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.

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 48.05

Bug fixes and 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
97.2K Ratings

97.2K Ratings

Bhuddabean ,

Happy Happy!

I find this app on my large screen iPhone is better and easier than using my PC, whether it’s checking transactions, making payments or managing standing orders and direct debits. (I use a PC double boot system on the PC so banking is done on a dedicated operating system rather than sharing with risky internet browsing - a safer and necessary ‘faff’.) The app is clear and functional, ideal for parallel viewing of account details and my own finance spreadsheets at the same time. The occasional need to check an account while out and about is easy using the selective password system and 4G (not someone else’s Wi-Fi, I hasten to add).

Developer Response ,

Thanks for the feedback

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

Telford Moore ,

A huge disappointment

I have given it one star tho I consider that it deserves zero stars. The first mobile app that the BOS was excellent on my iPad, but it can no longer be used - having been replaced with a new mobile app. I really cannot judge how good the new app is as, having struggled to use it twice, I have had to accept that I must go back and use the web method of doing my bank business. My eyes are not great but I could read the old app and the web system perfectly. However, the new app is almost impossible for me to navigate, as its words etc are way too small to read with anything but a struggle, nor is there a control to increase their size (or if there is, I cannot find it cos all words are too small! How ridiculous that the BOS had produced a fine first-attempt app only to then go way back in quality with this new very poor app!


Lloyds Banking Group
245.3 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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