Corporate Online
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Quick, easy to use and highly efficient, Corporate Online gives you the flexibility to manage your business as you want - with complete peace of mind. But don't just take our word for it, see what our customers have to say.

Will Gold, Murray International Holdings

"Trust. That's the key thing in our banking relationship," says Will Gold, Group Finance Director of the £650m turnover Murray International Holdings. "You have to trust that they truly understand your business and will provide services that are tailored to be useful to you. That's what we get from Bank of Scotland Corporate."

Murray International Holdings is a privately-owned, widely diverse conglomerate with interests in metals, property and communications amongst others. A decades-long customer of Bank of Scotland, the Group calls on the Bank's expertise for "any activity we're involved in," says Will. "And that's simply because of the level of day-to-day service we get".

The group employs some 3,500 people worldwide and is a big user of Bank of Scotland's electronic system to make and receive payments.

Using transactional facilities across such a wide variety of businesses isn't as complicated as it might at first seem, says Will. "The online payments system is extremely flexible and easy to use. And it gives me an entire group-wide overview of our cashflow, which I find it hugely useful.

"As for our sector diversity, that's never been an issue. The reason for making the payments may differ from business to business, but the system's set up so that the same processes apply across all activities."

And the operational benefits reach beyond the UK domestic arena, he explains. "We were able to extend the online facility so that we can view the balances of our Singapore subsidiary, and initiate transfer payments if we need to."

Eager to boost use of the payments system across the group, Will suggested a workshop for all his senior finance colleagues. "We got an excellent response from Bank of Scotland," he recalls. "They fielded a team with a range of specialist skills to come in and share their knowledge. It greatly increased our usage of online banking. It's so helpful to have that support resource to draw on - it certainly made my life a lot easier!"

The fluidity of the online system means Will is confident to offer suggestions about tweaking it to fit the Group's specific needs. And that feedback, he says, is "always understood in detail and gratefully received".

It works the other way, too. Relationship Manager Kevin Shakespeare is "always very proactive and forward-looking," Will explains. "He was very keen, for instance, to make sure we were set up to use the Bank's new faster payments system. And he's examining how we could use the advanced BACS clearance reports across the group.

"Every time I speak to him, it's obvious he's been wondering about what he can do to help us operate more effectively and efficiently, or to save on transaction fees."

The trust built into the relationship has persuaded Murray International Holdings to renew its facility with Bank of Scotland Corporate. Having doubled profits to over £20m last year, the business is optimistic about its strategic opportunities.

"Our diversity is an asset in this business climate," concludes Will. "If we anticipate a downturn in one sector, we'll see opportunity in another. It's what differentiates us from the competition. What sets Bank of Scotland apart is their clear, demonstrable understanding of our business."

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