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Our free* Internet Banking service puts you in complete control of your finances, 24 hours a day, 7 days a week. You can transfer funds between your accounts, pay bills and manage your standing orders and direct debits. You can also set up different levels of access and payment authority for your employees.
With Internet Banking's secure messaging facility or via the online Internet Banking application you can do the following:
* Bank of Scotland makes no charge for the use of its Internet Banking service. However, any charge made by your Telecoms Provider and/or Internet Service Provider (ISP) for using the internet will still apply .
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Next steps
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| Why not try our interactive demo? |
| Email us to find out more about Internet Banking |
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Alternatively call us on 0845 300 2924, 24 hours a day, 7 days a week
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| Already signed up for Internet Banking? Log in now (opens new window) |
Internet Banking demo
Our interactive Internet Banking demo** works like the real thing, so you can find out how easy Internet Banking is to use and what it can offer you and your business. If you are already an Internet Banking user, and are keen to try out transactions you have never previously carried out online, then this is also ideal as a training tool.
Allan's Plumbing Service
Allan has been running his own plumbing business in Dundee for 15 years. He's got a Bank of Scotland Direct Business Cheque Account, a Business Bonus deposit account and a Commercial Visa card. He pays his suppliers each month using Internet Banking or by Direct Debit. Because Allan's on the road through the day, banking online in the evenings and at weekends allows him and his wife Fiona to check account balances and reconcile income and outgoings quickly and simply, as well as transferring funds between accounts. Fiona also generally looks after the household accounts, which they can access on Internet Banking too.
Start the Internet Banking demo
Please note that the demo may take up to 30 seconds to download. The interactive demo supports Microsoft Internet Explorer version 5.0 and above, and Netscape Navigator version 6.0 and above.
** The characters are not real people and the transactions and figures used in it are for illustrative purposes only.
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Apply now for Internet Banking
To apply for Internet Banking, simply download the application form, complete and post it to us.
This form will collect all the information that we require to process your application.
To apply simply download application form (PDF: 90KB - opens new window)
To open the above form, you'll need Adobe Acrobat Reader. If you don't already have it, download Adobe® Acrobat Reader® (opens new window).
To read these forms with a screen reader please link to the Access Adobe website (opens new window).
Please read the completion instructions and print only the required pages, then fill in the application form and send it to:
FREEPOST
Business Banking, Team ITB
Ground Floor
Teviot House
41 South Gyle Crescent
Edinburgh
EH12 0BR
Data Protection Act
Before completing your application, please read 'Uses of Data' in important legal information
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Internet Banking security
You may be aware of fraudulent emails that have been circulating recently claiming to be from a variety of financial institutions. These emails request that customers verify or re-activate their account by clicking on a link and entering their login details. Although this may link to a page that appears to be a genuine Bank of Scotland site, we can assure you that we would never request personal information via this method. This is commonly known as website spoofing or phishing.
If you receive one of these emails you should forward it to $onlineinvestigations@bankofscotland.co.uk (opens new window), and then delete it immediately without responding or visiting any site it details. Please be aware that these emails may also contain viruses and we recommend that you ensure that your anti virus software is up to date and also scan your PC for viruses.
You should only ever enter your security details when you have typed the appropriate URL into your browser address bar, e.g. www.bankofscotlandbusiness.co.uk and clicking on the login button.
If you are concerned that you may have disclosed any personal or security information, please contact the Internet Banking Helpdesk immediately on 0845 300 2924#.
#Telephone calls may be recorded for security purposes and monitored under our quality control procedures.
Email Scam - Examples:
For your information we have shown below some examples of the recent email scams that have taken place.
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Example 1
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Dear client of Halifax Internet Banking,
The recent cases of fraudulent use of clients accounts forced the Technical services of the bank to update the software. We regret to acknowledge, that some data on users accounts could be lost. The administration kindly asks you to follow the reference given below and to confirm your data.
The administration asks you to accept our apologies for the caused inconvenience and expresses gratitude for cooperation.
Please do not reply to this email.
Thank You.
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Example 2
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SECURITY ALERT: Please read this important message
Our new security system will help you to avoid frequently fraud transactions and to keep your investments in safety.
Due to a technical update we ask you to confirm your online banking membership details. Please fill the form below. Please follow the link below to fill in the form "Bank of Scotland Business Banking - confirmation".
