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 cardsr
- 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.

What’s New

Version 49.05

The latest version of our app is full of new features, including payment receipts, in-app chat, mortgage overpayments and credit card integration to make managing your money from your mobile easier than ever.

Refreshed design
A fresh new design for your accounts screen and an updated menu makes it quicker and easier for you to find what you are looking for.

All in one place
There’s now one place to view all of your incomings and outgoings, going as far back as you need. The new ‘All’ tab even displays pending transactions on your account. Find it next to the ‘Month’ tab.

Mobile mortgage overpayments
Want to make an overpayment on your Bank of Scotland mortgage via your mobile? Simply go to the new 'Mortgage Overpayment’ tool in the app main menu.

Your questions answered
Have a question about your account? The in-app messaging service helps you find the answers you need, fast. Access this feature through the Support Hub.

Shareable payment receipts
Keep a record of payments you’ve made and share with payees using the new Payment Receipts tool. Simply save the payment receipt image directly from the app.

A complete view
You can now view your credit card with Lloyds Bank or MBNA alongside other accounts in the app, giving you a complete view of your finances at your fingertips.

Ratings and Reviews

4.8 out of 5
103.5K Ratings

103.5K Ratings


Poor app. Poor service.

Don’t even attempt to call them to help or explain why you can not transfer YOUR money. Apparently it’s a bug but zero explanation or time given for a fix! Only exasperated by the fact it’s week three and my new card still hasn’t arrived nor was it ordered three weeks ago AGAIN don’t expect an explanation or a reason because Bank of Scotland apparently don’t provide reasons, just a poor banking service. However, the rude call handler will transfer your money for you, it only takes 11 minutes and you get the pleasure of speaking to someone with a bad attitude and complete lack of social skills but hey you also get to be reminded repeatedly that you can also just log on using a PC. Hello 2018

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.

Paul-d-88 ,

Support for non BOS payments

It’s crazy that, in this day and age, to utilise the app for paying off your credit card you have to open a bank of Scotland current account. I already have 3 current accounts - I don’t need another one just to appease bos! So as a result I’m in unable to pay off any of my credit card balance without logging in and paying through the website. And for someone that clears off balances whenever I have free funds ad-hoc (not a specific regular direct debit which is the only option for me) is incredibly inconvenient. Very poor.

Please allow debit card payments to pay off credit card balances in-app! Barclaycard’s app was FAR more user friendly than this app which is basically just a balance checker unless you also take out their current account, pay into that from your main current account THEN pay the credit card balance from in the app! Bonkers system. Sort it out. At this stage i regret the move from Barclaycard MASSIVELY.

Developer Response ,

Hi, thanks for leaving us a review. We are always looking at ways to improve the App and your feedback is appreciated. Simon


Lloyds Banking Group
253.7 MB

Requires iOS 9.0 or later. Compatible with iPhone, iPad and iPod touch.



Age Rating
Rated 4+
© 2011, Bank of Scotland


  • Family Sharing

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

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