ and enter the payee’s details. Please make sure you have the correct spelling before continuing.
3. Choose the frequency, start date and a reference for your standing order if you want to add one.
Set a final payment date or leave it to continue until further notice. If you ever need to change or cancel your standing order, you can also do this online.
When you’re done click 'Continue’.
4. Check the payment details and click ‘Confirm standing order’.
5. If you’re paying someone for the first time, we’ll need to make a quick automated call to confirm the payment.
Select the best number to call you on and confirm the code on your computer screen when we call you.
6. Your payment is now set up and will start on the date you requested.
Using the Mobile Banking app:
1. Tap the three dots next to the relevant account and select ‘Payments and transfers’.
2. Tap ‘Choose who to pay’.
3. To pay someone you’ve paid before or to move money between your own Bank of Scotland accounts, tap the account you want to pay from the list.
To pay someone for the first time, tap ‘+ Pay someone new’ and choose the type of payment you want to make.
Enter the payee’s details and then tap ‘Continue’. The payee’s account details will be checked automatically.
4. Choose the frequency, start date and a reference for your standing order if you want to add one.
Set a final payment date or leave it to continue until further notice. If you ever need to change or cancel your standing order, you can also do this online.
When you’re done tap 'Continue’.
5. Check the details are correct and then hit ‘Confirm’.
6. You’ll be asked for your password or fingerprint as a final security step to confirm the new payment.
7. Your standing order is now set up and will start on the date you requested.
Standing order payments
Payments are only sent on working days and the money won't leave your account until we make the payment. If the standing order is due to leave your account on a weekend or bank holiday, your account will be debited on the next available bank working day when the payment is sent.
Usually we will send standing orders from your Bank of Scotland bank account through the Faster Payments Service. This means payments will normally arrive in the receiving account on the same day they leave your account. You don't need to do anything to send your standing orders faster; we do this automatically.
Please ensure you have sufficient funds in your account the day before any payments are due.
To check an existing standing order
Using Internet Banking on a desktop or laptop computer:
1. Select ‘More actions’ next to the relevant account.
2. Select ‘Direct Debits and standing orders’.
3. Select ‘Manage standing orders’.
Using the Mobile Banking app:
1. Tap the three dots next to the relevant account to and select ‘Standing orders & Direct Debits’.
2. Your standing orders and Direct Debits will be displayed.
To change or delete a standing order
Using Internet Banking on a desktop or laptop computer:
1. Click ‘More actions’ next to the relevant account.
2. Select ‘Direct Debits and standing orders’.
3. Click ‘Manage standing orders’.
4. Then select ‘Edit’ or ‘Cancel’.
Using the Mobile Banking app:
1. Tap the three dots next to the relevant account and select ‘Standing orders & Direct Debits’.
2. Select the standing order you want to change or delete.
3. Tap ‘Amend’ to change the payment details or ‘Delete’ to cancel the payment.
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To set up a Direct Debit
As a Direct Debit is set up to collect money from your account by another organisation, the setting up of the Direct Debit will be done by them through their bank or building society, using the account details you would have supplied them at the time you purchased the goods or services.
To view a Direct Debit
To view an existing Direct Debit select your account from the 'My accounts' page. Then select the 'Direct debits & standing orders' tab. This page displays your existing Direct Debits.
You can’t change a Direct Debit yourself online. If you want to change anything, such as the payment date, you'll need to contact the company you’re paying the Direct Debit to.
To cancel a Direct Debit
You can cancel a direct debit yourself online, either through Internet Banking or our Mobile Banking app.
If you’re cancelling a Direct Debit before making a final payment, you should also always tell the company you’re paying.
Important:
If you’ve been financially affected by coronavirus and are struggling to meet your monthly Direct Debit payments for any Bank of Scotland product, please get in touch with us.
Please do not cancel your Bank of Scotland product Direct Debit without speaking to us first, as missing a monthly payment could harm your credit score in future.
You’ll find more information on our Coronavirus help & support page.
How to cancel a Direct Debit using Internet Banking on your computer – step by step
1. Choose the 'More Actions' button on your account.
2. Open 'Direct Debits and standing orders‘.
3. Click 'Manage Direct Debits'.
4. Find the Direct Debit you want to cancel and click 'Cancel' next to it.
How to cancel a Direct Debit using our Mobile Banking app – step by step
1. On the app homepage, tap the three dots icon next to your account.
2. The account menu will appear - tap 'Standing Orders & Direct Debits'.
3. Tap the Direct Debit you want to cancel, then tap ‘Delete’ underneath it.
Our demo shows you how to view and delete a Direct Debit.
Back to topPaying bills online, such as your electricity, gas or phone bill is easy and convenient.
What information do I need?
You will be asked for the details of the organisation or person you want to pay. These will be:
How do I pay a bill?
You make bill payments in the same way you would pay another person.