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Add an account or user to Internet Banking
If you are already registered for Internet Banking, you may find the following form useful. You can use the Variation Request form to:
- Add/remove sterling accounts
- Add/remove currency accounts
- Add/remove credit cards
- Add/remove Nominated Users (individuals authorised to access the business accounts) amend Nominated User details
- Variation Request form (PDF: 68KB - opens new window).
To open the above form, you'll need Adobe Acrobat Reader. If you don't already have it, download Adobe® Acrobat Reader® (opens new window).
To read these forms with a screen reader please link to the Access Adobe website (opens new window).
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Internet Banking Glossary
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Term
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Explanation |
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Address
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Sometimes referred to as a URL. This is the address of the website, web page or resource on the internet. |
| Anti Virus |
Software installed on a PC to detect and block viruses. |
| Broadband |
An always-on high speed connection to the internet. |
| Browser |
A web browser is a software application used to view web pages. |
| Cache |
Your browser uses a cache to store web pages locally on your computer. This means the next time you want to view these pages, they will be available a lot quicker. |
| Encryption |
The process of scrambling or coding information to protect it from being read by anyone during transmission from one user to another via a network, such as the internet. |
| Firewall |
A system designed to secure a network or PC from unauthorised access or threatening action from an external source, such as the internet. |
| Login |
The process of accessing a system or service. |
| Password |
Between 6 and 12 characters and a mixture of letters and numbers. This piece of information is required to access Internet Banking. |
| Search Engine |
A tool for sifting and locating specified information stored anywhere on the internet. |
| Security Patches |
Small software fixes provided by your operating system or browser vendor to resolve security and other issues. |
| Spam |
The practice of sending unsolicited emails to email addresses - an electronic version of junk mail. |
| Spoofing |
Spoofing refers to the practice of making an email appear to have been sent from one source while concealing the true identity of the originator. Spoofing can be used to trick people into disclosing sensitive information online, such as passwords. This is also commonly known as ‘phishing’. |
| SSL (Secure Socket Layer) |
Provides a secure communications link between a browser and the Bank. |
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Token Code
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A 6-digit code generated by your SecurID Token. This is required along with your user name and password to allow you to log in to Internet Banking.
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URL
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This is the address of a website, web page or resource on the internet. |
| Virus |
A software program that has been designed to disrupt the operations of a computer. Some viruses can monitor activity on your PC. |
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Internet Banking Help
Choose from the following sources of help:
Quick reference guide
You can print out our quick reference guide (PDF: 125KB - opens new window) and refer to it until you know your way around.
Online help
Find all the information you need about Internet Banking in our interactive guide (opens new window).
Useful numbers:
- Internet Banking Helpdesk on 0845 300 2924
- Internet Banking Helpdesk - Overseas Callers on ++131 339 8620
- Business HOBS (Home and Office Banking Service) Online Support on 0845 300 6444
- Corporate HOBS Online Support on 0845 300 6444
Find the answers to your most frequently asked questions.
If you'd prefer to contact us by email, we'll get back to you as quickly as possible, Email us (opens new window) to find out more about Internet Banking.
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Internet Banking - connection information
If you're having trouble with your internet connection, try our step-by-step guide to diagnosing the problem.
- Can't connect to Bank of Scotland Internet Banking?
Try accessing another website. If you can connect, but are still unable to connect to Bank of Scotland Internet Banking, please call our Internet Banking Helpdesk on 0845 300 2924.
- Can't access any website?
Check your phone line is free and plugged in. If your phone line is fine, the problem may be with your Internet Service Provider set-up. We recommend that you contact them directly.
- Still having trouble connecting?
Check which version of browser you are using by selecting Help from your browser menu and then About.
Bank of Scotland browser requirements
Bank of Scotland Internet Banking only works with Microsoft Internet Explorer version 6.0 or above or Netscape Navigator version 7.0 or above.
Browser does not meet the minimum specification?
If your browser does not meet the minimum requirements described above, you can upgrade your browser to access Internet Banking. Click the appropriate button to upgrade your browser.
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Internet Banking - FAQs
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How much does Internet Banking cost?
There is no charge for using the Internet Banking service. There may be charges levied for operating your bank account - these will be unaffected when you use the Internet Banking service. Your telecoms or Internet Service Provider (ISP) may charge you for access to the service.
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What can I do with Internet Banking?
