Money worries

Keeping on top of your money can be tough, particularly with the current rising cost of living impacting many of us - here's how we can help.

What help are you looking for?

What help are you looking for?

If you're struggling to manage your finances or worried about rising living costs, we can help.

Answer a few simple questions and we’ll get you to the right place.

Get started now

Loan, credit card or overdraft payments

You can get help with this online:

  1. Log in to Internet Banking or the app.
  2. If you’re using the app tap the three dots ‘More’ button or use the search bar to find ‘Need help with your debt or payments?’ If you're using Internet Banking, click ‘Need help with your debt or payments?’ on the account menu.
  3. Get support with a repayment plan and money management tips.
Login online

Worried about paying your mortgage?

Whether you’re concerned about making future payments, or you’ve already missed one, find out what support we can offer you.

Support for your Bank of Scotland mortgage

Support for your Halifax mortgage

Other ways to get the support you need

Other ways to get the support you need

How we can help

It is important to deal with your money worries as soon as you can.

If you are struggling with your payments and don’t bank online or would like to know your options, there are other ways that we can help you.​

Find out how we can help

Message us in our app

If you’re not ready to talk, you can message us through our Mobile Banking app.

Log in to our app, select ‘Support’ and then ‘Message us 24/7’.

Find out how to message us in our app.

Download app

Talk to us in branch

If you are affected by financial difficulty, we’re by your side. Our specially trained colleagues are here to help you. Book a free Helping Hand appointment to review your finances in branch with a Banking Consultant.

Call us on 0345 721 3141 to book an appointment. Lines are open 8am – 8pm, seven days a week.

Find a branch near you using our branch finder.

Free independent help and advice

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

You can also access help and guidance on benefits and housing options you may be eligible for.

Free help and advice

Support with Universal Credit

If you’re out of work, cannot work or on a low income you could be eligible for Universal Credit to help with living costs.

Universal Credit support

More help with money worries

Cost of living FAQs

See our FAQs on the cost of living crisis and what support is available.

Cost of living FAQs

Reducing the cost of your credit

If you are paying more in interest, fees and charges than you are paying off your balance, you may be in persistent debt.

Managing persistent debt

Understanding credit

Check your credit score for free, with no impact to your credit score.

You can also learn more about credit and what lenders look for.

Check your credit score

Credit explained

Support and financial wellbeing

We’re by your side if a life event, your mental health or a serious illness is affecting your finances.

Mental health support

Support and wellbeing

Serious illness support

Help me manage my money

With the rising cost of living, our tools and support can help you stay on top of your spending.

Help manage my money

Help me manage my money

With the rising cost of living, our tools and support can help you stay on top of your spending.

Help manage my money

Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day, 7 days a week.