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Bank of Scotland Online Banking - Info and FAQs

Bank of Scotland Online Banking is available to all personal and business customers for free. It provides you with 24/7 access to your bank account, credit card, loan, or mortgage. We breakdown all the features of Bank of Scotland Online Banking and provide you with tools needed to register and log on.


If you are not a Bank of Scotland customer, or you are looking to open or change bank account, have a read of our guide to the best current accounts in the UK.


What is Bank of Scotland Online Banking?

Customers of Bank of Scotland have round-the-clock access to their account via its Online Banking platform. Once logged in, customers can access their current account, credit card, savings account, and other Bank of Scotland products and services.

Learn more about Bank of Scotland and its range of accounts and services

Bank of Scotland Online Banking, also known as internet banking or digital banking, is available 24/7 to ensure you always have access to your account to check your balance, pay your bills, send money to friends and family, transfer funds, and manage your money.

Online Banking provides you with all the tools needed to carry out your day-to-day banking and is available online and mobile. Its online services include:

A laptop with an image of a bank building
  • View your account balance and overdraft
  • View your recent transactions
  • View and download your bank statements
  • View and cancel Direct Debits
  • Create, edit, or cancel a standing order
  • Move money between your accounts
  • Send money to accounts in the UK or abroad
  • Pay bills
  • Report your debit card or credit card as lost or stolen
  • Apply for other Bank of Scotland products and services

When you apply for a Bank of Scotland account, it should prompt you to register for its Online Banking service, which you can access from any laptop or computer. Once registered, you will also be able to access your account via your mobile phone with Bank of Scotland mobile banking using the same login details.


How do I set up Bank of Scotland Online Banking?

To bank online with Bank of Scotland, you will need to register on its website. When you first opened your Bank of Scotland account, it should have prompted you to register as part of your application process.

If you are an existing customer but have not registered for Bank of Scotland Online Banking, then you can do so on the Bank of Scotland website. To get registered, you will need:

  • Your account number and sort code, or
  • Credit card number, loan reference number, or mortgage account number.
  • Your personal details, such as name, date of birth, and postcode.

It will then prompt you to create a username and password before sending you an activation code to complete your registration.

Bank of Scotland will send your activation code to the mobile phone number you used when you opened your account. If you no longer have access to this number, then it will send your activation code to you in the post.

How do I add an account to my Online Banking?

The good thing about Bank of Scotland’s Online Banking is that you don’t need to add your accounts manually. Once registered and logged in, you can view all of your Bank of Scotland bank accounts, credit cards, loans, and mortgages together because all of your accounts are linked.

If any of your Bank of Scotland accounts aren’t showing up in your Online Banking, then you should contact Bank of Scotland customer services.


Bank of Scotland Online Banking App

To access your account online is one thing, but with the Bank of Scotland Online Banking App, you can also access your account on the go with your mobile phone.

The Bank of Scotland mobile banking app is available to download for free from the App Store and Google Play store for iOS and Android devices.

Once you have downloaded the app, you can log in. You will need your:

  • Username
  • Password
  • Memorable information

As with Online Banking, you can access all of your Bank of Scotland accounts and products, check your balance, transfer money, view recent transactions, and much more.


Bank of Scotland Online Banking - Business

If you are a Bank of Scotland Business customer, you too can access your account via Online Banking.

If you have already registered for Online Business Banking, you can access your account by visiting the Bank of Scotland website. You will need to enter:

  • Your username
  • Your password
  • Your memorable question

You will also need a Bank of Scotland Card Reader, which will generate a one-off secure code to complete the login process.

You can log in to Business Banking without a card reader if you don’t have one available. However, some features will be unavailable, such as making payments and other transactions.

A piggy bank with cash and coins

Once logged in, you can use Business Online Banking to

  • View your balance, search statements and make payments and transfers.
  • Manage your standing orders and Direct Debits.
  • Make requests online, such as stopping a cheque or ordering replacement cards using Account Services.
  • Choose different levels of online access (Full Access or View Only) for each of your Internet Banking. users and set payment limits to keep in control of your account.
  • Make up to 25 payments at once, perfect for paying your employees or suppliers.
  • View pending transactions to keep track of your cash flow.
  • Make international payments.
 

How to register for Bank of Scotland Business Internet Banking

If you haven’t yet registered for business banking, you can do it quickly and easily on the Bank of Scotland website.

  1. Complete the secure online application form
  2. Print, sign and return the application form
  3. Receive your welcome pack and card reader in the post

Bank of Scotland Online Banking Problems

Although it should be a straightforward process to register or log in to Online Banking, sometimes things don’t go according to plan. We have provided some information below to help with your frequently asked questions so you can get up and running again.

How do I log in to Bank of Scotland Online Banking?

  1. Visit the Bank of Scotland website
  2. Click ‘Login’, on the top right of the screen
  3. Enter your username and password
  4. Enter the requested letters from your memorable information

How do I reset my Bank of Scotland Online Banking?

You can reset your Bank of Scotland Online Banking if you have forgotten your login details. Depending on which information you have forgotten, you should be able to reset your information online.

You will need:

  • Your account details
  • Your phone
  • Your card reader (business accounts only)

I have forgotten my username

  1. Visit the Bank of Scotland website
  2. Click ‘Login’, on the top right of the screen
  3. Click ‘Forgotten your login details?’
  4. Click ‘Forgotten your username?’
  5. Select your account type
  6. Enter your account information
  7. Enter your name and date of birth
  8. Follow the on-screen instructions

I have forgotten my password or memorable question

  1. Visit the Bank of Scotland website
  2. Click ‘Login’, on the top right of the screen
  3. Click ‘Forgotten your login details?’
  4. Enter your username
  5. Enter your name and date of birth
  6. Follow the on-screen instructions

I have forgotten all of my login details

If you can’t remember any of your login details, you should first follow the process above to retrieve your username and once you have this to hand, you can follow the above process to reset your password and memorable question.

You will need to know your Bank of Scotland account details, such as your sort code and account number, credit card number, mortgage reference number, or loan account number, to reset your login details. If you do not know your account details, you will need to contact Bank of Scotland customer services to reset your account over the phone or visit your nearest branch.

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