Business Internet Banking

Business Internet Banking gives you the time to do the important things, like running your business. Available when you want it, wherever you happen to be, and it puts you in control of your banking.

Choose Business Internet Banking and get back vital time to spend on your business.

Key Features
  • No monthly charge.
  • Available 24/7.*
  • Online International Payments - make payments in over 35 currencies to almost anywhere in the world.
  • Take a look at the online demo to see Business Internet Banking in action.

You can register by calling 0345 606 0286, visiting your local branch or Register now

  • Delegated authority - set different levels of online access for each of your Business Internet Banking users depending on their role and your business requirements. Find out more.
  • Online Payment Control - set a user’s payment limit for each transaction or choose between 2/3 people to authorise all online payments. Find out more.
  • Bulk payments/Multiple payments - make up to 25 payments online at any one time. View video to find out more about Bulk payments.
  • International payments - make international payments to overseas staff or suppliers. Find out more.
  • Standing Orders/Direct Debits** - set up new standing orders and easily manage your existing standing orders and Direct Debits**.
  • Transfers - make immediate transfers between your accounts (business, personal, savings). View video to find out more about how to make transfers online.

Easy money management

To give you more control over your Business Internet Banking, you can choose to set different levels of online access for each of your internet banking users – depending on their role and your business requirements.

To amend the access levels of your internet banking users, or to remove access from an existing user, you will need to complete and return our Internet User Variation form.

There are three user access levels to choose from. Please see the table below for more details:

Full Access (Account Signatories) Full Access (Delegate) View Only Access (Delegate)
View current and historic statements * * *
Check balances, view recent transactions across current, deposit and business loan accounts. * * *
Pay bills to another person or company without the need for a cheque. * * *
Set up or amend Individual payment limits for Delegate users. * * *
Online service to allow 2 or 3 users to authorise all payments. * * *
Make up to 25 payments at one time with our Multiple Payments facility. * * *
Transfer money between your Bank of Scotland business accounts. * * *
Set or amend and cancel most standing orders. * * *
View and cancel most Direct Debits** * * View only
Print your statement or download it into a financial software package. * * *
View charge card accounts. * * *
Apply for a business loan, overdraft, savings account and Business Credit Card. * * *

Getting more from Business Internet Banking

Did you know, you can make payments, check balances, set up payment control, and much more. Here we show you how easy it can be.

Setting up your Business mobile banking app

We’ll show you how to download your app, and provide you with an easy to follow guide on how to set it up, using your phone, card and card reader.

Getting the most from your Business mobile banking app

Let us show you how easily you can check your balances, pay existing recipients, transfer money between accounts, and so much more, even on the move.

Making payments online

Making payments and transfers online is quick and simple to do, freeing up time, enabling you to focus on your business.

Delegate Access for Business Internet Banking

Did you know you can authorise other members of your business to access your business accounts? Find out how easy it is to set up Delegate ‘View Only’ or ‘Full Access.

Using Online Payment Control

You can set up Online Payment Control to allow any 2 or 3 of your registered internet banking users to authorise all online payments or you can set individual payment limits. Let us show you how easy it is to gain greater control over your business’ online payments.

Making international payments online

Let us show you how easy it is to make international payments online quickly and cheaply, freeing up time for you to focus on running your business.

Making bulk payments online

Find out how easy it is to set up and use our Bulk Payments service. We’ll show you how to apply for a Bulk Payments limit and set up regular payments, such as to suppliers or wages.

General

What can I do with Internet Banking?
How much does Business Internet Banking cost?
Can I view both my Retail and Business Internet Banking account at the same time?
What products can I find out about online?
How do I contact the Online for Business Helpdesk?
What devices can I use to access Online for Business?
Is there specific software I need to log in order to access Online for Business?
Can I access my accounts from anywhere in the world?
How do I make a complaint?

Registration

How do I register for Online for Business?
I have completed the Online for Business application form but forgot to save or print the pre-populated application form. How can I get a new form?
What is Delegated Access?
I am a Trust account holder, what level of Internet Banking access should I apply for?
How do I apply for delegate users on my account?
How do I amend/remove an existing user?
Can I change my user access after I've registered?
Can I close my Internet Banking account online?

