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.

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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 online

If you’re not ready to talk, you can send message in our app or Internet Banking to get help today. 

How to message us

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 to 6pm, 7 days a week.

Find a branch near you using our branch finder.

Free independent help and advice

If you need help with debt advice, housing support, general advice, government benefits or grants and online digital training, our free independent help and advice tool will direct you to the right place.

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.

Turn2us benefits calculator

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

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

Additional support

Money management

Life doesn’t always go to plan, but the sooner you speak to us, the sooner we can help.

Money management advice

Life events

We have support to help you through life’s key moments.

Life events

Appointing or supporting someone else

Find out about the different options available if you need someone to manage your accounts or want to support someone else.

Managing affairs

Help Centre

Whether you need help with Internet Banking, updating your details or support with life’s challenges we can help.

Find help and support

Help Centre

Whether you need help with Internet Banking, updating your details or support with life’s challenges we can help.

Find help and support