Our app helps you stay on top of your money. It’s packed with features to make banking with us fast, convenient and more secure than ever. Built-in security technology keeps your banking details safe and private. And you may be surprised by what you can easily do on the move:

- Log in quickly and securely with Touch ID, Face ID or a 3-character combination from your memorable information
- View your account balances, transactions and statements
- Check payments going in and out
- Add new payees
- Make transfers and payments home and abroad
- Set up standing orders
- Pay your loan or credit card bill
- Pay in cheques.

Had a mishap with your cards?
Don’t worry. With the app you can easily:
- Freeze card transactions if you’ve temporarily misplaced your debit card or want to restrict how it’s used
- Report lost or stolen cards
- Order replacements for damaged cards.

Want to update your details?
You can securely:
- Reset your password
- Change your contact details
Request a new PIN.
With the app you can also:
- Apply for loans, savings, cards and more
- Earn as you spend with Everyday Offers
- Call us safely – we’ll already know it’s you so can quickly connect you without the usual security checks.

New to this app? You’ll need to set it up by registering your device first. You’ll need:
- An up-to-date phone number registered with us
- Bank of Scotland UK personal account
- Internet Banking username, password and memorable information (you can create these in the app).

We use the latest online security measures to protect your money, your personal information and your privacy. This includes preventing connections from the app on devices that we think have been tampered with. We also have an online banking guarantee:

We won't contact you any more than normal if you use the app. But please stay alert to email, text messages or phone calls that appear to be from us. Criminals may try to trick you into giving them sensitive personal or account information. We'll never contact you to ask for these details. Any emails from us will always greet you personally using your title and surname and either the last 4 digits of your account number or the last part of your postcode '*** 1AB'. Any text messages we send you will come from BANKOFSCOT.

Mobile Banking is available to our Internet Banking customers with a UK personal account. Services may be affected by phone signal and functionality. Terms and conditions apply.

Please note that features requiring the use of your device’s phone capability, such as Call us, won’t work on iPads.

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).

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.

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.

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 64.03

If you forget your PIN, we’ve made it easier for you to get it, just go into “card management” and you can see it there.

You can now manage any recurring transactions on your current account.

Also you can now download your monthly statements for your current account.

Ratings and Reviews

4.8 out of 5
171K Ratings

171K 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.

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.


Lloyds Banking Group
158.1 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating


  • Family Sharing

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

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