Tips for managing your bills

By checking your bills regularly, you might save some time and money. Follow our guide for tips that may help you.

  • Select your payment date

    Some companies will let you select the date your payment is due. Phone whoever you're paying and check if you can change your payment date. There may be a date that suits you better.

    It may be helpful to have your bills come out on the day you get paid. If you get paid weekly, try spreading out payments over the month.

    You can keep track of what payments you have due, by checking your upcoming payments within the app.

    Depending on the type of bill, sometimes you can make a one-off payment each year. For example, you could pay your car insurance or road tax yearly, which could result in you paying less overall.

    We've got more budgeting advice to help you manage your money.

  • Choose your payment method

    A Direct Debit tells your bank or building society that a business or service can collect monthly or one-off payments from your account on a set date. The company will let you know the amount you need to pay.

    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 can set up a standing order through Internet Banking or our Mobile Banking app.

    If you prefer, you can make one-off payments over the phone or online. If you need to make a payment by a set date, make a note of the due date or set a reminder.

  • Make sure you are getting a fair deal

    It is always worth taking time to check the price you are paying is a fair deal. You can do this by using price comparison websites. Check the price you are paying is reasonable or maybe search for a better deal.

    If you have an agreement that is coming to an end, for example, your gas, electricity or broadband provider, you may be able to find a better price.

    Independent money advice services, including MoneyHelper, have advice on using comparison websites. They also have tips and advice on how you could reduce your bills.

List your outgoing payments

Make a list of all your bills and payments, how much they are and when they are due. Make sure you include your mortgage or rent payments, mobile phone costs and utility bills. Use an average cost of your last three bills, if your bills differ each month.

Also check to see if you have any subscriptions or membership payments. You can view, block or cancel subscriptions, through our Mobile Banking app.

If you bank online, spending insights can help you. It gives you a breakdown of where your money goes and will tell you the categories of spend. This helps you spot spending patterns and where you might be able to make some savings.

Help managing your bills

From energy bills to food bills, we’re by your side. There’s lots of support available out there to help you save on your bills. 

Energy bills support

Your energy supply

Citizens Advice has lots of support to help you with your energy bills. If you’re looking to get a better energy deal or struggling to pay your energy bills, there’s help and guidance available to you.

Citizens Advice

Food bills support

Too Good To Go

Too Good To Go is an app that helps towards stopping surplus food from going to waste. You can reserve food bags at a discounted rate at your favourite shops and restaurants.

Too Good To Go

Tips for the supermarket shop

There’s lots of tools to help you save on your supermarket shop in this MoneySavingExpert guide.

Supermarket tips

Other ways to support

Money worries

If you are struggling with your finances, or worried about the increased cost of living, you are not alone.

We are here to help you make the most of your money.

Support with money worries

Free independent help and advice

Get support and guidance on your finances from free independent organisations or the government.

Free help and advice

Food banks

Trussell Trust support a nationwide network of food banks. Find out how to get help from your local food bank. You can also speak to a trained adviser on the phone for personalised support.

Trussell Trust

Banking online

Online payments

You can view and manage your bills and payments online. Learn more about how to send and receive money in our Mobile Banking app or through Internet Banking.

How to pay bills online

Keeping you safe online

From shopping to banking online, we have advice and guidance to tell you how to keep yourself safe from fraud.

How we protect you

Getting started online

Mobile Banking app

  • Join our 1 million app users
  • Simple and secure log in.
  • Stay up to date with notifications.

 

More about our app

Internet Banking

Log in to view or manage your accounts on our website.

 

Log in to Internet Banking

Register


Mobile Banking app

  • Join our 1 million app users
  • Simple and secure log in.
  • Stay up to date with notifications. 
Download our app

Internet Banking

Log in to view or manage your accounts on our website.

Log in to Internet Banking

Register

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