Accessibility statement [Accesskey '0']
Skip to Content [Accesskey 'S']
Skip to site Navigation [Accesskey 'N']
Go to Home page [Accesskey '1']
Go to Sitemap [Accesskey '2']

Bank of Scotland logo

Search

Personal
Business
Private Banking

Bank of Scotland logo

Search
Register for internet banking
Help and support for business banking
Login to your online banking

Online Banking

Business Internet Banking

Commercial Banking Online

About Internet Banking

Products and services
- Business accounts
  Products
  
  View all business accounts
  
  Accounts for start-up and small businesses
  
  Switch your business account
  
  Account for larger businesses
  
  Community accounts
  
  Client accounts
  
  Existing Customers
  
  Manage account access
  
  Help & Support
  
  Business Debit Card
  
  Business Key Card
  
  Overdraft
  
  Find out more
  
  Starting a business
  
  Writing your business plan
  
  Statements for closed accounts
  
  Help with bereavement
  
  Accessibility and disability
- Savings
  Products
  
  View all savings accounts
  
  Instant Access Account
  
  Fixed Term Deposit
  
  Notice accounts
  
  Client accounts
  
  Existing customers
  
  Manage your savings accounts
  
  Useful forms
  
  Find out more about
  
  Manage returns on your savings
  
  Financial Services Compensation Scheme
  
  Savings Strategy Tool
  
  Accessibility and disability
- Making payments
  Products
  
  View all payment services
  
  International payments
  
  Bulk Payments
  
  Bacs Payments
  
  Existing Customers
  
  Faster Payments
- Take payments with Cardnet®
  
  Secondary Navigation 'Take payments with Cardnet®' links to /content/bos/en-gb/business/payment-services/cardnet
- Accounting software
  Products
  
  View our accounting software
  
  Trial it free for 3 months
  
  Existing customers
  
  Log on to Business Finance Assistant
  
  Get more from Business Finance Assistant
- Credit and Charge Cards
  Products
  
  Credit Card
  
  Charge Card
  
  Existing customers
  
  Debit Card
  
  Key Card
  
  Lost or stolen cards
  
  Bank of Scotland Secure
  
  Bank of Scotland Secure Faqs
  
  Bank of Scotland Secure Terms Of Use
  
  Find out more
  
  Why use a business card
  
  Merchant Services
- Business Loans
  Products
  
  View all Business Loans
  
  Small business loans
  
  Commercial Mortgages
  
  Government-backed lending schemes
  
  Find out more
  
  Managing interest rate risk
  
  Finance application checklist
  
  Lending process
  
  Lending appeals
  
  Lending support and standards
  
  Ranking agreement
- Asset Finance
  Products
  
  View all asset finance products
  
  Vehicle Contract Hire
  
  Apply or enquire about asset finance
- Overdrafts
  Products
  
  Business Overdraft
  
  Find out more
  
  Finance application checklist
  
  Lending process
  
  Lending appeals
  
  Lending support and standards
  
  Ranking agreement
- Invoice Finance
  Products
  
  View finance liquidity products
- International trade
  Products
  
  View all international products
  
  Import and export products
  
  International Payments
  
  Foreign exchange
  
  Currency accounts
  
  Find out more
  
  International Business
  
  Making international payments
  
  Managing international-trade risk
  
  Exporting: Why and how?
  
  Importing
  
  Product Selector
  
  International Rates and Charges
- Insurance
  Products
  
  View all business insurance products
  
  Public Liability Insurance
  
  Landlord Insurance
  
  Professional Indemnity Insurance
  
  Shop Insurance
  
  Find out more
  
  Insurance contact directory
Corporate solutions
- COVID-19 help and support
  
  Secondary Navigation 'COVID-19 help and support' links to /content/bos/en-gb/business/business-home/coronavirus.html
- Sustainability
  Financing a sustainable future
  
  View all sustainable business solutions
  
  Clean growth financing
  
  Energy-efficiency tool
  
  Lex Autolease® electric vehicles
  
  Find out more
  
  Sustainability Voices: Valuable Insights & Expert Opinion
- Working capital
  Managing operating finance
  
  View all working capital solutions
  
  Release funds against assets
  
  Trade and working capital solutions
  
  Supplier finance
  
  Overdraft
  
  Corporate card solutions
- Financing
  Funding growth
  
  View all financing solutions
  
  Lending
  
  Clean Growth Financial Initiative
  
  Capital markets
  
  Corporate Asset Finance
  
  Fleet Finance - Lex Autolease®
  
  Private Equity
  
  Specialist finance teams
  
  Our specialist finance teams
- Liquidity & accounts
  Cash deposits & liquidity management
  
