Just need to sign in? Use the Bank of Scotland login guide. Want the full bank overview? See our updated Bank of Scotland review.

What is Bank of Scotland online banking?

Bank of Scotland online banking is the browser equivalent of the Bank of Scotland mobile app. It is available 24/7 (except during planned maintenance) and surfaces every personal product you hold with the bank in a single secure session.

What you can do online

  • View balances and transactions on current accounts, savings, ISAs and credit cards.
  • See your sort code, account number and IBAN.
  • Move money between Bank of Scotland accounts and to other UK or overseas beneficiaries.
  • Set up, view and amend direct debits and standing orders.
  • Apply for an overdraft, credit card, savings account, loan or mortgage.
  • Order replacement cards or temporarily freeze a card you have misplaced.
  • Update your personal details (address, phone, email, marketing preferences).
  • Send and receive secure messages with Bank of Scotland customer service.

How to register for Bank of Scotland online banking

If you have a Bank of Scotland account but have never used online banking, registration takes around five minutes. You will need your sort code, account number, your date of birth and your UK mobile number on file with the bank.

  1. Visit bankofscotland.co.uk/onlinebanking/register.
  2. Confirm your identity with your sort code, account number and date of birth.
  3. Set a username and a strong password.
  4. Choose a memorable information word.
  5. Verify your mobile number with a one-time code by SMS.

Security on Bank of Scotland online banking

Bank of Scotland uses several layers of security to keep your account safe:

  • Multi-step login: username, partial password and partial memorable information — not all of any of them.
  • Strong Customer Authentication (SCA) on new payees and online card payments via one-time SMS code or in-app approval.
  • Behavioural detection: Bank of Scotland flags or blocks logins from unfamiliar devices, countries or unusual patterns.
  • Auto sign-out after a short period of inactivity.
  • Fraud refund under the Payment Systems Regulator (PSR) rules for authorised push payment scams, subject to the standard conditions.

Bank of Scotland online banking problems

Most online-banking issues can be fixed self-service through the login page. Use the right step-by-step for your situation:

Forgotten your username

  1. Open the Bank of Scotland login page and select Forgotten your details.
  2. Choose Username.
  3. Confirm your identity with your card details and date of birth.
  4. Bank of Scotland will display your username on screen or send it by SMS.

Forgotten your memorable information

  1. Open the Bank of Scotland login page and select Forgotten your details.
  2. Choose Memorable information.
  3. Confirm your identity with a one-time code by SMS or in-app approval.
  4. Set a new memorable information word.

Forgotten everything

If you have lost both your username and your memorable information, you will need to call Bank of Scotland to reset them. Have your card or ID and date of birth ready.

Bank of Scotland online banking FAQ

Yes. There is no charge for using Bank of Scotland online banking on any personal account. Standard data charges apply if you use the mobile app on a metered mobile network.

Yes. Most Bank of Scotland personal current accounts can be opened end-to-end on the Bank of Scotland website or mobile app, provided you can complete the online ID check.

The bank may block access if you enter the wrong password too many times, if it detects suspicious behaviour on your account, or as part of an automated fraud check. Calling the Internet Banking Helpdesk will unblock you after ID verification.

No. Halifax and Lloyds Bank are separate brands inside Lloyds Banking Group with their own internet banking platforms. You need separate login credentials for each, even though the underlying group is the same.