Money worries?

We’re here to help. Talk to us about help with managing your finances.

Many people experience money problems at some stage of their lives.

If you find yourself in the following circumstances:

  • Behind with payments or worrying about paying your bills
  • Using your overdraft up to the limit on a regular basis

We’ve outlined what you can do next to help you make the right decisions to get back on track, which will give you:

  • Peace of mind
  • Financial stability
  • Control over your finances.

What to do next

Just follow the 3 simple steps we’ve put in place to help get you back on track.

Here’s what we can do together to help you manage your finances.

Use our Budgeting Tool

We know it can be hard keeping track of your income and spending - so we’ve designed a handy Budgeting Tool to help you along the way. Using the tool will help you understand your financial situation, where you can make savings and what your disposable income is.

We’ll usually ask you for this information when you get in touch, so using the Budgeting Tool will help you get ahead of the game and save time in future. It’s quick and easy and usually only takes 10 minutes to complete. We’ll also give you some useful contacts at the end of the Budgeting Tool if you need them.

When you’re finished, print a copy to keep for easy reference in the future.

Launch the Budgeting Tool

Internet and Mobile Banking

Internet Banking can be handy for keeping track of your finances. You can view your account balances, make payments, transfer funds between accounts and more. Giving you the freedom to manage your money while you’re on the go. Why not register for Internet Banking today if you're haven't already.

More about Internet Banking

Mobile alerts

Our mobile alerts service offers a simple way to stay on top of your finances without even having to think about it. So if we have a mobile number for you, we’ll help you keep an eye on your balance.

More about Mobile alerts

Missed a payment on a Bank of Scotland credit card or loan, or are you worried about a future payment?

Call us

Go to the ‘call us now’ link at the top of this page. We’ll give you a number to call and let you know what information you’ll need to get ready before you call.

Please have your income and spending details to hand when you call, as this will save time and help us better understand your situation.

Or write to us at: Credit Operations, PO Box 718, Leeds LS1 1WU.

You can get independent and free advice to help you deal with money worries from many organisations, including

Money Advice Service LogoThe Money Advice Service (MAS)

Set up by the UK government, the MAS offers free and impartial money advice. They can provide you with information and guidance to help you decide the best way to take things forward and keep your payments on track.

They can also suggest providers which you can use to receive debt management services from, or give you information about other ways you can keep on top of your payments.

Contact The Money Advice Service by:

StepChange logoStepChange Debt Charity

StepChange Debt Charity is a registered charity offering free, confidential advice and support to anyone who is worried about debt.

Their free counselling and debt advice can help you get back in control of your money and move forward with your life.

Contact StepChange Debt Charity by:

Citizens Advice LogoCitizens Advice

Citizens Advice provides free, confidential, impartial information and advice on a wide range of debt and benefits issues face to face.

Check your local phone book or Yellow Pages for your nearest Citizens Advice, or visit the Citizens Advice website.

National Debtline

National Debtline LogoNational Debtline are an independent charity, dedicated to providing free debt advice by phone and online to people across the UK.

Contact National Debtline by:

Need to talk to us?


Help from Bank of Scotland is a call away.

Call us now

Available Mon-Fri 8am - 9pm and Sat 8am - 5pm.