  View all liquidity solutions
  
  Fixed Term Deposit
  
  Corporate Instant Access Account
  
  Notice Accounts
  
  Monthly Bonus Account
  
  Pooling and Sweeping
- Risk management
  Solutions
  
  View all risk management solutions
  
  Managing the cost borrowing
  
  Managing currency fluctuations
  
  Managing price moves
  
  Trade risk
  
  Debtor Protection
  
  Financial risk advisory
  
  Corporate cards
- Cash management
  Solutions
  
  View all cash management solutions
  
  Current accounts
  
  Payment solutions and cash sales
  
  Card solutions
  
  Client money channels
  
  Foreign exchange
  
  Online services
- Card solutions
  
  Secondary Navigation 'Card solutions' links to /content/bos/en-gb/business/corporate-banking/working-capital/corporate-cards
- Payments
  Making & Receiving Payments
  
  View all payment solutions
  
  Domestic payments
  
  International payments
  
  Online services and API solutions
- International trade
  Solutions
  
  View all international trade solutions
  
  Importing and exporting
  
  International cash management
  
  Trading in China
  
  Find out more
  
  International Trade Portal
  
  Risk management
- Contact us
  
  Secondary Navigation 'Contact us' links to /content/bos/en-gb/business/25m-plus-turnover/contact-us.html
- Online services
  Online services
  
  Arena
  
  Commercial Banking Online
  
  Commercial Cards Internet Servicing CCIS
- Commercial terms
  Home
  
  About your account
  
  Interest rates and charges
  
  Core Banking Agreement
Industry expertise
- Sectors
  Agriculture
  
  Charities
  
  Education
  
  Healthcare
  
  Introducers
  
  Manufacturing
  
  Real Estate & Housing
  
  Professional services
- Backing Scottish business
  
  Secondary Navigation 'Backing Scottish business' links to /content/bos/en-gb/business/25m-plus-turnover/regional-expertise
- Corporate sectors (£100m+ turnover)
  Consumer & technology
  
  Financial services
  
  Infrastructure, Energy & Industrials
  
  Real Estate & Housing
  
  Services & public sector
  
  Sustainability and ESG Financing
  
  Sponsors & structured finance
- Contact us
  
  Secondary Navigation 'Contact us' links to /content/bos/en-gb/business/25m-plus-turnover/contact-us
- Financial services
  
  Secondary Navigation 'Financial services' links to /content/bos/en-gb/business/25m-plus-turnover/specialist-teams/financial-services
- Commercial Finance Brokers
  
  Secondary Navigation 'Commercial Finance Brokers' links to /content/bos/en-gb/business/industry-specialists/introducers
- Franchising
  
  Secondary Navigation 'Franchising' links to /content/bos/en-gb/business/industry-specialists/franchising
Business Resource Centre
- Managing business costs and uncertainty
  Managing business costs and uncertainty
  
  Inflation, costs and cash flow
  
  Financial worries support
  
  Build mental resilience
  
  Business change
- Build mental resilience
  
  Secondary Navigation 'Build mental resilience' links to /content/bos/en-gb/business/managing-business-costs/mental-resilience
- Sustainability
  Visit our sustainable business hub
  
  From Now to Net Zero: A Practical guide for SMEs
  
  Sustainability Voices: Valuable Insights & Expert Opinion
- Supporting Black-owned businesses
  
  Secondary Navigation 'Supporting Black-owned businesses' links to /content/bos/en-gb/business/business-resource-centre/guidance/supporting-black-owned-businesses
- Insights and ideas
  
  Secondary Navigation 'Insights and ideas' links to /content/bos/en-gb/business/business-resource-centre/insights-and-ideas
- Business guidance
  Starting a business
  
  Managing a business
  
  International business
  
  Digital Knowhow
  
  Fraud prevention
  
  Cyber risk
  
  Yes Business Can entrepreneur guide
- Case studies
  
  Secondary Navigation 'Case studies' links to /content/bos/en-gb/business/business-resource-centre/case-studies
Online Banking
- Business Internet Banking
  Business Internet Banking
  
  How to register
  
  Mobile banking
  
  What you can do online
  
  Online payment control
  
  Extra security checks when you bank and shop online
  
  Help and guidance
  
  How to log in
  
  Manage access to Business Internet Banking
  
  Deposit cheques
  
  Help & Support
- Commercial Banking Online
  
  Secondary Navigation 'Commercial Banking Online' links to /content/bos/en-gb/business/25m-plus-turnover/online-services/commercial-banking-online
- Accounting software
  
  Secondary Navigation 'Accounting software' links to /content/bos/en-gb/business/accounting-software
- Arena
  