You can:
- View account balances on all your sterling accounts
- Option to view the future items due to be debited or credited to your account in the next 30 days*
- See your projected cleared balance* for the next 4 business days
- See transactions on your account for up to the last 90 days
- Search* for transactions within your statement using the statement search facility
- Transfer funds between accounts
- Download information to your PC
- Make payments to a third party
- Create new standing orders and Bill Payment Mandates online*
- Cancel standing orders and direct debits* online
- View details of standing orders and direct debits
- View past payments* made to 3rd party suppliers
- View currency account balances and transaction details
See our quick reference guide (PDF: 125KB - opens new window)
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When is Internet Banking available?
Internet Banking is available 24 hours a day, 7 days a week.
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Can I view my currency accounts online?
Yes, you can view your currency accounts through Internet Banking. You can view balances, statement and transaction details.
In order to add a currency account to your existing Internet Banking agreement, you must complete a Variation Request form and send it to the address on the form.To apply for Internet Banking, simply download the application form, complete and post it to us.This form will collect all the information that we require to process your application.
To apply simply download application form (PDF: 90KB - opens new window)
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Can I view my Halifax Accounts via Business Internet Banking?
Yes, you can. You can view your account details, statement and instruct transfers to and from your Halifax accounts.
To view standing orders/direct debits and Payment Mandates, you will need to log on to www.bankofscotlandhalifax-online.co.uk (opens new window).
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Where do I get help?
You can call the helpdesk on 0845 300 2924.
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How do I contact the Internet Banking Helpdesk from overseas?
The number to dial from overseas is ++131 339 8620.
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Is it secure?
All possible measures to secure your information are in place. The key to security is your user name, password and SecurID token. It is essential these are not disclosed to anyone. If at any time you suspect that your user name or password have been compromised then you should change them immediately. If you believe your token has been compromised, please call the Helpdesk on
0845 300 2924. If you have any difficulty with changing your user name or password, then contact the Internet Banking helpdesk who can prevent further access to your accounts and explain the process of re-activating the system.
Information passed between your computer and the Bank is encrypted and in the unlikely event of any third party seeing a message it is unreadable. Although many other security measures are present in the system for your protection, the Bank will not reveal any further details regarding these.
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How can I add a new account?
New accounts must be added to your Internet Banking profile by Bank staff. You must complete a Variation Request form and send it to the address on the form.
Variation Request form (PDF: 68KB - opens new window)
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How do I add an additional nominated user?
To add a nominated user, you must complete a Variation Request form. The form should be sent to the address detailed on the form.
Variation Request form (PDF: 68KB - opens new window)
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How do I remove a nominated user?
If a nominated user no longer requires access you should advise us by writing a letter to:
Remove User Access
Bank of Scotland
Business Internet Banking
Customer Services Processing
Level 3
Citymark
150 Fountainbridge
Edinburgh
EH3 9PE
Alternatively if it is urgent call 0845 300 2924. Upon receipt of your instruction the Bank will remove the user from the list of people authorised to access your accounts.
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How do I set up a new payment mandate, i.e. pay someone new via Internet Banking?
You can do this by simply selecting the Create New* button from the Payments Page within Internet Banking. Alternatively, you can set up a new payment mandate by telephoning the helpdesk on 0845 300 2924 or you can print off a Payment Mandate from the link below. After completion this should be returned to the Address at the top of the form (for paper mandates, please allow 7 working days for us to process the form before making your first payment).
Internet Banking Payment Mandate form (PDF: 26KB - opens new window).
*These additional features are currently available to 97% of registered Business Internet Banking users and work is being undertaken to bring the new features to all users as soon as possible.
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How do I contact the Internet Banking Helpdesk?
Helpdesk staff are available 24 hours a day, 7 days a week. You can contact them on 0845 300 2924.
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Can I access my accounts from anywhere in the world?
You can access your accounts from anywhere with internet access.
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How do I pay money into my account?
There is no change to the way in which you pay money into your bank account. For details visit our Cash Services section. You can also transfer money using Internet Banking from another Bank of Scotland account you have access to, or from another bank account outside Bank of Scotland via BACS.
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Can I view my personal accounts as well as my business accounts?
You can view other accounts if you have the appropriate authority to access them. You can apply to access other accounts by completing the appropriate sections of the Internet Banking Application Form (PDF: 90KB - opens new window).
