Bank of Scotland Mobile Bank 4+

Success rate: High

I find this app. generally very quick and easy to use, especially when facial recognition is employed. You get straight through to log into the app. If I have to put in the 3 letters of my memorable information, its still better than most other websites with a password, then changing the password when you can’t lay your hands on the last thing you changed it to. Something about the phrase ‘memorable information’ is intuitively better and more enduring.
Making payments and transferring funds; sending receipts, all makes online banking very quick and seamless. In case you missed them, notifications from the bank are kept ‘on file’. Monthly statements and up-coming payments are all very easy to locate within the app. It only needs a bit of attention, and reading the instructions properly. One of the easiest apps to use.

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

Payments to MasterCard

I always transfer the full amount of a purchase from my classic account to my MasterCard before I get a statement. It always takes the money out of my classic account instantly, however is always at least a day before it goes into my MasterCard, even though it always says it will be in my MasterCard account within 2 hours.
This caused me a problem at the start of the month when I wanted to buy airline tickets, they were going to cost more than my credit allowance. Because of this, I transferred more than the full amount to my credit card BEFORE buying the tickets. Again, it said the money would be in my credit card account within 2hours ! Again it wasn’t, and the money was taken from my credit card account for the airline purchase BEFORE my money transfer was registered in my credit card account. I then got worrying nasty messages on my bank app, AND 10 days later got a nasty letter. I phoned the MasterCard number, and she wasn’t very polite or helpful. So, I now don’t know if I have any credit issues, when I did nothing wrong.
Needless to say I am looking into changing ALL my B.O.S accounts to another bank.
Cath McCallum