Mobile Banking from Bank of Scotland

With Mobile Banking, you can carry out many everyday banking tasks while you’re out and about. Our next generation app for iPhone and Android is now available with lots of new features.

If you’re a BlackBerry or Windows Phone user, there is also a Mobile Banking app available.

iPhone and Android app

With our new app, you’ll find Mobile Banking faster and easier. It now has enhanced functionality, an improved login section as well as new security features.

To find out more, watch our brief video.

 

Watch a quick tour (131 secs)

Features

The app allows you to carry out the main tasks that you use Internet Banking for, such as:

  • Checking your balances on your UK personal accounts
  • Transferring funds between your eligible accounts
  • Pay people and bills – and pay your phone contacts using just their mobile number
  • Viewing full transaction histories
  • Managing your Direct Debits and Standing Orders
  • Finding your nearest Bank of Scotland branch or ATM.

If you’re new to banking on the move, please don’t worry. Using our app is easy and secure. 

What you’ll need

  • An iPhone running iOS 5.0 or an Android device running 2.3 or above. (Our new app will not work on older versions of Android or Intel based Android devices but our previous app will continue to work. Alternatively customers can log in from their mobile browser)
  • Data access on your device (either Wi-Fi or cellular)
  • An Apple App Store or Google Play account
  • A Bank of Scotland UK personal account and an Internet Banking username and password
  • An up to date phone number that you’ve registered with us, so we can reach you while you register your device

Please note: If your phone has been tampered with (e.g. jailbroken or rooted) the app will not work on your device as our systems will detect this.

How to get started

Download our new app from Apple App Store or Google Play, then the first time you use it, you’ll need to register your device. Find out how to register your device.

Registering your device

The first time you use the new app, you'll need to register your device. This creates a secure link between your mobile device and your Internet Banking profile. It takes just a few minutes and you’ll only need to do it once. You’ll then be able to log in quickly and securely, using just three characters from your memorable information.

 

 Watch the video to find out more, or follow the steps below. 

What you’ll need:

  • An iPhone running iOS 5.0 or an Android device running 2.3 or above. (Our new app will not work on older versions of Android or Intel based Android devices but our previous app will continue to work. Alternatively customers can log in from their mobile browser)
  • Data access on your device (either Wi-Fi or cellular)
  • An Apple App Store or Google Play account
  • A Bank of Scotland UK personal account and an Internet Banking username and password
  • An up to date phone number that you’ve registered with us, so we can reach you while you register your device

Please note: If your phone has been tampered with (e.g. jailbroken or rooted) the app will not work on your device as our systems will detect this.

How to register your device:

1.   Make sure you have the latest Mobile Banking app from the Apple App Store or Google Play

2.   Open the app and enter your Internet Banking Username and password. You’ll be prompted to input three characters from your memorable information.

3.   Next, we’ll call you, to check it’s you.

l.   Just make a note of the 4-digit code displayed in the app and select which of your previously registered numbers we should call you on.
ll.   When we call, follow the instructions and enter those 4 digits, using the phone keypad.

4.   Congratulations, you’ve registered the app and you’re ready to bank with us on the move. 

5.   There are just a couple of other quick settings we’ll ask:

l.   how quickly you want to be logged out of the app when your device remains inactive
ll.  whether you allow us to use your location, so we can always direct you to the nearest ATM or Bank of Scotland branch.

Fraud & Security

Device registration

We know that online security is one of your top priorities and as you’d expect, the new app is secure. 

By registering you’ll create a secure link between your mobile device and your Internet Banking profile. Once you're registered, every time you log in to the app we'll check that it’s your phone, and you can then use Express Login where we’ll ask you for three characters from your memorable information. This means you’ll be able to access your accounts more easily and quickly than ever and still benefit from our enhanced security.

Each time you log in, the digits we’ll ask for from your memorable information will be different, which makes it very difficult for someone else to try and access your account, even if they’ve watched you log in. And for your added protection, we’ll lock your account after three incorrect attempts.

It’s easy to register your device and once you do you’ll be able to log in more quickly.  And don’t worry, as part of our commitment to you, we offer a full Online Fraud Guarantee.

Our online guarantee

We’re committed to making sure your Mobile Banking experience is as secure as possible. We use cutting edge technology to protect your personal information and privacy.

As a Bank of Scotland Mobile Banking customer, you automatically benefit from our Online Fraud Guarantee.

If you use our online service and become a victim of online fraud, we guarantee you won't lose any money from your account, and will always be reimbursed in full.