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Can I still use Telephone Banking?
Yes you can still use Telephone Banking as well as Internet Banking.
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What devices can I use to access Internet Banking?
Internet Banking should run on any web browser with the equivalent functionality of Microsoft Internet Explorer version 6.0 or Netscape Navigator version 7.0 or above. Any device capable of running this software should be able to access Internet Banking.
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Do I need any special software?
No, Internet Banking should run on any web browser with the equivalent functionality of Microsoft Internet Explorer version 6.0 or Netscape Navigator version 7.0.
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How can I close my Internet Banking access?
Access to your accounts using Internet Banking can be stopped immediately by contacting the Internet Banking helpdesk on 0845 300 2924.
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What if my account information looks incorrect?
Call the Internet Banking Helpdesk on 0845 300 2924 to ask for help, or contact your Branch regarding any query on the balances or transactions displayed.
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Can I set up a direct debit?
No, a direct debit is set up by the organisation to which funds are to be sent.
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Can I cancel a direct debit* or standing order?
Yes, all you have to do is click on the direct debit or standing order you wish to cancel in the standing orders and direct debits screen. Once the standing order or direct debit details appear, simply click on the 'Delete' button.
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How can I view the Internet Banking Terms and Conditions?
See our Terms and Conditions for Internet Banking.
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Why does Internet Banking remember my username and password?
This is actually a facility of more recent versions of some internet browsers. When you first log in to Internet Banking the browser may ask if you wish your details to be remembered for future use. It is strongly recommended that you do not use this facility. If you have already selected this and wish to remove it please refer to the help section of your browser relating to the auto complete facility.
For Internet Explorer browser users choose Tools then Internet Options, click Content and then under Personal Information click Auto Complete - choose clear passwords.
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Why do I get script errors while using Internet Banking?
This can occur if your browser has the script debugging facility enabled. If you have already selected this and wish to remove it please refer to the help section of your browser.
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Can my account information be viewed by anyone else?
Internet Banking encrypts all information sent between your browser and the Bank. Your user name, password and token code protect your Internet Banking access. Your accounts cannot be accessed without this information. You should be aware that some browsers store internet pages containing sensitive information, like your bank accounts, locally. This can be viewed by anyone with access to your computer. It is strongly recommended that you do not use this facility. If you have already selected this and wish to remove it please refer to the help section of your browser relating to the save encrypted pages to disk facility.
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Can I cancel a payment that I have instructed?
You can cancel a payment that you have instructed via the cancel scheduled menu in the payments screen. Please note that a payment instructed today for today's date CANNOT be cancelled.
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How many passwords do I need for Internet Banking?
You will be given a user name and password to log in to Internet Banking for the first time. Then you will be asked to change your password once you are logged in. You can also change your user name at this time. You can change your user name and password at any time. You will only need one user name and one password at any time. Please keep a note of your original user name however, as you may need it to contact the helpdesk in future. In addition to your username and password you will also need to enter the unique 6-digit code generated by your token. This code changes every 60 seconds, making an already secure environment even safer.
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Why is my account information not updating?
Your browser is displaying pages stored locally rather than retrieving the correct information from the Bank. Pressing F5 forces most browsers to refresh the page by contacting the Bank's server. This only happens if pages are being stored locally by your browser. It is strongly recommended that you do not use this facility. If you have already selected this and wish to remove it please refer to the help section of your browser relating to the save encrypted pages to disk facility.
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Why does Internet Banking open in a separate window?
Internet Banking opens a new copy of your browser that only transmits encrypted messages to and from the Bank's internet server.
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Can I change my user name, password or token code?
The first thing Internet Banking asks you to do is set your own password. You will also be given the option to change your user name. This allows you to choose something memorable which doesn't need to be written down. The key to security is your user name, password and token code. Please ensure that your user name and password are a mixture of letters and numbers and are not derived from obvious personal information that may be known to others and are not connected to each other. For security, your password is not visible to anyone else including Bank of Scotland staff. You should never be asked to, nor should you ever, reveal your password to anyone. You can change either your password or user name at any time by clicking on User in the main Navigation bar. The 6-digit code generated by your SecurID token changes automatically every sixty seconds.
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Why is there no browser toolbar?