General

What can I do with Internet Banking?
Our Internet Banking (also called Online for Business) is a quick, easy and secure way for you to manage your business finances when and where it suits you best. Internet Banking can save you time, effort and money.

You can:

  • View account balances and transactions for business sterling accounts.
  • Make payments, within payment limits, via Faster Payments or Bacs.
  • Make up to 25 payments in one batch.
  • Set up and manage standing orders.
  • View and cancel Direct Debits.
  • View transactions on your account.
  • View forecast payments and forecast cleared balances to help manage your money.
  • Apply for free Text Alerts - we'll send you your account balance and details of up to 6 of your most recent transactions to your mobile.
  • Set up delegate access allowing individuals other than the account signatory to access accounts online.
  • Set individual payment limits for Internet Banking users.
  • Set up multiple authorisations online – choose two or three of your Internet Banking users to authorise all online payments.
  • Make International payments.

How much does Business Internet Banking cost?
There is no charge for using the Internet Banking service. Charges may apply for operating your bank account and making transactions, and charges from your Telecoms Provider and/or Internet Service Provider (ISP) for using the Internet will still apply.

Can I view both my Retail and Business Internet Banking account at the same time?
No, you need to log on separately to access your personal and business accounts.

What products can I find out about online?

  • Business current account
    Visit our business accounts page for more information and to apply online.
  • Business loan
    Visit our business loan page for more information.
  • Business cards
    Visit our cards page for more information.

How do I contact the Online for Business Helpdesk?
You can contact them on 0345 300 2924 (+44 (0)131 339 8620 from overseas). Lines are open 24/7.*

What devices can I use to access Online for Business?
You can access Online for Business from your desktop computer, smart phones and tablets.

Is there specific software I need to log in order to access Online for Business?
No, Online for Business should run on any web browser with the equivalent functionality of Microsoft Internet Explorer v. 7.0 or above.

Can I access my accounts from anywhere in the world?
Yes, as long as you have internet access and your card and card reader.

How do I make a complaint?
Please follow the link for our complaints procedure. Alternatively, you can ask in branch for a voice your concerns leaflet which details the process. Clicking on any of the above links will open another window


Registration

How do I register for Online for Business?

You will need to complete an online registration form. This is completely secure and will only take a few minutes to complete.

Once you have completed the pre-populated form, sign it and post it to the address on the bottom of the form. If you do not receive your welcome pack after 12 working days, please call our Internet Banking helpdesk on 0345 3000 2924 (+44 (0) 131 339 8620 from overseas), lines are open 24/7*. Calls from abroad will be charged at the service providers published tariffs. Your call may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.

I have completed the Online for Business application form but forgot to save or print the pre-populated application form. How can I get a new form?
To get a new pre-populated application form, please call the Helpdesk on 0345 300 2924. Lines are open 24/7.*

What is Delegated Access?
You can choose to set different levels of online access for each of your internet banking users, depending on their role and your business requirements. There are three user access levels to choose from: Full access user (for account signatories only); Full access delegate user and View only user.

Please see the table below for more details:

Full Access (Account Signatories) Full Access (Delegate) View Only Access (Delegate)
View current and historic statements * * *
Check balances, view recent transactions across current, deposit and business loan accounts. * * *
Pay bills to another person or company without the need for a cheque. * * *
Set up or amend Individual payment limits for Delegate users. * * *
Online service to allow 2 or 3 users to authorise all payments. * * *
Make up to 25 payments at one time with our Multiple Payments facility. * * *
Transfer money between your Bank of Scotland business accounts. * * *
Set or amend and cancel most standing orders. * * *
View and cancel most Direct Debits** * * View only
Print your statement or download it into a financial software package. * * *
Apply for a business loan, overdraft, savings account and Business Credit Card. * * *
Trust account * * Apply for View Only access

I am a Trust account holder, what level of Internet Banking access should I apply for?
If you are a Trust account holder, you need to apply for View Only Access (Delegate). This option provides access to the business accounts held, enabling the user to see accounts, balances, recent transactions and historic statements, but not carry out any actions.

If you apply for Full Access your application will be returned to you and you will need to reapply for View Only Access (Delegate).

To apply for View Only Access (Delegate), follow the steps below:

Step 1. On the internet banking registration homepage please select “No” to the “Are you an Account Signatory?” question before pressing continue. 

