Making payments in Internet Banking

Move your money with confidence with Bank of Scotland

Paying a person or bill is simple with Bank of Scotland Internet Banking. Everything is designed to help you move your money securely and with confidence.

1. Get started

To get started select ‘Payments & transfers’ on the account you want to move money from.

2. Choose where to send your money

3. Check and send

Why not have a practice run?


Practice Run is an online simulator that lets you explore Internet Banking with step-by-step exercises, such as making payments, without using your own account or your money.

Peace of mind

Pay your Credit Card in just a few minutes, when you have a Bank of Scotland Current Account.

1. Get started

Select the ‘Pay Credit Card’ button on the Credit Card account you want to make the payment to.

2. One-off or regular payments

Choose to make a one-off payment or set up a regular payment by Direct Debit.

Find out more about paying by Direct Debit.

3. How much

When making a one-off payment, choose to pay:

  • The full balance from your latest statement
  • A different amount that you choose
  • The minimum payment from your latest statement.

You can set up the payment to be made up to 31 days in the future.

4. Check and send

Standing orders

Step 1: Get started

You can set up standing orders easily through Internet Banking.

To get started select ‘Payments & transfers’ on the account you want to move money from.

Step 2: Choose  when to pay

Once you have selected who you are sending money to, use the ‘Repeat Payment (make this a standing order)’ button and select when and for how long you would like to make the payment for.

 Step 3: Check and Set up

It’s easy to check everything’s correct before confirming the payment.

 When you see ‘Success’ you know your payment has been sent and the standing order has been set up.

 You will be able to view, add, change or delete any of your standing orders whenever you want through Manage transactions in your internet banking.

Direct Debits

Direct Debits need to be created by the company you are paying, but you can view them through our Internet Banking service. If you want to change or cancel any of your Direct Debits you will need to contact the billing company so they cancel it from their end too

Payment limits and time frames

When making a payment choose whether to pay as soon as possible or on a future date.

If you choose as soon as possible, we'll check to see if the sort code you are sending your payment to is Faster Payment enabled, and if it is, the payment should be completed within 2 hours.

If the person or company you are paying isn't able to receive Faster Payments, you won't be able to make the payment online.

You can also use the sort code checker tool on the Payments UK website to find out if the account you are paying to is Faster Payments enabled.

Daily payment limits apply, which may be affected by other payments you have made on the same day or the time a payment request is made. For more information, including the payment hours, please see the list of Frequently Asked Questions.

Check the tables below to see what limits apply to each type of payment and when the recipient will receive them.

Current accounts

Transferring money between your existing Bank of Scotland accounts

Making a payment to another organisation

Regular payments to another organisation*

International payments

Transaction limit

£250,000

£25,000

The limit for Under 19s Account holders is £500 if your account was opened after 11th September 2011, if it was opened on or before this date then the limit is £300.

£25,000

The limit for Under 19s Account holders is £500 if your account was opened after 11th September 2011, if it was opened on or before this date then the limit is £300.

£75,000

Daily account limit

£250,000

£25,000

The limit for Under 19s Account holders is £500 if your account was opened after 11th September 2011, if it was opened on or before this date then the limit is £300.

£25,000

The limit for Under 19s Account holders is £500 if your account was opened after 11th September 2011, if it was opened on or before this date then the limit is £300.

£75,000

Funds received

Immediately

Usually within 2 hours*

Usually within 2 hours*

See International Payments table

Savings accounts

Transferring money between your existing Bank of Scotland accounts

Making a payment to another organisation

Regular payments to another organisation*

International payments

Transaction limit

£2,000,000

£25,000

£99,999**

 

£25,000

£99,999**

 

Not available for Savings accounts

Daily account limit

£2,000,000

£25,000

£99,999**

£25,000

£99,999**

Not available for Savings accounts

Funds received

Immediately

Usually within 2 hours*

Usually within 2 hours*

Not available for Savings accounts

International Payments***

Currency and destination

Maximum delivery times

Euros to the EU, EEA, Monaco or Switzerland

Next working day

Sterling, Swizz Francs and any other EEA currency to any EU or EEA country

4 working days

Any other currency to non EU and EEA European countries, North America, Canada, South Africa, Australia, New Zealand, Middle East and the Far East

4 working days

Any currency to any other countries

12 working days

Faster Payments frequently asked questions

Remember you can also use our Internet Banking demo to see how to make payments within the Internet Banking service.

*Most Faster Payments will be received by the beneficiary within 2 hours, but you should allow up to close of business the next working day.

**Websaver limit only

***Under 19s Account holders registered for Internet Banking that are aged 11-15 cannot use the International Payments service.

Paying a person, bill or your Bank of Scotland Credit Card is simple and secure with our Mobile Banking app. It only takes a couple of minutes and we’ll confirm that your payment has been submitted.

How to pay a Bank of Scotland Credit Card

 

How to pay a person or bill

 

 

Frequently asked questions

Faster Payments Service

What are the daily payment limit restrictions?
When making payments to other parties from your Internet Banking account, your daily payment limit is £25,000.
Your payment limit amount can be a combination of the following:

  • Bill payments
  • Payments to individuals
  • New standing orders
  • Travel Money
  • The value of any increase in a standing order.

