First time here?Read our walk-through of setting up Bank of Scotland online banking first. New to the bank altogether? See the Bank of Scotland overview or compare the live UK market in our best current accounts guide.

Bank of Scotland online banking login

Bank of Scotland online banking is available to every personal customer. You sign in with a username, selected characters from your password, and a memorable information word.

  1. Visit the Bank of Scotland login page.
  2. Enter your username and continue.
  3. Enter the requested characters from your password.
  4. Enter the requested characters from your memorable information.

Bank of Scotland will sometimes prompt you for a one-time SMS code or for in-app authorisation when it spots an unfamiliar device or country. Keep the Bank of Scotland mobile app installed and your phone number up to date to avoid getting locked out.

Bank of Scotland mobile app login

The Bank of Scotland mobile app is free on the App Store and Google Play. Once you have linked your account to the app, you can sign in with a 6-digit memorable PIN, Face ID, Touch ID or fingerprint.

  1. Download the Bank of Scotland Mobile Banking app from the App Store or Google Play.
  2. Tap Log on.
  3. Enter your 6-digit PIN, or use biometrics if enabled.

Bank of Scotland login problems

If your sign-in is not working, the fastest fix is usually a self-service reset on the login page.

  • Forgotten your username: select Forgotten your details on the login page and confirm your identity with your card details and date of birth.
  • Forgotten your password: select Forgotten your details and follow the password reset flow; you may need to confirm a one-time code by SMS.
  • Locked account: too many wrong attempts will temporarily lock the account; you can unlock it with the same self-service flow or by calling the Internet Banking Helpdesk.
  • Lost or new phone: reinstall the app and re-link to your account; you may need to confirm your identity with a phone code.

Watch out for phishingBank of Scotland will never call, text or email you asking for your password, memorable information or one-time code. If a "bank" contacts you and asks for those details, hang up and call the official Internet Banking Helpdesk.

Still stuck? Bank of Scotland customer service

If self-service does not work, call Bank of Scotland directly. The full list of contact options is on the Bank of Scotland customer service section of our main review.

  • Internet Banking Helpdesk (UK): 0345 602 0000, Mon–Fri 09:00–17:30.
  • From abroad: +44 113 279 8302.
  • Lost or stolen card: see the number on the back of your card — the Bank of Scotland lost-card line is open 24/7.