For the vast majority of our customers, this situation will never arise, especially if you take a few simple steps:

  • Keep your password secure and do not let anyone else make use of your security details, even if they share a joint account with you
  • Do not let anyone watch you enter your security details and log off after each Internet Banking session
  • Carry out regular virus checks on your devices and have the latest operating system and web browser installed.

Find out more about how to protect yourself online.

How we protect you

We know that you want to be able to access your accounts conveniently but don’t want to be worried about security. Our new mobile app includes the following safety features:

Secure login. By registering you will create a secure link between your mobile device and your Internet Banking profile. This only needs to be done once on each device you use, and then you have to enter three characters from your memorable information to access your account(s).

Enhanced Internet Authentication. When you register your device for the first time, we'll call you to make sure the request is genuine. You’ll receive an automated call from us on a number you’ve previously registered with us. You’ll be asked to enter a four digit number into your telephone keypad.  The whole thing takes just a couple of minutes and you can see this in action on our demo.

Automatic logout. You can set up how long your mobile device stays inactive before it logs you out of our banking app. 

Fraud detection systems. We monitor your account(s) for any unusual activity.

Suspend account. We’ll temporarily disable your account(s) after a number of incorrect login attempts, in case fraudsters are trying to guess your details.

How you can protect yourself

We work hard every day to protect you and your money and here are a few simple steps you can take to protect yourself.

Protect your passwords. Never share your mobile security information with anyone, and don’t store it on your device. Always set up a password or PIN to access your mobile device(s).

Use official app stores. Our apps are only available from the following official app stores: Google Play or the Apple App Store for the new Mobile Banking app, and Windows Phone store and BlackBerry World for the Windows and BlackBerry app. Always use the official Bank of Scotland Mobile Banking app, or log in via your browser, to do your banking.

Keep up-to-date. Contact your mobile phone provider and ask them for advice on software to protect you from viruses and other online hazards.

Be aware of Bluetooth. If you’re not using your Bluetooth connection, switch it off.  Leaving it switched on could put your mobile device at risk from unauthorised access attempts.

Text message and email. Always be cautious when clicking on links in text messages or emails. Don't accept or open any apps or MMS messages from unknown senders. Never respond to emails that ask you to supply your login details. These are known as phishing emails. Remember, we’ll never ask you for your security information.  

Jailbroken/rooted devices. To keep our customers' personal information safe and secure we don't allow jailbroken or rooted devices to be used to access the new iPhone/Android Mobile Banking app. If you want to keep your device jailbroken/rooted, you can still access Mobile Banking through your mobile browser.

Contacting you

Criminals may use emails, text messages or phone calls to lure you into handing over sensitive and valuable information such as credit card and bank account numbers, passwords and log in details. These could then be used to commit fraud using your details.

We will always:

- Quote your Internet Banking User ID or the last four digits of your account number. By default this will be your main account.
- Greet you personally using your title and surname. For text alerts, check they come from BANKOFSCOT and quote the last four digits of your account number. If you are a General Insurance customer and don’t hold a bank account with us, don’t worry, we will always address text messages with the last four digits of your postcode.
- Use links in our emails that will only ever go to a page on or start with something.bankofscotland.co.uk – for example mobile.bankofscotland.co.uk.  We will never link directly through to our Internet Banking login page or ask for your personal details.
- Use the sender addresses info@email.bankofscotland.co.uk or insurance@email.bankofscotland.co.uk.

If you receive a text message, email or phone call that you’re worried about or looks suspicious please email the details to security@bankofscotland.co.uk and we will look into it and use the information to help identify fraud. 
You can find out more about how we protect you and your money and get details about our online banking guarantee by visiting Internet Banking security.

Latest fraudster's trick

Social Engineering
Be wary of suspicious calls. Some customers have advised us they’ve received suspicious calls from people claiming to be from Bank of Scotland or other well know organisations.

Be alert, stay safe and remember:
- We’ll always quote your Internet Banking User ID or the last four digits of your account number. By default this will be your main account.
- We'll never ask you to transfer any of your money out of your account to another account that you don’t recognise.
- If you receive any suspicious calls just hang up, wait for at least 5 minutes for the line to clear and then call us to report the incident using the enquiry number on the back of your debit or credit card.
- Where possible please call us using a separate phone line from the one on which you received the call.

Learn more by visiting Internet Banking Security.