Payment limits are calculated at the time you request a payment and not when the payment actually leaves your account. For example, if you set up a standing order today which is to leave your account on the 2nd of each month, the amount is part of today’s £25,000 limit and not the limit for the 2nd when the payment leaves your account.

Payments over £25,000
If you want to make a payment greater than £25,000, you could:

  • Split the payment over two or more days (see payment hours below)
  • Discuss different payment options by calling us 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
  • Visit your local branch.

What hours apply to the daily payment limit?
The daily payment limit is based on the following operational hours:

Day

Start time

End time

Limit

Sunday - Monday

12:00pm Sunday

9:59pm Monday

£25,000*

Tuesday

10:00pm Monday

9:59pm Tuesday

£25,000*

Wednesday

10:00pm Tuesday

9:59pm Wednesday

£25,000*

Thursday

10:00pm Wednesday

9:59pm Thursday

£25,000*

Friday

10:00pm Thursday

9:59pm Friday

£25,000*

Saturday - Sunday

10:00pm Friday

11:59pm Sunday

£25,000*

* The payment limit for Under 19s account holders is £500.

Bank Holiday payment limits

On bank holidays, the £25,000 payment limit will be combined with the following day’s limit. For example:

  • On a bank holiday Monday, the payment limit will be combined with Tuesday’s limit (12:00pm Sunday to 9:59pm Tuesday)
  • On Good Friday, the payment limit will be combined with Saturday’s limit (10:00pm Thursday to 11:59am Sunday).

Are all payments sent by Faster Payments Service?
All payments will be sent using Faster Payments Service and will leave the account immediately.  In most cases the cleared money will be available on the recipient's bank account within 2 hours, but it can sometimes take up to close of business the next working day.

The bank account that you are sending the money to will need to be able to accept Faster Payments. You can check if the sort code accepts Faster Payments by using the sort code checker tool on the Payments UK website.

What about regular payments I receive from other people, will they be faster?
Regular payments you receive from other people will be faster, provided the sending bank is part of the Faster Payments Service and can send Faster Payments.

How long does it take to transfer money between my accounts?
Transfers made between your own personal accounts will be made right away or you can choose a future date.

What if I have made a payment to the wrong account?
If you have made a payment to the wrong account details, or if you have made a payment using incorrect account information, please check if the payment has been returned to your account. If so, please resend the payment with the correct details. If the money hasn’t been returned and you know the beneficiary, the easiest and quickest way to recover the payment is to contact them directly. If however you don't know them or do not want to make direct contact, contact us directly on 0345 721 3141 and we will try and recover the funds for you.

Please be aware that if the account details for your recipient were incorrect when you set up the payment, we may not be able to help you and you will need to contact the bank you made the payment to.

Please call our Helpdesk on 0345 721 3141 (+44 131 339 2573 from overseas), 24 hours a day, 7 days a week.

CHAPS

Why transfer money by CHAPS?
If you need to send money in pounds from your Bank of Scotland personal current account to another UK account, you can ask in branch to make a payment by CHAPS. To send money by CHAPS you’ll need the bank account name, number and sort code of the recipient. You may wish to consider whether other methods of sending the payment, which do not incur a charge may be available – such as an internal transfer or a faster payment. More information about these payment types and the restrictions which apply to them can be found here or ask in branch.

When will it arrive?
CHAPS processed externally through the Bank of England CHAPS settlement system – payments are guaranteed to arrive at the recipient bank on the same day if we receive your instruction before 4.25pm on a working day and the recipient bank account details are correct.

CHAPS processed internally by Lloyds Banking Group – we will aim for these to arrive on the same day, if we receive your instruction before 4.25pm on a working day and the recipient bank account details are correct, but this isn’t guaranteed.

CHAPS instructions received after 4.25pm on a working day are treated as received on the next working day.

How much will it cost?
There is a single fee for each CHAPS payment of £25 for Bank of Scotland customers.

What should I do next?
If you’d like to make a CHAPS transfer just call into your nearest branch.

The Payment Services Directive and the Payment Services Regulations 2009

What are the Payment Services Directive and the Payment Services Regulations 2009?
The Payment Services Directive is a European Union legislation which supports a Single European Payment Area (SEPA). This means that cross-border euro payments can be made as efficiently as within national borders. The legislation has been implemented in the UK by the Payment Services Regulations 2009.

What do the Payment Services Regulations 2009 mean to me?
The majority of payments you send from the 7th November 2011 will arrive by the next working day, where as previously, payments often took up to 4 days. Some payments will remain unaffected. These include those executed wholly in cash, cheques and other paper based transactions such as banker's drafts.

Who are SEPA member states?
The Payment Services Directive (PSD) covers all payment accounts within the Single European Payments Area (SEPA). SEPA consists of those countries who are members of the European Economic Area plus Monaco and Switzerland.