When you use your bank account you need to stay safe and secure.
Learn how to spot a scam, what to do if you’re contacted unexpectedly, and advice on how to stay safe.
Real-time checks - As you bank online, we use extra security measures to make sure it’s really you and not a fraudster. if we spot anything odd, we may ask you to call our Fraud Team. All of this helps us to stop fraud and to keep you safe and secure.
Biometrics - We look at how you use your account online to make sure it’s really you using it and not a fraudster. This helps us to spot things that aren't normal.
State of the art - We use the very latest tech to protect you from hackers.
Bank name display - When you set up a new payment, we may display which bank you’re sending money to, like Barclays, HSBC, Tesco. This helps you to make sure a new payment goes to the right account.
Helpful hints - When you bank online, you’ll see messages before and after you log in. These will give useful hints and tips on how to stay safe online.
We may give you an automated call to confirm an action like setting up a new payee. The call will ask you to enter the four digit code you can see on your Internet Banking screen.
If you are called by someone, not an automated call, and asked to enter a code, then it's a scam.
Bank of Scotland will never ask you to complete this call to secure or get money into your account.
We use your data as set out in our terms and conditions and by your data privacy rights. This protects you and your personal details.
We guarantee to refund your money (including charges and interest that you’ve paid or not received as a result) in the unlikely event that you experience fraud with our Internet Banking service. We will take steps to protect you 24/7, using technology and safeguards that meet or exceed industry standards, but you must also use our Internet Banking services carefully.
Being careful when you use our services includes, for example, that you:
If you've been grossly negligent, we will not refund any money taken from your account before you have told us your Security Details have been lost, stolen or could be misused.
We won't give you a refund if you have acted fraudulently.
For further guidance on using our online banking services, see our Internet Banking terms and conditions.