Internet banking registration homepage:

Internet banking registration homepage

Step 2. You will then be taken to the Delegate registration form. On the printed delegate registration form that you complete at the end of the online process (see below) please check either the box marked “View Only access to all accounts” or “View Only access to the accounts selected below”.

Printed delegate registration form:

Printed delegate registration form

How do I apply for delegate users on my account?

A potential delegate user will need to register for Internet Banking - choosing the level of delegate access you have decided best fits their role.

Once we’ve processed your application we’ll post your welcome pack within 12 days. If you haven’t heard from us either by post or email (if you’ve provided your email address during registration), please call us on 0345 300 2924.

How do I amend/remove an existing user?
If you want to amend or remove an existing user, please complete an Internet User Variation Form. This form can be found under 'Manage Access to Accounts' in the right hand menu when you have logged into Business Internet Banking.

Alternatively, please call 0345 300 2924.

Can I change my user access after I've registered?
Yes you can. If you would like to change the access level for yourself or another user, you can do this by completing an Internet User Variation Form. You'll need to print and complete this, then return it to:
Bank of Scotland, Online Helpdesk, PO Box 800, Tredegar Park, Newport, South Wales, NP10 8SB.

Can I close my Internet Banking account online?
No, in order to close your Internet Banking account please call the Helpdesk on 0345 300 2924.

You can register for Business Internet Banking in three quick and easy steps.

Or visit us at your local branch, where a colleague can help to get you registered straight away.

Register now for Business Internet Banking to manage and control your finances online – saving you time, money and resources.

Register now

  1. Complete the Application form

    Time

    5-10 minutes

    What you need to do

    Complete the Business Internet Banking registration form, enter your details and choose a username and password (we recommend that you do not share this information with anyone else). Please have your account number and sort code at hand.

    Next Steps

    When you click 'Confirm' a copy of your application form will automatically be generated which you will need to print.

  2. Print, sign and return the application form

    Time

    3 working days

    What you need to do

    Please print and sign the application form, in accordance with the instructions on the form, and return it to the Freepost address at the bottom of this form. A copy of the Terms & Conditions will print out with the form, make sure you keep these for your records.

    Next Steps

    Once we have received and approved your signed application form, we will send you a welcome pack by post.

  3. Receive Welcome Pack

    Time

    7 working days

    What you need to do

    You will receive your welcome pack and card & card reader by post. Your registration for Business Internet Banking is now complete and you will have everything you need to log on to Internet Banking for the first time.

    Next Steps

    When you click 'Confirm' a copy of your application form will automatically be generated which you will need to print.

How to log in to Internet Banking

There are two methods of logging on to Internet Banking – using your card reader or memorable information. You’ll still need your card reader to make payments, set up recipients and for other transactions. Using memorable information is a safe and secure way to log in to Internet banking. Once set up you only need three characters to access your account making it quicker than using the card reader to log in.

What is memorable information?

Memorable information is a memorable word or phrase that you set up the first time you log onto Internet Banking.

This allows you to log in without your card and card reader, making it even easier and more convenient to access your business accounts online whenever and wherever is convenient to you.

When you log on in future you will be asked to enter your user ID, your password and you’ll then be given the option to use either your card reader or memorable information. If you choose memorable information you will be asked to enter three characters eg the second, fourth and eighth character. This allows you to log in without your card and card reader, making it even easier and more convenient to access your business accounts online whenever and wherever is convenient to you.

Best of all it will also enable you to use our Business Mobile Banking app which requires just three characters from your memorable information to log in, making it even quicker to access your accounts on the go.

What is a card reader works

Card readers generate unique, one-time passcodes used to help identify you and to confirm some of your online banking activities, especially payments. We’ll prompt you each time you need to use it and simple on-screen instructions will always guide you through the steps to take. Your card reader holds no personal information about you and does not need to be connected to a computer.

Find out more about how to use your card reader

*Occasionally we may need to carry out essential maintenance to our Online Banking services, resulting in some interruption to the service.

**UK Sterling Direct Debits only.

†Open from 7am to 10pm Monday to Friday and 8am to 6pm Saturday and Sunday. We are closed on Bank Holidays.