  Secondary Navigation 'Arena' links to /content/bos/en-gb/business/international/arena
- Banking online services
  
  Secondary Navigation 'Banking online services' links to /content/bos/en-gb/business/online-banking
- Alternative ways to bank
  
  Secondary Navigation 'Alternative ways to bank' links to /content/bos/en-gb/business/online-banking/alternative-ways-to-bank

Products and services click to go to sub menu of Products and services
Corporate solutions click to go to sub menu of Corporate solutions
Industry expertise click to go to sub menu of Industry expertise
Business Resource Centre click to go to sub menu of Business Resource Centre
Online Banking click to go to sub menu of Online Banking

Business accounts Business accounts collapsed
Products

View all business accounts

Accounts for start-up and small businesses

Switch your business account

Account for larger businesses

Community accounts

Client accounts

Existing Customers

Manage account access

Help & Support

Business Debit Card

Business Key Card

Overdraft

Find out more

Starting a business

Writing your business plan

Statements for closed accounts

Help with bereavement

Accessibility and disability
Savings Savings collapsed
Products

View all savings accounts

Instant Access Account

Fixed Term Deposit

Notice accounts

Client accounts

Existing customers

Manage your savings accounts

Useful forms

Find out more about

Manage returns on your savings

Financial Services Compensation Scheme

Savings Strategy Tool

Accessibility and disability
Making payments Making payments collapsed
Products

View all payment services

International payments

Bulk Payments

Bacs Payments

Existing Customers

Faster Payments
Take payments with Cardnet®
Accounting software Accounting software collapsed
Products

View our accounting software

Trial it free for 3 months

Existing customers

Log on to Business Finance Assistant

Get more from Business Finance Assistant
Credit and Charge Cards Credit and Charge Cards collapsed
Products

Credit Card

Charge Card

Existing customers

Debit Card

Key Card

Lost or stolen cards

Bank of Scotland Secure

Bank of Scotland Secure Faqs

Bank of Scotland Secure Terms Of Use

Find out more

Why use a business card

Merchant Services
Business Loans Business Loans collapsed
Products

View all Business Loans

Small business loans

Commercial Mortgages

Government-backed lending schemes

Find out more

Managing interest rate risk

Finance application checklist

Lending process

Lending appeals

Lending support and standards

Ranking agreement
Asset Finance Asset Finance collapsed
Products

View all asset finance products

Vehicle Contract Hire

Apply or enquire about asset finance
Overdrafts Overdrafts collapsed
Products

Business Overdraft

Find out more

Finance application checklist

Lending process

Lending appeals

Lending support and standards

Ranking agreement
Invoice Finance Invoice Finance collapsed
Products

View finance liquidity products
International trade International trade collapsed
Products

View all international products

Import and export products

International Payments

Foreign exchange

Currency accounts

Find out more

International Business

Making international payments

Managing international-trade risk

Exporting: Why and how?

Importing

Product Selector

International Rates and Charges
Insurance Insurance collapsed
Products

View all business insurance products

Public Liability Insurance

Landlord Insurance

Professional Indemnity Insurance

Shop Insurance

Find out more

Insurance contact directory

COVID-19 help and support
Sustainability Sustainability collapsed
Financing a sustainable future

View all sustainable business solutions

Clean growth financing

Energy-efficiency tool

Lex Autolease® electric vehicles

Find out more

Sustainability Voices: Valuable Insights & Expert Opinion
Working capital Working capital collapsed
Managing operating finance

View all working capital solutions

Release funds against assets

Trade and working capital solutions

Supplier finance

Overdraft

Corporate card solutions
Financing Financing collapsed
Funding growth

View all financing solutions

Lending

Clean Growth Financial Initiative

Capital markets

Corporate Asset Finance

Fleet Finance - Lex Autolease®

Private Equity

Specialist finance teams

Our specialist finance teams
Liquidity & accounts Liquidity & accounts collapsed
Cash deposits & liquidity management

View all liquidity solutions

Fixed Term Deposit

Corporate Instant Access Account

Notice Accounts

Monthly Bonus Account

Pooling and Sweeping
Risk management Risk management collapsed
Solutions

View all risk management solutions

Managing the cost borrowing

Managing currency fluctuations

Managing price moves

Trade risk

Debtor Protection

Financial risk advisory

Corporate cards
Cash management Cash management collapsed
Solutions

View all cash management solutions

Current accounts

Payment solutions and cash sales

Card solutions

Client money channels

Foreign exchange

Online services
Card solutions
Payments Payments collapsed
Making & Receiving Payments

View all payment solutions

Domestic payments

International payments

Online services and API solutions
International trade International trade collapsed
Solutions

