Mobile
Banking.
Banking
Mobile Banking.
With our Mobile Banking service,
you can stay on top of your
finances on the go.
There are so many things you can do
on your mobile phone, from checking
your account balance when you are out
and about to viewing statements and
receiving Text Alerts.
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To access your accounts through
Mobile Banking you need to be
registered for Internet Banking.
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Our Mobile Banking service gives you
the choice of two simple ways to log in
to your accounts on your mobile:
1. Our free to download Mobile Banking
app. Available from major app stores.
2. Or you can log in straight from your
mobile browser via bankofscotland.co.uk
To download our Mobile Banking app
directly to your phone, simply visit
mobile.bankofscotland.co.uk
With our Mobile Banking app you can also:
— Find a Bank of Scotland branch,
ATM or LINK ATM in the UK.
— Make payments to new and
existing recipients
— Transfer funds between your UK
personal current and savings accounts
— Find useful Bank of Scotland
phone numbers.
Although we don’t charge for Mobile
Banking, your mobile operator may
charge for some services, so please check
with them. Services may be affected by
phone signal or functionality.
Text Alert Service.
To help you manage your current
account on the move you can
easily set up some of the following
Text Alerts.
Limit Alerts.
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We can send you a text to let you know
when you’re near or over your account
limit, so you can pay in enough money
as soon as possible to cover all your
payments. The money needs to be
cleared funds, so you can pay in cash or
transfer money from another personal
account you have with us using Internet
Banking, Mobile Banking app or
Telephone Banking.
High and Low Balance Alerts.
With High and Low Balance Alerts you
can keep track of how much money is
in your account. The alert will be sent out
when your account reaches a high or low
amount previously specified by you.
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When there’s extra money in your
current account we’ll send you a High
Balance Alert so you can move money
into your savings account.
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We can also send a Low Balance Alert
so you can make sure you have enough
money in your account to cover your
outgoings.
Overseas Transaction Alerts.
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For added security if your Visa debit
card is used abroad, we’ll text to tell you
whether it was a purchase or withdrawal
from a cash machine. This should make
it easier for you to spot any fraudulent
transactions on your account and give
you time to tell us about them.
Weekly Balance Alerts.
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Simply choose the weekday and time
you’d like us to send you a weekly
text with your balance and last six
transactions and we’ll set it up for
you straight away.
Between 11 and 15 years old.
Signing up.
Before you sign up for any of our
Text Alerts, make sure:
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You have a Bank of Scotland
current account with a Visa debit
or Cashpoint® card.
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Your mobile phone is active,
in your possession and the number
you’ve registered is up-to-date.
How to sign up.
1. Online.
Log into Internet Banking at
bankofscotland.co.uk/register and
select ‘Mobile Banking’ from the menu.
2. Phone.
Call us on 08457 21 31 41 to register.
3. In branch.
Or call into your local branch.
Remember.
How to set up
Text Alerts online.
Follow the on-screen instructions.
Here are the two steps you’ll need
to go through:
Step 1.
Log into Internet Banking at
bankofscotland.co.uk/register
and select ‘Mobile Banking’.
Step 2.
Choose one or more of the following Text
Alerts from Mobile Banking:
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Limit Alerts
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High and Low Balance Alerts.
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Weekly Balance Alerts.
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Overseas Transaction Alerts.
Alternatively, call now on 08457 21 31 41
(lines open 8am–8pm Mon–Fri, 8am–6pm
Sat and 9am–5pm Sun) or visit your
local branch.
Technical support.
For technical questions call us on
08456 02 00 00 or +44 1132 798 302
from overseas, Monday to Friday
8am to 9pm and Saturday and Sunday
from 8am to 8pm (UK time —
Keeping you
secure.
Your security is our highest
priority when you are banking.
So, like all our services,
Mobile Banking comes with a
number of safety features and
recommendations which offer
a high level of protection.
Phone and text safety.
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You should protect your account
information by deleting the text after
you’ve read it and by setting a PIN
on your mobile phone and changing
it regularly.
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Information about
using Mobile Banking.
1. Pausing or stopping Text Alerts.
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You may cancel, pause or change
your Text Alerts at any time.
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You may want to pause your Text Alerts
when you go abroad. Your mobile
operator may also charge higher rates
for using Text Alerts,
so you should check with them
before you travel.
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It’s a good idea to check with your
provider whether you’re allowed
to receive financial or encrypted
information through your mobile phone
while you’re abroad.
2. Changing your mobile number.
If your mobile phone number changes,
you can let us know by updating it
via Internet Banking, calling us on
08457 21 31 41 or visiting us in branch.
4. Glossary.
Here are the abbreviations we use
on Text Alerts:
BGC:
Bank giro
credit
DEB Visa debit
card
BP:
Bill payment DEP: Deposit
CHG:
Charge
EUR: Euro
Cheque
CHQ:
Cheque
FE:
Foreign
Exchange
COMM: Commission IB:
Internet
Banking
COR:
Correction
INT: Interest
CPT:
Cashpoint®
OTH: Other
CR/DR: Credit/Debit PAY: Payment
CSH:
Cash
PSV: Paysave
CSQ:
Cash and
cheques
SAL: Salary
DD:
Direct Debit SO:
Standing
These terms add to and should be read with your Bank of Scotland Bank
Account Conditions.
About our Text Alerts.
In these terms, ‘you’ are the customer registered for our Text Alert Service. ‘We’ are Bank of Scotland plc. These terms are in addition to the terms of your account.
