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?

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Need help with your card reader?

Need help with your card reader?

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Do you need help logging in?

Do you need help logging in?

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Download the business banking app

Download the business banking app

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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 User ID – we posted or emailed this to you.
    • Temporary password – you should have got this by post or email.
    • Your mobile phone with the number you gave us when you registered.
    • If you use personal internet banking with Bank of Scotland, you can use your existing User ID 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 on the 'Start activation' link.
    5. Answer the questions that come up.

    How to log in with card, reader and PIN

    1. Go to the Business Internet Banking log in page.
    2. Enter your User ID (if you already have internet banking, use your personal User ID and password; otherwise, call 0345 300 2924 if it doesn’t match).
    3. Enter the temporary password we texted you and create your own password.
    4. Create your memorable information (used for identification when you log in).
    5. Use your card and reader: Check that the last five numbers of the card match the log in the screen. Press ‘identify’ on the card reader. Enter the PIN we sent by mail and select ‘Enter’.
    6. Enter the eight-digit number from the card reader into the login page and press ‘Continue’.

    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 User ID – we either posted or emailed it to you.
  • Your card reader – we sent it to you.
  • Authentication card – we posted it to you. 
  • PIN – we posted it to you.
  • Temporary password – we texted it to you.

You must have all the above before you continue, unless you use personal internet banking with Bank of Scotland. If you already use internet banking with a personal account, you can complete steps one and two, then go straight to step five.

How to log in with card, reader and PIN

  1. Go to the Business Internet Banking log in page.
  2. Enter your User ID (if you already have internet banking, use your personal User ID and password; otherwise, call 0345 300 2924 if it doesn’t match).
  3. Enter the temporary password we texted you and create your own password.
  4. Create your memorable information (used for identification when you log in).
  5. Use your card and reader: check that the last five numbers of the card match the log in screen.  Press ‘identify’ on the card reader.  Enter the PIN we sent by post and select ‘Enter’.
  6. Enter the eight-digit number from the card reader into the log in page and press ‘Continue’.

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.

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

Still need help?

Lines are open Monday to Friday, 7am to 8pm, and Saturday 9am to 2pm. This excludes bank holidays.

Call us on
0345 300 2924

From abroad call
(+44) 131 339 8620

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