Fraud & Security FAQs

Q: How can I be sure that Internet Banking on a mobile phone is secure?
A: We take your online security seriously, that’s why we use state-of-the-art anti-fraud systems to identify any unusual activity. We also give you peace of mind with our online fraud guarantee. If you use our online service and become a victim of online fraud, we guarantee you won't lose any money from your account, and will always be reimbursed in full. For the vast majority of our customers, this situation will never arise, especially if you take a few simple steps:

  • Keep your password secure and do not let anyone else make use of your security details, even if they share a joint account with you
  • Do not let anyone watch you enter your security details and log off after each Internet Banking session
  • Carry out regular virus checks on your devices and have the latest operating system and web browser installed.

Find out more about how to protect yourself online.

All banking data sent between the app and the bank is securely encrypted.

Q: If I lose my mobile phone, could someone else access my account?
A: If you lose your mobile phone please contact us as soon as you can on +44 113 279 8302 so we can de-register your device (open 24 hours a day, 7 days a week). This will ensure that if someone managed to obtain your Express Login details they wouldn't be able to access your accounts via the app. If you have problems with speech or hearing you can contact us using a Textphone. Please call us from a landline on +44 845 600 9644, 7 days a week between 9:00am - 5:00pm.

Q: What does ‘auto logout’ mean?
A: This is a 'timeout' feature that stops you from accidentally leaving your bank account open on your mobile device. You'll be logged out automatically after a period of inactivity during your current Mobile Banking session and you can select how long this is in the ‘Settings’ option.

Q:  What should I do if I suspect someone else has gained access to my login details?
A: Call us immediately on +44 113 279 8302. 
If you have problems with speech or hearing you can contact us using a Textphone.  Please call us from a landline on +44 845 600 9644, open 24 hours a day, 7 days a week.

 

Frequently Asked Questions

General questions

Is the app secure?

How long does it take to get started with the Mobile Banking app for iPhone and Android?

Why can't I use a jailbroken or rooted device to use the new Mobile Banking app?

I have several mobile devices. Can I get the new Mobile Banking app on all of them?

What is Express Login?

Do I need to register for Mobile Banking?

Can I use Mobile Banking on a work mobile with restricted Internet access?

Does the app support accessibility features?

Why isn’t there a new updated app for BlackBerry and Windows phones?

Can I do my Business Banking through the new app

Is Mobile Banking free?

Device Registration

What do I need to register my device for Mobile Banking?

How do I update the mobile phone number registered to my account before using the new app?

 

Using the App

What should I do if I've forgotten my login details?

Can I manage my Direct Debits and Standing Orders with the app? 

Will the new app still work if I change my mobile phone number?

Are my password and memorable information the same as those I use on my computer?

How far back can I view transactions on my accounts via the app?

Is it safe to use the app over public Wi-Fi?

 

Is the app secure?
Yes, the app is very secure. Please find out more in our Security pages.

 How long does it take to get started with the Mobile Banking app for iPhone and Android?
For most customers, this should take just a few minutes, provided you already have a valid phone number registered with us. To start Mobile Banking, all you then have to do is register your device with the app and authenticate yourself when we phone you through an automated call. You can then start banking right away. If you don't have a valid phone number registered with us, it’ll take a bit longer: the quickest option is to register one now. For security reasons, you may not be able to use your new numbers immediately - If you’d prefer not to register your phone number with us, you can instead request a ‘One Time Password’ during the registration process, and this should reach you in the post within 3-5 days. In the meantime you can continue to use our mobile site.
 
Why can't I use a jailbroken or rooted device to use the new Mobile Banking app?
“Jailbreaking” or “rooting” means removing safeguards from a phone, so a wider range of apps can be installed – including unofficial ones. When a device has been jailbroken or rooted, it makes it easier to install apps that haven't been properly screened for malware. This can leave the devices more vulnerable to fraudulent attacks. If we think we detect malware on your mobile, you’ll also be prevented from using the app. To keep our customers' personal information safe and secure, we don't allow jailbroken or rooted devices to be used to access the Mobile Banking app. If you want to keep your device jailbroken /rooted, you can still access Mobile Banking through your mobile browser. If in future you decide to reset your phone to its original manufacturer settings, you should then be able to start using the new app.
 
I have several mobile devices. Can I get the new Mobile Banking app on all of them?
Yes. You can download and register the app on up to 5 Apple iOS and Android devices, including mobile phones, tablets and music players such as iPods. Each device must be registered for you to log in using Express Login.  On other mobile devices, including BlackBerry and Nokia, you can access Mobile Banking through your phone's Internet browser. 
 
What is Express Login?
Express Login is a new way to log in on your own device by entering only three characters from your memorable information. To do this, you'll need to register your device the first time you use the app. We’ll then link your Internet Banking profile to the app so you can log in more quickly and easily. 
 
