Go paper-free
Amend paper-free preferences for your statements and correspondence.
Pay someone new
You can do this online
- Send up to £25,000 a day in our app or Internet Banking.
- Name checks so you pay the right person.
- Payments normally arrive within 2 hours and you can even send a payment receipt.
We are unable to cancel a payment once it’s been made.
Bank of Scotland will never ask you to:
- Move money to a so-called secure, safe or holding account.
- Move your money or ask you to transfer funds to a new sort code and account number.
How to do it
We'll take it step by step.
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- Log in and select Payments and transfers from your account.
- In the To section, select Pay someone new.
- Enter the recipient’s name, account number and sort code. Select Continue and we’ll confirm their details.
- Enter an amount. You can also add a reference if you like. For future-dated payments, enter a date here.
- Select Continue. Check the details are right, then select Make a payment. Sometimes we may ask you for more information about the payment.
- We'll need to call you. Choose which phone number for us to use. Then enter the 4-digit number on screen into your phone when we ask you to.
- All done - you can pay them again anytime.
- Log in and select Pay & transfer from your account.
- Select Choose who to pay. Then select Pay new from the top of the screen.
- Choose Pay a person or company.
- Enter the recipient’s name, account number and sort code. Select Continue and we’ll confirm their details.
- Enter an amount. You can also add a reference if you like. For future-dated payments, enter a date here.
- Select Continue. Check the details are right, then select Confirm. Sometimes we may ask you for more information about the payment.
- Enter your password, or use your fingerprint or Face ID.
- All done – you can share or save your payment receipt, and you can pay them again anytime.
Getting started online
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If you're not registered for Internet Banking, you can visit us in branch or call us.
We will always have lower payment limits when you call us.
A look at the details
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Confirmation of Payee (CoP) is an account name checking service to help you make sure your payment goes to the right place.
These checks are designed to help stop payments going to the wrong account by spotting possible mistakes and adding extra security steps to prevent fraud.
How CoP helps you make payments with confidence
The CoP service has been introduced across the banking industry as an extra way to help tackle fraud and keep customers’ money safe.
The service helps make sure payments go to the right account by checking the name and account details all match before a payment is sent. This reduces the risk of making a mistake and paying the wrong person and can help to avoid payment scams.
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You need to be careful when you make a payment online. Fraudsters can pretend to be someone you trust or offer things like fake goods to try and scam you.
We’ll do as much as we can to protect you and reduce scams while you make genuine payments.
To stay safe online, we have a code of conduct that can help to avoid Authorised Push Payment scams.
This code will help to protect you from scams and give you the chance of a fraud refund.
When asking what your payment is, for we can use our advanced systems to help us to fight fraud. We can use them to warn you about a scam before you make a payment and when you set up a new recipient or change an existing one.
If you get a warning, make sure you take suitable action to protect your payment. We may not refund your money if you ignore a warning and fail to act.
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First, check your account to see if the money has already been returned.
If it has, you can resend the payment with the right details.
If it hasn’t and you know the recipient, the easiest and quickest way to get your money back is to contact them directly.
If you don’t know them, if you don’t want to contact them or if the account you paid is closed, call us.
We’ll try to recover the money for you. Please be aware that we may not be able to help you. In that case you‘ll need to contact the bank you made the payment to.
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