Banking. Mobile Banking. Manage your money on the move.

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1 Banking Mobile Banking. Manage your money on the move. 2

2 Nowadays you can keep on top of your account even when you re miles from the bank.

3 Mobile Banking. With our Mobile Banking service, you can stay on top of your finances on the go. There are so many things you can do on your mobile phone, from checking your account balance when you are out and about to viewing statements and receiving Text Alerts. To access your accounts through Mobile Banking you need to be registered for Internet Banking. Our Mobile Banking service gives you the choice of two simple ways to log in to your accounts on your mobile: 1. Our free to download Mobile Banking app. Available from major app stores. 2. Or you can log in straight from your mobile browser via bankofscotland.co.uk To download our Mobile Banking app directly to your phone, simply visit mobile.bankofscotland.co.uk With our Mobile Banking app you can also: Find a Bank of Scotland branch, ATM or LINK ATM in the UK. Make payments to new and existing recipients Transfer funds between your UK personal current and savings accounts Find useful Bank of Scotland phone numbers. Although we don t charge for Mobile Banking, your mobile operator may charge for some services, so please check with them. Services may be affected by phone signal or functionality. Our Mobile Banking app Branch and ATM finder is available to all. Other Mobile Banking services are only available to our UK personal customers and registration may be required. Terms and conditions apply. 2

4 Text Alert Service. To help you manage your current account on the move you can easily set up some of the following Text Alerts. Limit Alerts. We can send you a text to let you know when you re near or over your account limit, so you can pay in enough money as soon as possible to cover all your payments. The money needs to be cleared funds, so you can pay in cash or transfer money from another personal account you have with us using Internet Banking, Mobile Banking app or Telephone Banking. High and Low Balance Alerts. With High and Low Balance Alerts you can keep track of how much money is in your account. The alert will be sent out when your account reaches a high or low amount previously specified by you. When there s extra money in your current account we ll send you a High Balance Alert so you can move money into your savings account. We can also send a Low Balance Alert so you can make sure you have enough money in your account to cover your outgoings. Overseas Transaction Alerts. For added security if your Visa debit card is used abroad, we ll text to tell you whether it was a purchase or withdrawal from a cash machine. This should make it easier for you to spot any fraudulent transactions on your account and give you time to tell us about them. Weekly Balance Alerts. Simply choose the weekday and time you d like us to send you a weekly text with your balance and last six transactions and we ll set it up for you straight away. Between 11 and 15 years old. If you re aged 11 15, with an Under 19s account, you can apply for Weekly Balance Alerts and Overseas Transaction Alerts. Just come into a branch with a parent or guardian to register. 3

5 Signing up. Before you sign up for any of our Text Alerts, make sure: You have a Bank of Scotland current account with a Visa debit or Cashpoint card. Your mobile phone is active, in your possession and the number you ve registered is up-to-date. How to sign up. 1. Online. Log into Internet Banking at bankofscotland.co.uk/register and select Mobile Banking from the menu. 2. Phone. Call us on to register. 3. In branch. Or call into your local branch. Remember. Keep this leaflet to hand so you can refer to it as you set up your services. 4

6 How to set up Text Alerts online. Follow the on-screen instructions. Here are the two steps you ll need to go through: Step 1. Log into Internet Banking at bankofscotland.co.uk/register and select Mobile Banking. Step 2. Choose one or more of the following Text Alerts from Mobile Banking: Limit Alerts High and Low Balance Alerts. Weekly Balance Alerts. Overseas Transaction Alerts. Alternatively, call now on (lines open 8am 8pm Mon Fri, 8am 6pm Sat and 9am 5pm Sun) or visit your local branch. 5 Technical support. For technical questions call us on or from overseas, Monday to Friday 8am to 9pm and Saturday and Sunday from 8am to 8pm (UK time except Christmas Day).

7 Keeping you secure. Your security is our highest priority when you are banking. So, like all our services, Mobile Banking comes with a number of safety features and recommendations which offer a high level of protection. Phone and text safety. You should protect your account information by deleting the text after you ve read it and by setting a PIN on your mobile phone and changing it regularly. Never click on any links within a text if you are in doubt about its source. Security. You can find all the latest security information and guidelines on your Internet Banking welcome page. 6