Internet Banking does not store the pages you see on the screen. They are all generated by the Bank's computers and sent to your browser. This means that the forward and back buttons no longer work in the way you would expect. They have therefore been removed to avoid confusion. All of the toolbar facilities relevant to Internet Banking are provided by the application itself.
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How do I move backwards and forwards in Internet Banking?
You can select options from either the Account selector, the Manage Your Accounts selector or select the available functions at the bottom of the screen. You can also use the Back button within Internet Banking to navigate back to the previous screen.
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How do I log off or disconnect?
Click the Exit button on the Internet Banking toolbar.
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Internet Banking - Terms & Conditions
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1. Definitions
In these terms and conditions which shall be governed by Scots law:-
'Account' means any account(s) held by the Bank in the name of the Customer, whether in single or joint names other than specific types of accounts that cannot be used in conjunction with the Service details of which the Bank will provide to the Customer on request.
'Application' means the application in respect of Internet Banking available from the Websites or (as the case may be) the application form.
'Bank' means Bank of Scotland plc and its successors and assignees.
'Customer' means an individual, partnership, limited liability partnership, company, local authority, other body corporate, trust or unincorporated association or entity which has accepted these terms and conditions for the provision of the Service. Where the Customer is more than one person or entity the liability of each to the Bank shall be joint and several.
'Nominated User' means a person or persons permitted to use the Service on behalf of the Customer which shall be:
- The person or persons so named in the Application; and
- Any person or persons notified to the Bank pursuant to Clause 5 below; and
- Such other person or persons who may replace the persons referred to in (1) and (2) above from time to time at the sole discretion of the Customer, subject to the Customer notifying the Bank in writing prior to the replacement.
'On-Line Help' means the help files accessed from the Websites that assist users in the use of the Service, as amended from time to time by the Bank.
'Secured Input' means the procedures which the Bank may advise the Customer or any Nominated User of from time to time to enable use of the Service which shall include without limitation a user identification code.
'Service' means the Internet Banking service provided by the Bank that enables the Customer to obtain access to information and give instructions to the Bank via the Websites or via telephone and thereby:-
- Obtain information on any Account including transactions and standing instructions;
- Transfer funds to and from any Account (subject to any account restrictions agreed separately with the Customer);
- Instruct transfers to third parties' accounts; and
- Use the other facilities which the Bank may from time to time incorporate into the Service;
all to the extent that the Service permits from time to time.
'Websites' means the websites through which the Service may be accessed as notified to the Customer from time to time, which may constitute computer server equipment and programs owned and operated by the Bank and or the Bank's business partners.
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Internet Banking - Terms & Conditions
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2. Terms and Conditions
These terms and conditions are subject to the operating terms and conditions relating to the Account(s) as previously notified by the Bank. Subject to Clause 4 below, in the event of a conflict, the operating terms and conditions relating to the Accounts will apply. The Bank may vary these terms and conditions at any time by giving to the Customer not less than 30 days notice of any change to these terms and conditions, save where the change needs to be made sooner to protect the security of the Service or the Account or where the change is dictated by circumstances beyond the Bank's control. If the change is clearly to the detriment of the Customer the Bank will notify the Customer personally and ignore the 30 days' notice period which applies to termination of the Service. Changes to these terms and conditions will be made to:
- Reflect a change in market conditions, good banking practice or legislation;
- Reflect a development or change in the services or facilities the Bank provides; or
- To ensure the good management or competitiveness of the Bank's business.
Changes may be notified either in writing or by way of a broadcast message appearing on the Service noticeboard or posted on the Bank's public website or by e-mail to the most recent e-mail address held on the Bank's records (if held). By accessing the Service, Customers and Nominated Users are deemed to accept the Terms and Conditions applicable from time to time to the Service.
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Internet Banking - Terms & Conditions
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3. Telephone
By accepting these terms and conditions the Customer and any Nominated User will be able to access the Service via one of the Bank's designated telephone banking services. The Bank may record telephone calls made by the Customer or any Nominated User to the Bank so that the Bank has a record of instructions given to it. The Bank may also listen to such calls to help it improve the quality of its service.
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Internet Banking - Terms & Conditions
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4. Joint Accounts
The Service may be used in connection with joint Accounts provided that all Account holders consent to operation of the Account via the Service (whether or not any of them wish to take advantage of the Service themselves) by a single Account holder and that any single Account holder to a joint Account may validly give instructions via the Service to the Bank in accordance with Clause 5. Any consent given pursuant to this Clause 4 shall supersede any other existing arrangements that may apply to the operation of such joint Account.
