Find out more
You are on Business
Bank of Scotland Secure provides you with extra security for your online transactions. It is not designed to verify the quality or fitness for purpose of websites or the goods or services ordered. As always, customers need to satisfy themselves that they are dealing with reputable retailers. Please read these conditions carefully before deciding whether to accept them. These should be read in conjunction with any other terms and conditions specific to your Account.
Account means any account you hold on which a Bank of Scotland credit, debit or charge card has been issued.
Identity Details means the personal information which we use to verify that you are the holder of a Bank of Scotland Account.
Security Codes means card information, memorable information or other information we use to check your identify.
We, us and our means Bank of Scotland.
You, your and yours means the person who has entered into this agreement with us.
When you use Bank of Scotland Secure, both these conditions and your Account conditions will apply. If they contradict each other, the relevant condition in your Account conditions will apply.
All Bank of Scotland Card accounts participate in this service. It is not a requirement to register for the service prior to using your card online. The service will assess each transaction and will only be invoked in situations where authentication is required due to the assessed risk of the transaction.
When making a purchase online and authentication is required, you will see a pop up in a new window. You will then be asked to complete some security questions to authenticate your identity. When you have successfully completed the security questions your purchase will be processed.
In a small percentage of high risk transactions the authentication process may not be invoked and the authentication request maybe denied. Should this occur contact numbers to our Fraud Contact Centre will be provided to allow genuine transactions to proceed.
Some software may not allow pop-ups. If you have this software installed you must disable it or change the settings to allow pop-ups for Bank of Scotland.
For further details about how we use your personal information please see your Bank of Scotland terms and conditions specific to your Account.
We may change these conditions for any reason by sending written notice to any address you provide us (including your e-mail address) or by publishing the change on our web site. If you change your address (including your e-mail address) you must notify us immediately to ensure that our records are up to date.
Bank of Scotland Secure may be amended or terminated, either temporarily or permanently, without notice where the amendment or termination has been required by Visa International Services Association or MasterCard® International which runs the payment systems for the cards used with your Account.
Unless you are a victim of fraud, you are responsible for all instructions sent using your Security Codes and we are entitled to assume we are dealing with you and will:
act on (and you will be bound by) all instructions;
You must not:
We may end the service immediately if you close your Account/s or you no longer have any cards registered for the service or, by telling you personally and giving you 30 days notice.
We may also suspend or end the service immediately or decline to follow an instruction if we think:
If we do take action, we will act in a manner we reasonably think is proportionate in the circumstances and will tell you before doing so, if we can reasonably do so.
You can usually use the service at any time but repairs, updates and routine maintenance to our systems and those of our suppliers mean the service may be slow or unavailable from time to time. We will not be liable if the service is unavailable at any time for these reasons.
This service and these conditions are governed by English law. Any disputes arising from this site shall be resolved by the English courts, unless you can show you accessed the site from Scotland in which case the Scottish courts may be used.
Please remember that email is not a completely secure means of communication: it may be possible for others to intercept and read your messages. So if you choose to send us information by email, it is at your own risk.
If you have a question about the Service, please call the number on the back of your card. Calls may be recorded and monitored.
Existing customers0345 300 0268
New customers0345 606 0286
Lost or stolen cards
Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.
Please note that any data sent via e-mail is not secure and could be read by others.
Bank of Scotland plc Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000.
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 169628.
We subscribe to The Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.
The Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. More information on the Lloyds Banking Group can be found at lloydsbankinggroup.com.
This site is intended for UK residents unless otherwise stated.
© Bank of Scotland plc 2015. All rights reserved
Find your way
Products and services
Banking with us
About Bank of Scotland
About this site
If you would like to find out more about our products and services please call us on
0345 606 0286
If you have a business account with us, and would like to talk to a member of our business management team, please call
0345 300 0268
Find us on Linkedin
Keep up to date with the latest from Bank of Scotland business.
Follow us on Twitter
Receive news and product updates.