Online Banking Support
Help when you need it
We appreciate how important it is in a business environment for you to have accurate, up to date information at your fingertips, and we understand how frustrating it can be when you have a problem.
With this in mind, we've made Business Internet Banking easier to use.
Each screen has a 'More Info' link which will provide help specific to that screen. You can also access the main Help index from every screen by clicking on the Help button on the main toolbar.
You can contact our Business Internet Banking Helpdesk on 0345 300 2924 (+44 (0)131 339 8620 from overseas).
Lines are open Monday – Friday 7am – 8pm and Saturday, 9am – 2pm. This is excluding bank holidays.
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Why can't I log into my Internet Banking?
There could be a number of reasons for you not being able to log on to your Business Internet Banking account:
- You may have not received your card and card reader yet. If you just applied your card and reader should be with you soon. If you don’t receive it after 5 days have passed please give our Helpdesk a call on 0345 300 2924 (+44 (0)131 339 8620 from overseas).
- You are inputting the wrong password. Forgot your password.
- You are inputting the wrong user name. Forgot your user name.
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What should I do if I've forgotten my password?
Please follow the instructions on the following page: Forgot your password.
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Are there any online payment limits per account?
As the table below highlights, online payments depend on the amount of money available in your account.
Transaction Limit
Account Daily Limit
Internal Funds Transfer (same name account)
Transaction Limit
£250,000
Account Daily Limit
No Limit
Internal Funds Transfer (third party)
Transaction Limit
£99,999
Account Daily Limit
£250,000
Bill Payments
Transaction Limit
£99,999
Account Daily Limit
£250,000
Faster Payments
Transaction Limit
£25,000
Account Daily Limit
£250,000
Internal Standing Order
Transaction Limit
£99,999
Account Daily Limit
£250,000
External Standing Order
Transaction Limit
£99,999
Account Daily Limit
£250,000
International Payment
Transaction Limit
£75,000
Account Daily Limit
£75,000
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How do I make payments to 3rd parties/ other companies?
To pay another person, company or non-Bank of Scotland account, use the 'Make a payment' button to the right of each account name on 'Your accounts' page. Or select the 'Payments' tab on an account's statement page. From this tab, you can:
- View pending payments and change or cancel them.
- View recipients that you've added in the past; make a payment to them; or delete them from your list.
- Add a recipient to your list.
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Can I see pending transactions?
When you log in to Online for Business, you will be able to see them by clicking on 'Pending debit card transactions and cheques being processed' on your account statement page.
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How do I change my business address?
Visit Help and Support to find out how to change your business address.
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How secure is Business Internet Banking?
Online fraud costs UK banks and their customers tens of millions of pounds each year. Fraudsters are making full use of new technology such as spyware and malware to hijack customers' online banking sessions. To make our Online for Business as secure as possible we have introduced card reader technology when you bank online with us.
For your safety - We will only ever ask you to generate an access code using the 'Sign' function to authorise a payment that you have initiated. Any requests to use 'Identify, Respond or Sign' on your card reader when not carrying out this activity should be treated as a potential fraud attack. When we prompt you to use the 'Sign' function, we always ask you to confirm your PIN, the destination account number and the full payment amount as well. You will never be contacted by the bank phone to "reconfigure" or "resynchronize" your Card & Reader.
If in any doubt, terminate your on-line session and call us immediately on 0345 300 2924 (+44 131 339 8620 from overseas). Lines are open Monday – Friday 7am – 8pm and Saturday, 9am – 2pm. This is excluding bank holidays. As usual, please make sure nobody is watching you whenever you enter your PIN into the card reader, or when entering passcodes into the Internet Banking screens. We will never call you to ask for any Identify, Respond or Sign codes from your card and reader.
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How do I use my card reader?
Using a card reader makes your online business banking as secure as possible and reduces the risk of a fraud attack. The additional levels of security the card reader brings will also allow us to offer other online business related services in the future. Refer to the card reader FAQs for more information.
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Do I need a card reader to make payments?
To make a payment to a new beneficiary you will be required to use your card reader for verification. To make a payment to an existing beneficiary you can simply use your password that you use for login.
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What is the Respond function?
The Respond key on a card reader is used for setting up or amending a new beneficiary or a standing order. Please follow the on screen instructions to generate a passcode.
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How do I unlock my card reader?
You can unlock your card reader at any branch. Alternatively, call our Internet Banking helpline on 0345 300 2924. In both cases, you'll be taken through some security questions so that we can verify your identity. Please ensure you have relevant documentation to proceed with these checks.
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How do I reset my password?
Go to the log on page and click on 'Forgotten password?' You'll be taken through some security questions so that we can verify your identity. Once your details have been confirmed, you can reset your password. Please note that you will need your card and card reader for this.
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How do I retrieve my username?
Go to the log on page and click on 'Forgotten your User ID?' You'll be taken through some security questions so that we can verify your identity. Once your details have been confirmed, your User ID will be displayed on screen.
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Can I change my username?
If you have a Bank of Scotland Internet Banking account then you are able to change your username as it is the same for both your personal and Online for Business accounts. You are able to change your personal Internet Banking account username which will also be applied to you Online for Business account, hence changing your username. Find out more about how to change your personal Internet Banking account username.