If using our Internet Banking website:
1. Select the ‘Payments and transfers’ option next to the account you wish to pay from
2. Select ‘Pay someone new’
3. Enter the recipient’s account name, sort code and account number
4. Click the check box that asks, ‘Are you paying a business?’ and then click ‘Continue’
5. In some cases, a list of companies will be now be provided for you to choose from. Select the one that is relevant to the bill you are paying
6. Enter the amount you wish to pay and your payment reference
7. If desired, you can also schedule the payment for a future date here. You can schedule your payment for any working day up to 31 days in advance. Do this by selecting a date from the list provided
8. Click ‘Continue’ to proceed
9. Review the payment information to confirm it is correct
10. Click ‘Make payment’.
If using our Mobile Banking app:
1. Tap the ‘Pay & transfer’ option at the bottom of the screen
2. Confirm which account you would like to pay from
3. Tap ‘Choose who to pay’
4. Tap ‘Pay someone new’
5. Select the option for a ‘UK account or company’
6. Enter the recipient’s account name, sort code and account number
7. Tap the check box that asks, ‘Are you paying a business?’ and then tap ‘Continue’
8. In some cases, a list of companies will be now be provided for you to choose from. Select the one that is relevant to the bill you are paying
9. Enter the amount you wish to pay and your payment reference
10. If desired, you can also schedule the payment for a future date here. You can schedule your payment for any working day up to 31 days in advance. Do this by selecting a date from
the list provided
11. Tap ‘Continue’ to proceed
12. Review the payment information to confirm it is correct
13. Tap ‘Confirm’ to make your bill payment
Paying a recipient you have paid before
Once you have paid an organisation or person in online banking once, you will not need to re-enter their details.
If using our Internet Banking website:
1. Select the ‘Payments and transfers’ option next to the account you wish to pay from
2. Click ‘Select account or recipient’ to be shown a list of recipients you have paid before
3. Find and select the person or organisation you would like to pay again
4. Enter the amount you wish to pay
5. Update the reference or schedule the payment for a future date, if desired. Click ‘Continue’ to proceed
6. Review the payment information to confirm it is correct
7. Click ‘Make payment’ to make your bill payment
If using our Mobile Banking app:
1. Select the ‘Pay & transfer’ option at the bottom of the screen
2. Confirm which account you would like to pay from
3. Tap ‘Choose who to pay’ to be shown a list of recipients you have paid before
4. Find and select the person or organisation you would like to pay again
5. Enter the amount you wish to pay
6. Update the reference or schedule the payment for a future date, if desired. Then, click ‘Continue’
7. Review the payment information to confirm it is correct
8. Tap ‘Confirm’ to make your bill payment
To amend or delete pending bill payments (desktop only)
If you have scheduled your bill payment for a future date, you may want to amend or delete it.
It is currently only possible to do this on our Internet Banking website and not our Mobile Banking app.
Please ensure you make any amendments or deletions at least 1 working day before the payment is due so the changes have time to take effect.
To amend or delete your scheduled bill payment:
1. Select the ‘More actions’ option next to the account your payment is scheduled to come from
2. A menu should now appear with several options. Select the option at the top, named ‘Payments and Transfers’. This will reveal several more options below. Select the one that says ‘Manage pending payments’
3. On the next screen, you will see a section named ‘Pending Payments’. Your future dated payment should be visible here
4. To amend the payment, select ‘Amend’
5. To delete the payment, select the icon which looks like a cross. You will be asked to enter your password to confirm the deletion of your payment.
Timescales
Most of the time payments you make arrive in the receiving account straight-away (usually within 2 hours). However, some can take up to 4 working days to arrive. This depends on the type of account you are paying.
If scheduling payments in advance, please ensure you have sufficient funds in your account the day before any payments are due. You do not need to do anything to send your payments faster; we will send them in the quickest way possible.
Other information
This page describes how to pay bills in pounds within the UK. To make a payment to a foreign currency account please refer to the Sending money outside the UK section.
Referred for authorisation – To help prevent our customers from online fraud, in certain situations, we may further investigate a request to pay a bill / transfer funds from your account.
We will take steps to ensure this is a genuine request before allowing the payment.
A reminder about payment of Standing Orders/Direct Debits/Cheques/Future Dated Payments
We make payments from your account shortly after midnight at the start of the due date. If your payment date falls on a non-working day, then we will try to collect your payment the next working day.
If you don’t have enough funds in your account at this point to make a payment, we will try to make a payment again after 2.30pm the same day. This gives you the chance to put extra funds into your account so that we can make the payment. The money needs to be available to use straight away, so you could transfer money from another personal account you have with us via Internet, Mobile or Telephone Banking or pay in cash over the counter in branch.
If you do not have enough funds at the beginning of a day to make a payment:
For Standing Orders and Future Dated Payments only
If there are still not enough available funds, we will make a final try on the next working day before rejecting the payment. Details of our fees and charges can be found in the Banking Charges guide.
Back to top1. Go to account screen.
2. Click ‘make a quick transfer’ above your accounts.
3. Type the amount you want to transfer.
4. Select the account you want to transfer from.
5. Select the account you want to transfer to.
6. Click ‘Transfer’.
App:
1. Tap ‘Pay & transfer’ from the bottom navigation bar.
2. Select the account you want to transfer from and to.
3. Type the amount you want to send.
4. Hit ‘Continue’.
Back to topYou can set up payments from the online service to send funds overseas electronically. See our payments section for more information.
Back to topComplete confidence and peace of mind when shopping online.
Find out more about Bank of Scotland Secure.