Do I need to register for Mobile Banking?
You must be an existing Internet Banking customer to use our mobile app. If you’re using our iPhone or Android app, you’ll need to register your device. Just log in with your usual details and follow the on-screen instructions. You'll then be able to access Mobile Banking using Express Login. Check out our device registration instructions for more details. If you're not fully registered for Internet Banking, you can do this via our mobile or desktop site before you can use the app.
 
What should I do if I lose my mobile phone?
If you lose your mobile phone please contact us as soon as you can on +44 113 279 8302 so we can de-register your device (open 24 hours a day, 7 days a week). This will ensure that if someone managed to obtain your Express Login details they wouldn't be able to access your accounts via the app. If you have problems with speech or hearing you can contact us using a Textphone. Please call us from a landline on +44 845 600 9644, 7 days a week between 9:00am - 5:00pm.
 
Can I use Mobile Banking on a work mobile with restricted Internet access?
You need full internet access on your mobile phone to use Mobile Banking. If you wish to use the app, you'll also need to be able to install it - which some work mobiles may prevent.
 
Does the app support accessibility features?
Yes. The app is compatible with standard device screen readers to help you use both Mobile Banking and the Branch and ATM finder if you are sight-impaired. To use a screen reader, you'll need to enable the accessibility options in your device settings.

The app has been fully accessibility tested (in line with WCAG 2.0 and respective native mobile application guidelines, and BS8878: 2010 Web Accessibility Code of Practice) and is accredited by DAC (Digital Accessibility Centre).

User testing was carried out by individuals who are visually, mobility or hearing impaired, or who are dyslexic or have a learning difficulty.

Why isn’t there a new updated app for BlackBerry and Windows phones?
We decided to develop this app for customers with iPhone or Android mobiles. Customers with Windows or BlackBerry mobiles can continue to use the Mobile Banking app they've used until now. We’ll continue to make improvements to our Mobile Banking services and to provide new features.

Can I do my Business Banking through the new app
No, at present our apps support only personal banking.
 
Is Mobile Banking free?
Although we don't charge you for Mobile Banking your network operator may charge for certain services (such as downloading or using the app). So please check with them before you get started.

 

Device Registration
 

What do I need to register my device for Mobile Banking?
To register with Mobile Banking you will need to be an existing Internet Banking customer, and you’ll also need at least one up to date phone number with us so we can contact you to get started. If you are not already an Internet Banking customer, you can register on the desktop or mobile site via your browser. 
 
How do I update the mobile phone number registered to my account before using the new app?
After logging on through your mobile browser, log in and select "Change Details" at the bottom of the Accounts Overview page. Then select "Change your mobile number" on the screen. To confirm the change, you'll need to enter your password. You can also do this from the "Change Details" option at the top of your Internet Banking Account Overview. For security purposes, you may not be able to use your new number immediately. In the meantime you can continue to use our mobile site.

 

Using the app
 

What should I do if I've forgotten my login details?
If you've forgotten your Internet Banking password or memorable information don’t worry, you'll just need to reset it on our desktop Internet Banking site.  Select 'Forgotten your password’ or ‘forgotten your username’ on the welcome screen for more details and follow the security steps to verify your identity and reset your details.

Can I manage my Direct Debits and Standing Orders with the app?
Yes, you can manage your Standing Orders or Direct Debits by clicking the account action button (the 3 dotted icon) for your chosen account and then select either ‘View standing orders’ or ‘View Direct Debits’ from the list.

Will the new app still work if I change my mobile phone number?
If you're using the same mobile phone and just changing your number, you can carry on using the app as before.
Do make sure you update your mobile number in ‘Change Details’ or on the desktop site. We'll need this for security authentication purposes, such as when you register a new device or if we ever need to contact you regarding suspicious transactions on your account. For your security reasons you may not be able to use your new numbers immediately.

If you're changing your mobile phone, just download the app and install it again, then follow the steps to register your new device. The app works on most Apple iOS and Android devices. Please don’t forget to de-register your old mobile, which you can do in “Settings, Reset Mobile Banking” within the app, if you’re no longer using it. 
 
Are my password and memorable information the same as those I use on my computer?
Yes your username, password and memorable information are the same whether you use a personal computer (PC) or mobile device to access your accounts online.

How far back can I view transactions on my accounts via the app?
You can quickly and easily look through several years of both current and savings accounts transactions.
 
Is it safe to use the app over public Wi-Fi?
Yes, because all the data that is sent between your mobile device and the bank is encrypted, you can safely use the app over a public Wi-Fi connection. 

