Manage access to Business Internet Banking

How to choose the level of access for each user

With Business Internet Banking you can choose who has access to your accounts and what level of access they have. This lets you easily add business partners and employees with peace of mind.

When you register for Business Internet Banking we’ll ask if you’re  an account signatory for the business – this will determine the access level you apply for. An account signatory is someone who can make decisions and sign for things on behalf of the business.

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Levels of user access

Full Access User

We’ll set you up as a Full Access User if you’re a Full Power Signatory. This lets you:

  • apply for products such as loans and overdrafts
  • set up new account users and payment controls
  • make changes to the account, like updating the business address or phone number
  • request and authorise non-payment service tasks online.

For a full list of actions, check out What You Can Do Online.

Delegate User

This lets you do everyday tasks like making payments, talking to us about your business, and performing similar actions to a Full Access User. There are some features you can’t use, such as setting up online payment control, making a bulk payment limit request or requesting and authorising non-payment service tasks online.

Also, you can’t apply for financial products like loans or overdrafts.

View-Only User

Users can log in to Business Internet Banking to check account balances, recent transactions and download previous statements, but they can’t carry out any actions. This level of access is ideal for admin or accounting.

Changing user access levels

You can manage the user access levels on your account using our Make a change form. Bear in mind, we'll need approval for any changes you make from the signatories on your mandate. Below are some of the changes you can make:

  • Amend access – select the right level of access for each user. You can also add or remove online access to specific accounts and cards.
  • Remove users – if someone’s changed role or left your company, you can remove their access.
  • And – update the signatories on your business mandate,  mailing address and signing instructions.

If you’d like to register a new user for access to Business Internet Banking, please complete our online registration form.

Things to consider…

  • Only existing signatories on your business can register as Full Access Users online. 
  • A Full Access User can apply for products and make changes to your account without approval from other users. If someone doesn’t need to do this, they should be given Delegate or View-Only Access.
  • Full Access and Delegate Users can make payments online without approval from other users. If you want online payments to require the approval of multiple users, you should consider setting up Online Payment Controls. View Only Users can’t make payments.

Frequently asked questions

  • Full Access User

    Delegate User

    View-Only User

    View and download statements

    Full Access User

    • Yes

    Delegate User

    • Yes

    View-Only User

    • Yes

    Check balances, view recent transactions across current, deposit and business loan accounts

    Full Access User

    • Yes

    Delegate User

    • Yes

    View-Only User

    • Yes

    Pay bills to another person or company without the need for a cheque

    Full Access User

    • Yes

    Delegate User

    • Yes

    View-Only User

    • No

    Transfer money between your Bank of Scotland business accounts

    Full Access User

    • Yes

    Delegate User

    • Yes

    View-Only User

    • No

    Create, amend and cancel most standing orders and Direct Debits

    Full Access User

    • Yes

    Delegate User

    • Yes

    View-Only User

    • No

    Set up or amend individual payment limits for Delegate users

    Full Access User

    • Yes

    Delegate User

    • No

    View-Only User

    • No

    Set up online payment control

    Full Access User

    • Yes

    Delegate User

    • No

    View-Only User

    • No

    Set up bulk payments

    Full Access User

    • Yes

    Delegate User

    • No

    View-Only User

    • No

    Apply for a business loan, overdraft, savings account and Business Credit Card

    Full Access User

    • Yes

    Delegate User

    • No

    View-Only User

    • No

    Add, remove or amend user access levels on the bank mandate

    Full Access User

    • Yes

    Delegate User

    • No

    View-Only User

    • No

    Request and authorise non-payment service tasks online.

    Full Access User

    • Yes

    Delegate User

    • No

    View-Only User

    • No

  • If you’re unable to collect the two account signatory signatures required to authorise your request, you’ll need to complete a resolution.

    For Companies, Limited Liability Partnership’s and Club Charity and Society accounts, please complete the following steps, using the relevant template below:

    1. Download the relevant PDF template below
    2. Copy the PDF contents into a word processing document
    3. Complete the Board Resolution using the guidance provided in the PDF
    4. Collect the required signatures
    5. Post the completed form to:

    Bank of Scotland,
    Business Banking,
    PO Box 1984,
    Andover,
    SP10 9GZ

    For Public Limited Companies and Private Limited Companies:
    Companies template (PDF, 85KB)

    For Limited Liability Partnerships and Limited Partnerships:
    Limited Liability Partnership’s template (PDF, 83KB)

    For Club, Charity and Societies:
    Club, Charity and Societies' template (PDF, 145KB)

Register for Business Internet Banking

Our three step registration process is quick, easy and secure.

Start today.

Got a question?

Find the answers in Help & Support. You can get help with registration, access, card readers, account management and more.

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