Our Mobile Text Alerting Service allows us to send you information about your personal current accounts and credit cards (including those in joint names) to your mobile phone.
Our range of Text Alerts.
Overseas Transaction Alert (Minimum Age 11).
When is it sent? When your debit card has been used to obtain cash, or authorise a payment outside the UK (excluding purchases made on websites, by telephone or mail order from overseas companies). These texts can be sent anytime, 24 hours a day, 7 days a week, although we will not send more than 3 alerts in any 24 hour period.
Important Information. You must have a Visa debit card on your account. Customers aged 11–15 must have an Under 19s or Expresscash account. We are usually notified by overseas banks/retailers when your card is used, but this may vary depending on the country where your card is used.
Limit Alerts
.If you register for Limit Alerts, we will send you both Near Limit and Over Limit Alerts. You can contact us to find out how much you may need to increase your available funds by.
Near Limit Alert (Minimum Age 16).
When is it sent? Once on the first day that you have less than £50 of available funds in your account. The text is sent before 10am UK time Mon–Fri (excluding Bank Holidays).
Over Limit Alert (Minimum Age 16).
When is it sent? Once each day that you do not have enough funds in your account for payments due out that day. These texts are sent before 10am UK time Mon–Fri (excluding Bank Holidays).
Important Information. If you do not have available funds in your account to meet your payments, you may incur charges. Please see your account terms and conditions for more details.
General.
Is there a charge for
Text Alerts? We don’t charge but your network operator may charge for some services (e.g. receiving Text Alerts abroad) so please check with them.
Can I register more than one mobile number for Text Alerts?
No. You can only register one mobile number for Text Alerts (which must be registered with a UK network operator). This will apply to all your personal accounts with us. Joint account holders can each register independently.
Key things to remember. Remember:
• they are designed for use in the UK. It may be unlawful to use or receive them in some countries. If it is, you should pause the alerts you receive.
• you are responsible for complying with local laws and for losses that result from you breaking them.
• you are responsible for making sure no-one has access to confidential information shown on or stored in your mobile phone.
• they are sent once and can’t be sent again.
• they are accurate when they are created by our systems. Funds available in your accounts may change before and after you receive them.
• you may not be able to access or receive them when we or our suppliers are repairing, updating and doing routine maintenance to systems used to provide this service.
• there may be a slight delay between registering for them and them becoming active on your account.
Liability. We will not be liable if Text Alerts are unavailable at any time, or if you do not receive an alert promptly or at all for reasons in your control (e.g. your phone is switched off, out of range or roaming, or has changed, been lost or stolen).
If we do not provide Text Alerts (other than as a result of reasons set out above), or we provide Text Alerts that are inaccurate, we will only be liable for charges on your account that you could otherwise have avoided paying.
Pausing Text Alerts. You can pause all Text Alerts for all your accounts online through Internet Banking or by calling
08457 21 31 41 or visiting us in branch. Cancelling registration. If you want to stop receiving Text Alerts:
• log in to Internet Banking to manage your choices.
• call 08457 21 31 41 or visit us in branch.
Can we change or end
this agreement? Yes. If we give you at least 60 days’ notice, we can change these terms and conditions, introduce or change charges, or end this agreement.
Security.
What do I do if I change my mobile number, or my phone is lost or stolen?
You must tell us immediately by logging in to Internet Banking and updating your details. If you are not registered for Internet Banking, call our helpdesk on 08457 21 31 41 (for UK accounts) If you fail to do so:
• you will not receive your Text Alerts.
• we will not be liable if someone else finds out your account information as a result of not updating us.
Other Information.
• All information we give you and all communications between us will be in English.
• These terms and conditions are governed by the law that applies to the account you are accessing (e.g. if English law applies to your account, English law will apply to your use of Text Alerts). The courts of that jurisdiction will also be able to deal with any legal questions connected with these terms.
• Third parties may impose other costs or taxes in connection with Text Alerts.
• We may choose not to enforce or rely on one or more of these terms at any time, but we reserve the right to start applying them again at any time.
• You may contact us about Text Alerts by calling 08457 21 31 41 (7am–10pm Mon–Fri, 9am–6pm Sat and Sun) or visiting any branch (if your account is held in the UK), or by calling +44 (0) 1313 374 218 (if your account is held with us outside the UK).
If you’d like this in another format such
as large print, Braille or audio please ask
in branch.
If you have a hearing or speech
impairment you can contact us using
Text Relay (previously Typetalk) or
Textphone on 0845 600 9644 or you
can call us on 0131 278 3690 if you
prefer not to use our 0845 number
(lines are open 9am-5.30pm, 7 days
a week). If you are Deaf you can use BSL
and the SignVideo service available at
www.bankofscotland.co.uk/accessibility/
signvideo
Important information.
Please note, although you can use Mobile Banking to give us instructions 24 hours a day, 7 days a week, some instructions, such as those given after 10pm or at weekends, cannot be processed until the next working day. Please speak to an adviser for more information. Cashpoint® is a registered trademark and is used under licence by Bank of Scotland plc.
We may monitor or record phone calls with you in case we need to check we have carried out your instructions correctly and to help improve our quality of service. If you need to call us from abroad, or prefer not to use our 0845 number, you can also call on +44 (0) 1313 374 218. Bank of Scotland plc. Registered in Scotland No. SC327000. Registered office: The Mound, Edinburgh EH1 1YZ.
Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.
