Bank of Scotland Mobile Bank 4+

Secure, convenient, on the go

Lloyds Banking Group

    • Free



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
• Get your Travel Money delivered for free to your home or local branch
• 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 128.03

Are you going abroad soon? Current account customers can now access our new Travel Hub. From here you can order travel money or set up Travel Smart.
Tap 'More' next to your account balance to find the hub in the menu.

Ratings and Reviews

4.8 out of 5
263.9K Ratings

263.9K Ratings

paylesstopark ,

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.

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

crahjnit ,

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

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


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