Paying someone new
Whether it’s someone you have paid before or someone new, we make it easy to pay securely online.
You can make a payment from your account using our app or by Internet Banking. Your account has daily limits which you can view via the 'payments limits link' when you make a payment.
Here are a few tips to remember when paying someone for the first time:
- The account name should be written exactly as it appears on their bank account statement or your bill if you’re paying a company.
- Always check the sort code and account number of the person or company you are paying.
- If paying a utility bill you may need to add the reference from the provider.
How to pay someone new using Internet Banking
Step by step guide to paying someone for the first time through an internet browser on a computer, mobile or tablet.
How to pay someone new using our app
Step by step guide to paying someone for the first time through our Mobile Banking app via a mobile or tablet.
Bank of Scotland will never ask you to:
- Move money to a so-called secure, safe or holding account.
- Move your money or ask you to transfer funds to a new sort code and account number.
Confirmation of Payee (CoP), is an account name checking service to help you make sure your payment goes to the right place.
These checks are designed to help stop payments going to the wrong account by spotting possible mistakes and adding extra security steps to prevent fraud.
How CoP helps you make payments with confidence
The CoP service has been introduced across the banking industry as an extra way to help tackle fraud and keep customers’ money safe.
The service helps make sure payments go to the right account by checking the name and account details all match before a payment is sent. This reduces the risk of making a mistake and paying the wrong person, and can help to avoid payment scams.
You need to be careful when you make a payment online. Fraudsters can pretend to be someone you trust or offer things like fake goods to try and scam you.
We’ll do as much as we can to protect you and reduce scams while you make genuine payments.
To stay safe online, we have a code of conduct that can help to avoid payment scams.
This code will help to protect you from scams and give you the chance of a fraud refund.
When asking what your payment is for we can use our advanced systems to help us to fight fraud. We can use them to warn you about a scam before you make a payment and when you set up a new payee and/or amend an existing payee.
If you get a warning, make sure you take suitable action to protect your payment. We may not refund your money if you ignore a warning and fail to act.
Online: up to £25,000 per day
In branch: up to £250,000 per day with proof of identity.
Telephone: up to £10,000 per day
Online: no limits
In branch: no limits
We will always have lower limits when you call us.
Your daily account limit can be viewed while you make a payment, by clicking on the payment limits link next to the amount box.
Please note: To use our Mobile Banking app you need to have a valid phone number registered to your account and be set up to manage your accounts using Internet Banking. Our app is available to iPhone and Android users only and minimum operating systems apply, so check the App Store or Google Play for details. Device registration required.
The app doesn’t work on jailbroken or rooted devices. We don’t charge you for Mobile Banking, but your mobile operator may charge for some services, please check with them. Services may be affected by phone signal and functionality. Terms and conditions apply
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