View all international trade solutions

Importing and exporting

International cash management

Trading in China

Find out more

International Trade Portal

Risk management
Contact us
Online services Online services collapsed
Online services

Arena

Commercial Banking Online

Commercial Cards Internet Servicing CCIS
Commercial terms Commercial terms collapsed
Home

About your account

Interest rates and charges

Core Banking Agreement

Sectors Sectors collapsed
Agriculture

Charities

Education

Healthcare

Introducers

Manufacturing

Real Estate & Housing

Professional services
Backing Scottish business
Corporate sectors (£100m+ turnover) Corporate sectors (£100m+ turnover) collapsed
Consumer & technology

Financial services

Infrastructure, Energy & Industrials

Real Estate & Housing

Services & public sector

Sustainability and ESG Financing

Sponsors & structured finance
Contact us
Financial services
Commercial Finance Brokers
Franchising

Managing business costs and uncertainty Managing business costs and uncertainty collapsed
Managing business costs and uncertainty

Inflation, costs and cash flow

Financial worries support

Build mental resilience

Business change
Build mental resilience
Sustainability Sustainability collapsed
Visit our sustainable business hub

From Now to Net Zero: A Practical guide for SMEs

Sustainability Voices: Valuable Insights & Expert Opinion
Supporting Black-owned businesses
Insights and ideas
Business guidance Business guidance collapsed
Starting a business

Managing a business

International business

Digital Knowhow

Fraud prevention

Cyber risk

Yes Business Can entrepreneur guide
Case studies

Business Internet Banking Business Internet Banking collapsed
Business Internet Banking

How to register

Mobile banking

What you can do online

Online payment control

Extra security checks when you bank and shop online

Help and guidance

How to log in

Manage access to Business Internet Banking

Deposit cheques

Help & Support
Commercial Banking Online
Accounting software
Arena
Banking online services
Alternative ways to bank

Home
...
Corporate Solutions
Liquidity & accounts
Sweeping and pooling

Sweeping and pooling

Sweeping

Link two or more accounts of the same currency and set balance threshold requirements for them. Through automated end-of-day transactions, accounts will be funded or de-funded (from, or to, the associated account in the structure) according to the target balance stipulated.

Read the Sweeping Product Factsheet (PDF, 156KB) PDF opens in new window

Pooling

Notionally offset multiple, same-currency, account balances in order to generate interest fees savings which would otherwise be applied to overdrawn positions. Interest is applied on the net balance of the group of accounts, without any actual movement of funds between them.

Read the Pooling Product Factsheet(PDF, 136KB) PDF opens in new window

Speak to a relationship manager

To get you to the right person, we need to ask you a few questions.

Click here for an accessible version.

Contact us now

What is your annual business turnover?

£0m-£3m

£3m-£25m

£25m-£100m

£100m+

Are you a new or existing Bank of Scotland client?

New client

Existing client

< Back

Do you require lending?

Yes (Greater than £150,000)

Yes (Less than £150,000)

No

< Back

Talk to a specialist

One of our team members will contact you to discuss how we can support your business.

Start enquiry form

< Back

I would like to:

Explore loans

< Back

I would like to:

Open an account

Explore products & services

< Back

I would like to:

Explore products and services

Get help and support

< Back

Talk to a specialist

One of our team members will contact you to discuss how we can support your business.

Start enquiry form

< Back

Are you an education, charity or government organisation?

No

Yes

< Back

Contact Gemma Hales

Regional Performance Manager, Scotland

< Back

Contact Dene Jones

Head of Education, Charities and Government.

< Back

What is your sector?

Consumer & Technology

Financial Services

Infrastructure, Energy & Industrials

Real Estate and Housing

Services & Public Sector

Sponsors & Structured Finance

Sustainability and ESG Financing

Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

Contact Darren Flynn

Regional Head of Scotland, Corporate and Institutional Coverage.

< Back

Important legal information

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 adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: 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.

Lloyds Banking Group is a financial services group that incorporates a number of brands including Bank of Scotland. More information on Lloyds Banking Group can be found at lloydsbankinggroup.com.

© Bank of Scotland plc 2023. All rights reserved

Print

Existing customers

Help and support details
Contact us

Bank with us

Find a branch
Terms and conditions
Legal and regulatory

About Bank of Scotland

Our credentials
Lloyds Banking Group
Careers

Find out how we work with the FSCS to protect your deposits.

Legal information Privacy Security Cookies Accessibility Sitemap Modern Slavery Statement (PDF, 761 KB) PDF opens in new window

Visit the Bank of Scotland Facebook page. Opens in a new browser window.

Visit the Bank of Scotland Linkedin page. Opens in a new browser window.

Visit the Bank of Scotland Twitter page. Opens in a new browser window.