Discover why millions of current account customers choose our app.
Stay on top of your money with customisable tools that help you keep track of your day-to-day spending and stay ahead of your bills.
EASY AND SIMPLE ACCESS
• Use your face or fingerprint to log in faster and more securely.
• Just open the app and explore your spaces to get quick access to everything you need, from balances and savings to pensions and investments.
CONTROL FOR YOUR CARDS
• Whether your card is lost, stolen, or simply misplaced, relax knowing you can freeze it, order a new one or look up your card details.
BE IN THE KNOW
• Stay ahead of your bills - your upcoming payments summary lets you know what’s being paid and when.
• Spending insights helps you understand where your money goes every month.
• Check your credit score and get personalised hints and tips to help you stay in control of your money and move closer to your big dreams, like getting a new home.
• Never miss important updates again: personalise your notifications to stay on top of everything.
IN FOR A PENNY
• Make every penny count with Save the Change. It rounds up what you spend on your debit card to the nearest pound and moves the change into a savings account.
• Get cashback from your favourite retailers with Everyday Offers.
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
We don't charge you to use our services, but your mobile operator might charge for some things, such as downloading or using the app, so please check with them. Services may be affected by phone signal and functionality.
When you use this app, we collect anonymous location data to help combat fraud, fix bugs and improve future services.
The app is available to customers with a UK personal account and valid registered phone number. IOS14 or above required. Device registration required. Terms and conditions apply.
Freeze and unfreeze certain types of transactions securely 24/7 for extra peace of mind or if you’ve temporarily misplaced your card.
Touch ID requires at least iPhone 6s running iOS 14.0 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.
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.
LEGAL INFORMATION
This app is designed and intended for Bank of Scotland UK customers to access and service UK personal products. It should only be downloaded for this purpose
While the app can be downloaded from App Stores outside the UK, this does not mean we are inviting, offering or recommending you engage in any transactions or establish a customer relationship with Bank of Scotland.
Any confirmation that our product or service complies with European Union law is made to Apple to meet its legal requirements. This does not imply any representation, warranty, or statement to you and should not be relied upon for entering into any contract.
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
Mr Peter C Isbister
Mr Peter Christopher Isbister
Today is the first day I will phone the bank of Scotland after four weeks. I am in Irvine whereas I was born. Incarcerated because of my mental health. I have bipolar one. And a brain injury which only occurred because I stupidly threw myself in front of a train six years ago March 24. And ruined nothing I believe in God I believe in Yawa. I believe that Boris Johnson always the source to Scottish people and apology. And Westminster is full of pretenders. I voted social housing for those in Scotland. The EU we should be in it. The government is to blame that is all I will said. Doctors and nurses are important. Politics and politicians are very up and down. Boris, I leave you a verse John 20:1, 2, 3 & 4. Thanking your sins. And think about a government that unites Ireland, Wales, Scotland and England. You cannot hide, especially in a second house. Clear your desk and get a job that serves mankind not your own deserves. You are not guilty of a crime. But one day you will answer to Christ Yabba God and the Holy Spirit. Before you leave the house. Amen
Open banking module seems insecure
Mickeylick
Ok, hopefully now I have your attention developers? I added 2 other credit card accounts to this app 3 months ago (so that I can view those balances without moving out of 1 app to open another..a really good idea and USP by the way) all worked well until the 3 month re- authorisation rolled around a few weeks ago. I reauthorised my MBNA credit card account with no problems, ie: click the link in BOS app to open MBNA app to confirm authorisation then get taken back to BOS app... seamless, quick and secure. When I tried the same with my Barclaycard though.... oops! Instead of being redirected back to my BOS app my Halifax banking app gets opened automatically instead (and obviously the request to add Barclaycard to my open banking is never actioned)! I realise this may be a Barclaycard app issue but as the initial request originated from the BOS app then I guess it’s down to you to solve.
Developer Response
Thank you for getting in touch, and we hope that this issue has since been resolved for you. Since you left this review in 2020, we've made a lot of improvements to our app. We'd love to know what you think. ~ Emma
Payments to MasterCard
crahjnit
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
We're always working in the background to keep things running smoothly. If there’s something new, we’ll let you know.
Version 187.07
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, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