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Internet Banking - Terms & Conditions
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5. Security
To enable the Customer to use the Service the Bank will notify the Customer or any Nominated User from time to time of its Secured Input. A Customer may inform the Bank, in writing, of the name(s) of any additional persons that are to become Nominated Users and, as appropriate, the relevant authority levels for each of those persons. The Bank will then notify that Nominated User of any changes to the Secured Input that may be necessary.
A Customer may by informing the Bank set new or replacement authority levels for any Nominated User acting on its behalf and may set different authority levels for different Nominated Users. The Customer must notify the Bank in writing of the removal of any Nominated User's authority. Neither the Customer nor any Nominated User shall disclose to nor allow anyone else use of or access to its Secured Input. The Customer shall take all reasonable precautions (including where appropriate implementing and maintaining adequate security measures) to ensure that the Secured Input remains secret and confidential to the Customer and any Nominated User and that the Secured Input is not disclosed to anyone else. Should the Customer suspect that the Secured Input has become known to an unauthorised person or suspects any misuse of or breach of confidentiality or secrecy in respect of the Secured Input the Customer shall immediately contact the Bank. In any event the Secured Input passwords shall be changed at least once every twelve consecutive calendar months. The Customer and any Nominated User shall comply promptly with all changes or requests for changes to its Secured Input whenever so notified or requested by the Bank.
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Internet Banking - Terms & Conditions
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6. Acting on Customer Instructions
The Bank is irrevocably and unconditionally authorised by the Customer to act on all instructions (in whatever form) received in respect of the Customer's Account via the Service and to debit and credit the relevant Account with the amount of all transactions initiated through the Service. The Customer acknowledges that the supply of the Secured Input when contacting the Bank via the Service is sufficient evidence for the Bank to assume that it is dealing with the Customer without the Bank being required to make any further enquiry or need to verify such authority or instruction and the Bank may act on such authority or instruction or purported authority or purported instruction accordingly. Once the Customer has told the Bank of any misuse of or breach of confidentiality or secrecy in respect of the Secured Input the Bank will take steps to prevent the Secured Input being used to access any Account. Until the Bank has been told of this, the Customer will be responsible for any authority or instruction given using the Customer's Secured Input, even it was not given by the Customer or a Nominated User. The Bank will not be liable for having acted on such instructions. Normally, the Bank will pay back into the appropriate Account the amount of any payments the Bank makes after the Customer or a Nominated User has informed it of any security problems. However, if the Bank can show that the Customer or a Nominated User has acted fraudulently or has been grossly negligent the Customer may be responsible for all payments made by the Bank and all losses on the Account. Instructions received via the Service will only be accepted by the Bank when the Customer has the right to use the Service and this has not been withdrawn or suspended for any reason.
Provision of the Service will not entitle the Customer to overdraw any Account if borrowing arrangements have not been made with the Bank or to overdraw in excess of any limit agreed by the Bank. The Customer acknowledges that notwithstanding anything stated in this Clause 6, the Bank reserves the right to withdraw the Service if it has any suspicion that the Secured Input has or may have been disclosed to any unauthorised person or if it has reasonable grounds to believe that the Service is being used illegally or fraudulently. The Customer further acknowledges that in exceptional circumstances the Bank may at any time until further notice withdraw or suspend the operation of the Service but will promptly notify the Customer of any such withdrawal or suspension.
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Internet Banking - Terms & Conditions
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7. Customer Obligations
When using the Service the Customer shall at its own expense provide and maintain facilities suitable for gaining access to the Service and shall be responsible for ensuring that these meet any requirements specified by the Bank from time to time. If the Customer is using the Service for business purposes, it shall make suitable contingency arrangements including back up procedures in accordance with any good industry practice applicable to the Customer to cover system or operating failures or suspension or withdrawal of the Service.
The Customer shall comply with the requirements and directions of the On-Line Help, use the Service only for the purposes specified in the On-Line Help, and ensure that all instructions given are clear, correct and complete.
