First time log in to Business Internet Banking

Welcome to Business Internet Banking. How you log in the first time depends on how you registered. If you need help and are an existing customer, please select an option below.

Not registered for Business Internet Banking?

Not registered for Business Internet Banking?

Register now

Need help with your card reader?

Need help with your card reader?

Card reader support

Do you need help logging in?

Do you need help logging in?

Login support

Download the business banking app

Download the business banking app

Get started with the app

First time login

Follow the steps for your registration method to log in to Business internet Banking for the first time.

  • Before you start, you’ll need:

    • Your username – we posted or emailed this to you.
    • Your mobile phone with the number you gave us when you registered.
    • If you already have Business Internet Banking with Bank of Scotland, you can use your existing username and password.

    We’ll send you a card, card reader and a PIN by post. Once received, follow the ‘Using your card reader for the first time’ steps below.

    How to log in for the first time

    1. Go to the Product Hub by clicking the link in the email we sent you.  It's called 'Welcome to Business Internet Banking’.
    2. Put in your email address.
    3. We'll send you an email and a text with a one-time passcode in them.  Put these into the screen.
    4. Select the 'Start activation' link.
    5. Follow all the steps that come up.
    6. Go to Business Internet Banking log in page and log in.

    How to log in with card, reader and PIN

    If you already use online banking with another Bank of Scotland Business account, you can complete steps one and two, then go to step five.

    1. Go to the Business Internet Banking login page.
    2. Enter your username (if you already use online banking, use your existing Business username; if we’ve sent you a different one, call 0345 300 2924).
    3. You may be asked for your temporary password, and then you will need to create your own password.
    4. Create your memorable information (used for identification when you log in).
    5. Use your card and reader: check the last 5 digits of the card match those on the login screen. Insert your card and press ‘Identify’. Enter the PIN we sent, and press ‘Enter’.
    6. Enter the 8-digit number from the card reader into the login page and press ‘Continue’.  If it doesn’t work first time, repeat steps 5 and 6.

    Using your card reader

    We’ll ask you to use your card reader in three ways when you’re online:

    • To help confirm your identity
    • When setting up new recipients
    • When making a first payment to a new recipient.

    We’ll tell you each time you need to use it with simple on-screen instructions. It doesn’t hold any personal information about you.

    You don’t need to connect it to a computer.

Before you start, you’ll need:

  • Your username – we either posted or emailed it to you.
  • Your card reader – we posted it to you (it can take up to 10 working days to arrive).
  • Authentication card – we posted it to you. 
  • PIN – we posted it to you.

If you already use online banking with another Bank of Scotland Business account, you should use the same login details for the new business.

How to log in with card, reader and PIN

If you already use online banking with another Bank of Scotland Business account, you can complete steps one and two, then go to step five.

  1. Go to the Business Internet Banking login page.
  2. Enter your username (if you already use online banking, use your existing Business username; if we’ve sent you a different one, call 0345 300 2924).
  3. You may be asked for your temporary password, and then you will need to create your own password.
  4. Create your memorable information (used for identification when you log in).
  5. Use your card and reader: check the last 5 digits of the card match those on the login screen. Insert your card and press ‘Identify’. Enter the PIN we sent, and press ‘Enter’.
  6. Enter the 8-digit number from the card reader into the login page and press ‘Continue’.  If it doesn’t work first time, repeat steps 5 and 6.

Using your card reader

We’ll ask you to use your card reader in three ways when you’re online:

  • To help confirm your identity, you’ll need to use the ‘Identify’ function.
  • When setting up new recipients, you’ll need to use the 'Respond‘ function.
  • When making a first payment to a new recipient you’ll need to use the ‘Sign' function

We’ll tell you each time you need to use it with simple on-screen instructions. It doesn’t hold any personal information about you, and you don’t need to connect it to a computer.

A new way to log in: Passkeys

We’re introducing passkeys as a new way to log in to Business Internet Banking. They’re being rolled out gradually, so you may not see this option straight away. We’ll let you know as soon as it’s available for you.
 

With a passkey, you can log in quickly and securely without needing your card and reader.
 

You’ll still need your password or card reader for some tasks, such as payments and setting up the mobile app.
 

We are starting with Windows devices and will roll out to other device types in the future.

 

Why use a passkey?

Quicker access

Log in in seconds using your face, fingerprint or device PIN.

No card and reader

Access your accounts where you are, without extra devices

Simple to use

No codes to enter and nothing to remember

Secure by design

Your passkey stays on your device, helping to protect you from fraud

Getting started

We’ll invite you to set up a passkey when it’s available to you.

When you’ll use a passkey

Once you have enrolled for a passkey, you’ll be asked to log in to Business Internet Banking using your face, fingerprint or device PIN.

 

We’ll be rolling out passkeys for other tasks and will let you know when this is available.

Security

For your safety

We’ll never call you to ask for your card reader or request any codes generated by it. You should never share any codes or PINs with anyone.

Make sure no one is watching you when you enter your PIN into the card reader or when you input passcodes into the Business Internet Banking screens.

Your card reader creates a new passcode each time you use it. This means you won’t need to remember or write any of them down.

Trusting the browser on your device

When you use Business Internet Banking for a while, we'll ask you to trust the browser on your device. This feature improves security and makes logging in faster.

You'll only need to enter some characters from your memorable information. You won't need to use your card and reader.

But this trusted status won't apply to other devices. You'll need to agree to this on each device you use.

First-time log in FAQs

Was this helpful?

Yes
No