Packed with features to help you make smart everyday banking decisions. Log in with your fingerprint, see your accounts, scan cheques, make transfers & payments, and more

New to our app?
Packed with features to help you make smart everyday banking decisions, our app helps you stay on top your money – wherever you are.

With our app you can
• Log on quickly and securely with Touch ID, Face ID or three characters from your memorable information
• Manage your account – check balances and pending payments
• You can now block or cancel subscriptions in the app, just search for “subscriptions” in the app to find out more
• Set up Direct Debits and standing orders
• Pay in cheques
• Easily transfer money and make payments to UK and international accounts
• Receive notifications about payments and spending insights on your current account
• Check your PIN or request a new one
• Easily request a new card, report lost or stolen cards, freeze them and order replacements
• Quickly find and view transactions and statements
• Update your contact details

You can find plenty of other information in the app by using our ‘Search’ tool, as well as our handy ‘Help hub’.

Getting started
You’ll need
• The phone number that you’ve registered with us
• A Bank of Scotland UK personal account
• An Internet Banking username, password and memorable information

Keeping you safe online
We use the latest online security measures to protect your money, your personal information and your privacy.

How we’ll contact you
Using our app won’t affect how we contact you. Our emails will address you by your title and surname, and include the last four digits of your account number, or the last three digits of your postcode. Any text messages we send you will come from BANKOFSCOT. Be aware of any message that differs from this – it could be a scam.

Important information
Your phone’s signal and functionality may affect your service. Terms and conditions apply.

When you use this app we collect anonymous location data to help combat fraud, fix bugs and improve future services.

Touch ID requires at least iPhone 5s running iOS 10.0 or above or iPad (5th generation), iPad Pro, iPad Air 2, or iPad mini 3 (or later models). Face ID requires either iPhone X or later models, or iPad Pro with Face ID capability (2018 onwards).

Everyday Offers is available to Bank of Scotland current account customers (excluding Basic Account holders) aged 18+ with a debit/credit card who bank online. Terms and conditions apply.

Apple, the Apple logo, iPad, iPad Air, iPad mini, iPad Pro, iPhone, Touch ID and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Save the Change® is a registered trademark of Lloyds Bank plc and is used under licence by Bank of Scotland plc.

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.

What’s New

Version 78.01

We’ve fixed some bugs and added security updates

We’re also working on new features that will be available in a later release.

Ratings and Reviews

4.8 out of 5
199.4K Ratings

199.4K Ratings

Aboomah ,

No contact

Your Private Banking service has caused me to believe that customers with substantial sums at the bank are neglected and overlooked.
I have this impression after years of loyalty with BoS.
Other banks are so much more customer focussed, looking at ways of assisting in increasing wealth and security. I have only ever experienced BoS as a bank of self-interest. Nobody has even asked what I would want to do with the millions lying practically dormant in a deposit account.
My recent experience of communication, especially with regarding to a recent major bank account fraud has left me wondering where I should transfer all my funds as the security procedures in the bank are not as solid as advertised and you are simply not interested in me as a private banking customer.

danny_c ,

Messy interface

All I want is to be able to come on the app and see plainly my accounts and their balances.

Instead all you log on and see is a messy interface with ads, irrelevant information modules I don’t need or want to see and buttons all over the place. It’s a mess. I just want it to be simple. Log in, see my accounts on the page with no ads or boxes separating them unnecessarily. If you want to give information out them on a separate page cause the extra ad boxes and icons just make your homepage look a confusing mess of an interface. It’s just not needed. Neither are the new “quick buttons” or whatever they are that now show under each account. They just clutter the page and make it look messy. They aren’t needed, these options were easily accessed in the regular way prior.

It’s funny that this is not shown on your App Store screenshots either. THIS is what I want, what you advertise it looking like on the App Store, but that’s not what it looks like in real life, it looks like that with boxes and ads in between all your accounts with no way of turning this off or opting out.

Developer Response ,

Thank you for your review. We work hard to ensure that our app is simple and easy to use. We'll be sure to pass your improvement suggestions to our development teams. ~ Emma

Mabivy ,

Updates are antiquated

Having received a message from a recipient to say that the payment I had sent had not been received, I looked on my app to see the payment hadn’t been recorded as sent. If I had looked closer at that point, I would have noticed my balance had changed although payee not recorded. I paid her again - still no record on the app. I checked balance to see both payments had been debited. I contacted the bank to be told that the app wouldn’t be updated until 1st July because it was the end of the month and the weekend 😱. The transaction has not shown up in the payee’s account and her balance hasn’t changed. I was advised to check my desktop. I don’t have my account on the desktop and it is a busy Sunday morning.
This app is not an improvement on the previous one and I am left to ponder where in the ether my double payment is - left my account, not in the payee’s account, although both times I was informed payment was successful and would appear in the recipient’s account immediately.

Developer Response ,

Thank you for getting in touch, and we hope that this transaction issue was resolved for you. Since you left this review in 2019, we've made a lot of improvements to our app. We'd love to know what you think. ~ Emma

App Privacy

The developer, Lloyds Banking Group, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Contacts
  • User Content
  • Search History
  • Browsing History
  • Identifiers
  • Diagnostics
  • Other Data

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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