The Customer shall let the Bank know immediately if it becomes aware of any failure to receive or delay in receiving any authorisations or instructions through the Service, or any payment or transfer of funds made or to be made pursuant to such authorisations or instructions, or any known or suspected error or fraud in or affecting the sending or receiving of any such authorisations or instructions or payment or transfer of funds, or any known or suspected error affecting the user data, or any programming error, defect or corruption of any such authorisations or instructions. A Customer shall use its reasonable endeavours to assist the Bank in any remedial steps proposed by the Bank in relation to any such failure, delay, error, defect or corruption.
The Customer shall not delete, amend or alter in any way any proprietary notices, trademarks or service marks appearing on any materials furnished to it in connection with these terms and conditions or the Service.
It is up to the Customer to check the Service and the Bank's public website regularly for any notices applicable to the Customer.
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Internet Banking - Terms & Conditions
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8. Financial Information available via the Service
The financial information available by means of this Service is for reference purposes only as all transactions may not have been updated in the Bank's books. The timing of processing may vary depending on whether the transactions are processed manually or electronically and some transactions will be updated immediately while others will not be processed until after the close of business. This may result in the information available to Customers via the Service not reflecting transactions in the Bank's hands which have yet to be processed. Similarly, items showing on screen may not yet have been checked for validity or approved for payment and may not be credited or debited to the Account on the subsequent completion of the Bank's checking procedures. Whilst the Bank shall use reasonable endeavours to ensure that all financial information available through the Service is regularly reviewed and is accurate, the Bank shall not be liable for any loss incurred or damage suffered by the Customer by reason or in consequence of any such financial information not being complete, accurate or up to date. In view of the contents of this Clause 8 and without prejudice to these terms and conditions the Bank reserves the right and is hereby authorised (where in its reasonable opinion it is necessary or appropriate to do so for the proper management of the Accounts) to reverse any transaction entry (including in respect of unpaid cheques) and make the necessary adjustments to the Accounts.
The records that the Bank from time to time maintains of authorisations and instructions received and payments and transfers of funds and any transactions effected by the Customer or any of its Nominated Users or the Bank in connection with the Service shall, to the extent of such records and in the absence of mistake, error or oversight, be conclusive proof and evidence of such authorisation, instructions, payments, transfers and transactions and their respective constituents and the times at which they were sent, received or effected.
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Internet Banking - Terms & Conditions
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9. Charges
The Bank reserves the right to charge the Customer a fee for the right to use the Service. The Bank may introduce such fee or vary the basis of any existing fee by giving to the Customer not less than 30 days personal notice.
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Internet Banking - Terms & Conditions
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10. Proprietary Information
The documentation and information supplied to the Customer and any Nominated User in connection with the Service, including without limit the Secure Input (the "Proprietary Information") is the confidential information of the Bank. The copyright, service marks, trade marks and all other intellectual property rights in the Proprietary Information wherever in the world enforceable shall at all times remain vested in the Bank or, if the terms of any contract the Bank has with any licensor otherwise specify, in such licensor. The Customer shall take all reasonable steps to protect the Proprietary Information and shall notify the Bank if it becomes aware of any breach of any of the Bank's intellectual property rights in the Proprietary Information. The Customer acknowledges that it does not own any right of copyright or other intellectual property rights in the Proprietary Information. The Customer shall not take copies, transfer, sell, lease, rent, make available to third parties or charge or otherwise deal with the Proprietary Information. If the Customer accesses the Service from a country outside the United Kingdom, the Customer shall be responsible for complying with the laws and regulations of that country.
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Internet Banking - Terms & Conditions
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11. No warranty
The Bank does not warrant that the use of the Services will meet the Customer's requirements or that the operation of Service will be uninterrupted or error free. If the Customer is a company or otherwise acting for the purposes of its trade, business or profession, then except as expressly set out in these Terms and Conditions all conditions, warranties, terms and undertakings express or implied, statutory or otherwise, in respect of the provision of the Service or otherwise are hereby excluded.