Mobile Banking App for Windows Phone and BlackBerry mobiles

Our app is free to download from the Windows Phone Store and BlackBerry World and is dead easy to use. It gives you access to Mobile Banking when you’re out and about, plus some useful extras, too.

Bank on the move

  • View balances and transfer money between your Bank of Scotland UK personal current and savings accounts.
  • Make payments to new and existing recipients.
  • Manage your existing overdraft.
  • Pay your credit card.
  • Find a Bank of Scotland branch, ATM or LINK ATM in the UK.
  • Find useful Bank of Scotland phone numbers.

Backed by our fraud guarantee

We're committed to making Internet Banking safe for you. We use the latest online security technology to protect your personal information and privacy.

If you use our online service and become a victim of online fraud, we guarantee you won't lose any money from your account, and will always be reimbursed in full. For the vast majority of our customers, this situation will never arise, especially if you take a few simple steps to protect yourself online.

Frequently Asked Questions

Do I need to register for Mobile Banking?
What devices does the app work on?
Why isn’t there a new updated app for BlackBerry and Windows phones?
How do I set up a payment to a new recipient?
Can I set up a new recipient using only my mobile?
How can I make payments from my mobile phone?
Where can I download the app from?
I tried to download the app but I got an error. What's going on?
Can I use the app when I'm abroad?

Do I need to register for Mobile Banking?
If you're already registered for Internet Banking, you don't need to register again. You can log in using the same username, password and memorable information that you use to access Internet Banking on a computer.

What devices does the app work on?
This app works on BlackBerry phones, with version 5.0 to 7.8x, and Windows Mobile version 7.5 and above. You can still access Mobile Banking using other types of mobile devices through their built in web browser.

Why isn’t there a new updated app for BlackBerry and Windows phones?
We developed our newest app for customers with iPhone or Android mobiles. We’ll continue to make improvements to our Mobile Banking services and to provide new features.

How do I set up a payment to a new recipient?
You set up a new recipient in a similar way to the desktop site. For security reasons we'll need to confirm that you're you. We'll do this in the same way as we do in Internet Banking, by calling you on a number we know is yours, which you can select on screen.

We can call you on the same mobile as you're using to make the payment, but if any of the other phones that are listed are within reach, you might find it easier to select one of those.

Can I set up a new recipient using only my mobile?
Some mobiles don't allow you to switch between using the browser and receiving a phone call, and would log you out. If you're not sure if your mobile will do this, why not test this by asking a friend to call you while you're using Mobile Banking. If you are still logged in after the call, you can do this on your mobile. If not you will need to select an alternative number we know is yours. Make sure the call is shorter than 10 minutes, otherwise you will automatically be logged out.

How can I make payments from my mobile phone?
You need to go to 'Your accounts', choose the relevant current account and select 'Make a payment'. Once you've completed this section you'll be asked to check the details and confirm the payment. You will see a confirmation message.

Where can I download the app from?
You can only download this Bank of Scotland mobile app from the app stores we've authorised to distribute it, which are BlackBerry World and Windows Phone Store. Our other Mobile Banking apps for iPhone and Android are available on the Apple App Store and Google Play. Please report any suspicious apps to security@bankofscotland.co.uk

 

I tried to download the app but I got an error. What's going on?

 

It might be because the operating system on your device doesn't meet the minimum requirements:

  • Blackberry 5.0 to 7.8x.
  • Windows 7.5 and above.

Check the operating system version. If necessary, try backing up your data and then updating the software according to your manufacturer's guidelines.

Also make sure that there's enough space in your device's memory to store the app.

Can I use the app when I'm abroad?
Yes, you can, although please note the app has been designed for use in the UK, and it may be unlawful to access some of the services in some countries. You are responsible for your use of it abroad. Your mobile operator may charge you for using the app abroad so please check with them. Please note that the ATM/Branch Finder will only search for Bank of Scotland branches and other LINK ATMs in the UK.

We don't charge you for Mobile Banking but your mobile operator may charge you for certain services (such as downloading or using the app), so please check with them. Services may be affected by phone signal and functionality. Our new app requires iOS 5.0 or above, or Android 2.3 or above. Internet Banking registration is required. Terms and conditions apply.

Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Getting started with Mobile Banking

To use Mobile Banking, you need to be registered for Internet Banking.

Register


If you're already registered for Internet Banking, you can use the same login details for Mobile Banking. Download our Mobile Banking app, or go to www.bankofscotland.co.uk on your mobile browser. Then log in.

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