Changes to banking and shopping online

Make sure you are prepared

Later this year there will be industry wide changes that will affect the way you bank and shop online. These changes will enhance the security of your online banking and payments to help reduce fraud online.

You will see these changes when:

  • You log on to your Online For Business account
  • You perform certain actions within your Business Internet Banking account e.g. making a payment
  • You purchase something online

In future you will need two different ways to prove who you are. Your password and memorable information will count as one way. The other way could be using your Business Mobile App or your Card and Reader, or accessing your account from a trusted device.


You won’t be able to log on to your account, or shop online unless you are ready for this change.

Get ready now

  • Using your memorable information

    Each time you log on you are asked for three characters from your memorable information.

    If you haven’t set up your memorable information for Business Internet Banking you’ll be asked to do so when you next log on.

    Can’t remember what it is? Simply click ‘forgotten your logon details?’ on the Business Internet Banking log on page to reset.

    If you are already using your memorable information to log on there is nothing more you need to do.

    Remember, never share full memorable information online or over the phone.

  • The app is an easy, secure and quick way to prove it is you and complete your transactions. It has new features including fingerprint and face ID, cheque scanning and the ability to make payments including multiple payments.

    To download the app you will need to do the following:

    • Be registered for Business Internet Banking
    • Search 'Bank of Scotland Business'
    • Download from the App Store or get it from Google Play
  • There'll be times when we'll need to get in touch to check it's you buying something online. We'll do this by sending you a text message to your mobile phone number.

    To see all the phone numbers we hold please follow these steps:

    Step:1 Check your numbers by logging into the 'Your Details' section in Business Internet Banking
    Step 2: Click on 'Admin' on the top right hand side
    Step 3: Click on 'view or update your details'
    Step 4: Follow the instructions on your screen

    If you have both a personal and business account we'll use the same number for both. So it's important that the number you give can be used when buying something online with your personal and business accounts.

    To make sure we have the right mobile number for you simply fill in, print and send us the form.

    Update my details


  • If you don’t already have a Card and Reader, then it’s a good idea to get one. You’ll need to use either the app or a Card and Reader to complete some actions in Business Internet Banking. If you need to order a Card and Reader please follow the steps below:

    Step 1: Log on to your Online for Business account

    Step 2: Click on “Admin” on the top right hand side

    Step 3: Click on “order additional card reader”

    Step 4: Follow the instructions on your screen

  • Update your browser

    It is recommended that you always have the latest browser on your devices to increase your security online and help protect you from fraud.

    Updating your browser regularly means that when you access websites you’ll always be able to take advantage of:

    • Up-to-date browser security features – Stay safe online and have peace of mind that you’re being protected by the latest security features.
    • A better online experience – Websites will look better and perform faster, and you’ll be able to use the latest features and tools they have to offer.
    • Screen reader support – The latest browsers make it easier for newer screen readers to handle web technologies, such as JavaScript. If you have JavaScript turned off because it interferes with your screen reader, make sure your browser is up-to-date and try updating your screen reader or using another, such as the free tool NVDA

    Update your browser by clicking through on the links below and following the instructions.

    Safari (Apple devices only)
    Edge (Windows 10 only)
    Internet Explorer

    If you choose not to upgrade your browser, there will be parts of our sites that you won’t be able to use. For example, our Internet Banking service isn’t supported in Internet Explorer 6 and 7. You will also find it harder to use some calculators and tools.

    Trust your device

    If you regularly use the same computer, laptop, mobile, tablet or mobile to log on, then we may ask if you trust your device.

    If you trust your device it makes logging on faster, as next time you log on we’ll know it’s you and not someone else.

    You should only trust computers, laptops, tablets and mobile browsers that are privately used by you.

    You shouldn’t trust a device if you share it with someone you don’t know, or if you’re on a public network.