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Internet Banking - Terms & Conditions
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12. Liability
Subject to any terms implied by law or by the rules of any regulatory body and which cannot be excluded, the Bank shall not be liable in contract, tort (including negligence), delict or otherwise:
- For the fraud of the Customer or Nominated User;
- For any downtime, unavailability, failure, malfunction, distortion or interruption to the Service, whether caused by a failure in the Websites, or any communications means or otherwise;
- Ffor any omission, error, discrepancy, ambiguity in any Customer or Nominated User instructions, for any failure by the Customer or Nominated User to use the Service in accordance with these terms and conditions, the On-Line Help or any other instructions provided by the Bank from time to time (whether in writing, electronically or orally) or any misuse or abuse of the Service by the Customer or any neglect or default by the Customer or any loss or damage caused or suffered by the Customer's equipment as a result of being connected to the Service;
- For indirect or consequential loss or damage or loss of profit, opportunity, goodwill, or for loss of or damage to data or for secondary or indirect loss or damage or for damage to for loss of anticipated savings;
- For force majeure, including, without limitation, industrial disputes, any act or omission by any third party or the revocation of any licence held by the Bank in connection with the Service or any other act or omission outside of the Bank's control; and
- For any loss or damage incurred by the Customer through use of financial information available through the Service, whether or not such information is current.
Nothing in these Conditions shall limit the Bank's liability to the Customer for fraud by the Bank or for death or personal injury resulting from its negligence or that of its employees or agents.
The Customer shall be responsible for any such loss which may be incurred by the Bank as a consequence of any material breach by the Customer of these terms and conditions and the Customer will indemnify the Bank against any claims made against the Bank for recompense for such loss and any costs incurred by the Bank in connection with such claim.
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Internet Banking - Terms & Conditions
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13. Termination
These terms and conditions between the Bank and the Customer may be terminated by either party giving to the other not less than 30 days' prior written notice at any time.
The Bank may terminate access to the Service immediately by written notice in the event that:-
- The Customer or any third party takes steps to wind up, dissolve or submit a petition for bankruptcy relating to the Customer; or
- The Customer is insolvent or makes any arrangement or composition with its creditors; or
- A liquidator, trustee, receiver, administrator, administrative receiver or similar officer is appointed over the undertaking or assets of the Customer; or
- Any creditor executes diligence against the Customer, whether effectual or not, or any distress or execution is levied or enforced against the Customer or any garnishee order is made and served; or
- The Customer materially breaches these terms and conditions.Termination shall be without prejudice to all accrued rights, remedies and obligations and to the provisions of Clauses 10 and 12 which shall continue in full force and effect.
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Internet Banking - Terms & Conditions
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14. General
These terms and conditions are personal to the Customer and none of the rights, benefits or obligations hereunder may be assigned or sub-contracted either in whole or in part by the Customer. The waiver by the Bank of a breach or default of any of the provisions of these terms and conditions by the Customer shall not be construed as a waiver of any succeeding breach of the same or any other provisions nor shall any delay or omission on the part of the Bank to exercise or avail itself of any right, power or privilege that it has or may have under these terms and conditions operate as a waiver of any breach or default by the Customer.
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Internet Banking - Terms & Conditions
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15. Notices
All notices given to the Bank in connection with these terms and conditions must be in writing and sent to the Customer's Account holding Branch marked for the attention of the manager or to E-Commerce, Ettrick House, 37 South Gyle Crescent, Edinburgh EH12 9DS, by ordinary (first class) post or facsimile transmission. Any notice, which is sent:
- By ordinary (first class) post, shall be deemed to have been served 2 working days after the time of posting or
- By facsimile transmission, shall be deemed to have been served when transmitted, if transmitted during working hours and otherwise on the next working day after transmission.
All notices given to the Customer by the Bank in connection with these terms and conditions (save as expressly stated otherwise in these terms and conditions) shall be in writing or sent by e-mail to the most recent e-mail address held on the Bank's records (if held) or by way of a broadcast message appearing on the Service noticeboard or posted on the Bank's public website. Any notice sent in writing shall be sent to the Customer at the latest address held on the Bank's records by ordinary (first class) post. Any notice sent in writing shall be deemed to have been served 2 working days after the time of posting. Any notice given to the Customer by the Bank by e-mail shall be deemed served when it has left the Bank's premises. Any notice given to the Customer by way of a broadcast message appearing on the broadcast noticeboard or posted on the Bank's public website shall be deemed served at the time it appears or (as the case may be) is posted.
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Internet Banking - Terms & Conditions
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16. Unenforceable provisions
In the event that any provision of these terms and conditions is held unenforceable, it will not affect the validity and enforceability of the remaining provisions and will be replaced by the enforceable provision that comes the closest to the intention underlying the unenforceable provision.
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Internet Banking - Terms & Conditions
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17. Jurisdiction
The parties hereby accept the non-exclusive Jurisdiction of the Court of Session in Scotland.
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