8 Information about using Mobile Banking. 1. Pausing or stopping Text Alerts. You may cancel, pause or change your Text Alerts at any time. You may want to pause your Text Alerts when you go abroad. Your mobile operator may also charge higher rates for using Text Alerts, so you should check with them before you travel. It s a good idea to check with your provider whether you re allowed to receive financial or encrypted information through your mobile phone while you re abroad. 2. Changing your mobile number. If your mobile phone number changes, you can let us know by updating it via Internet Banking, calling us on or visiting us in branch. 4. Glossary. Here are the abbreviations we use on Text Alerts: BGC: Bank giro credit DEB Visa debit card BP: Bill payment DEP: Deposit CHG: Charge EUR: Euro Cheque CHQ: Cheque FE: Foreign Exchange COMM: Commission IB: Internet Banking COR: Correction INT: Interest CPT: Cashpoint OTH: Other CR/DR: Credit/Debit PAY: Payment CSH: Cash PSV: Paysave CSQ: Cash and cheques SAL: Salary DD: Direct Debit SO: Standing order 7

9 Terms and Conditions. These terms add to and should be read with your Bank of Scotland Bank Account Conditions. About our Text Alerts. In these terms, you are the customer registered for our Text Alert Service. We are Bank of Scotland plc. These terms are in addition to the terms of your account. Our Mobile Text Alerting Service allows us to send you information about your personal current accounts and credit cards (including those in joint names) to your mobile phone. Our range of Text Alerts. Overseas Transaction Alert (Minimum Age 11). When is it sent? Important Information. When your debit card has been used to obtain cash, or authorise a payment outside the UK (excluding purchases made on websites, by telephone or mail order from overseas companies). These texts can be sent anytime, 24 hours a day, 7 days a week, although we will not send more than 3 alerts in any 24 hour period. You must have a Visa debit card on your account. Customers aged must have an Under 19s or Expresscash account. We are usually notified by overseas banks/retailers when your card is used, but this may vary depending on the country where your card is used. Limit Alerts. If you register for Limit Alerts, we will send you both Near Limit and Over Limit Alerts. You can contact us to find out how much you may need to increase your available funds by. Near Limit Alert (Minimum Age 16). When is it sent? Over Limit Alert (Minimum Age 16). When is it sent? Important Information. Balance Alerts. Weekly Balance Alert (Minimum Age 11). When is it sent? Important Information. High Balance Alert (Minimum Age 16). When is it sent? Low Balance Alert (Minimum Age 16). When is it sent? Once on the first day that you have less than 50 of available funds in your account. The text is sent before 10am UK time Mon Fri (excluding Bank Holidays). Once each day that you do not have enough funds in your account for payments due out that day. These texts are sent before 10am UK time Mon Fri (excluding Bank Holidays). If you do not have available funds in your account to meet your payments, you may incur charges. Please see your account terms and conditions for more details. Once a week, Mon Fri, on the day and time you choose (excluding Bank Holidays). This alert shows your account balance and up to the last 6 transactions. Customers aged must have an Under 19s or Expresscash account. Once on the first day your closing account balance equals or exceeds the limit you have set. The text is sent before 10am UK time Mon Fri (excluding Bank Holidays). Once on the first day your closing account balance equals or is less than the limit you have set. The text is sent before 10am UK time Mon Fri (excluding Bank Holidays). 8

10 General. Is there a charge for Text Alerts? Can I register more than one mobile number for Text Alerts? Key things to remember. Liability. Pausing Text Alerts. Cancelling registration. Can we change or end this agreement? We don t charge but your network operator may charge for some services (e.g. receiving Text Alerts abroad) so please check with them. No. You can only register one mobile number for Text Alerts (which must be registered with a UK network operator). This will apply to all your personal accounts with us. Joint account holders can each register independently. Remember: they are designed for use in the UK. It may be unlawful to use or receive them in some countries. If it is, you should pause the alerts you receive. you are responsible for complying with local laws and for losses that result from you breaking them. you are responsible for making sure no-one has access to confidential information shown on or stored in your mobile phone. they are sent once and can t be sent again. they are accurate when they are created by our systems. Funds available in your accounts may change before and after you receive them. you may not be able to access or receive them when we or our suppliers are repairing, updating and doing routine maintenance to systems used to provide this service. there may be a slight delay between registering for them and them becoming active on your account. We will not be liable if Text Alerts are unavailable at any time, or if you do not receive an alert promptly or at all for reasons in your control (e.g. your phone is switched off, out of range or roaming, or has changed, been lost or stolen). If we do not provide Text Alerts (other than as a result of reasons set out above), or we provide Text Alerts that are inaccurate, we will only be liable for charges on your account that you could otherwise have avoided paying. You can pause all Text Alerts for all your accounts online through Internet Banking or by calling or visiting us in branch. If you want to stop receiving Text Alerts: log in to Internet Banking to manage your choices. call or visit us in branch. Yes. If we give you at least 60 days notice, we can change these terms and conditions, introduce or change charges, or end this agreement. Security. What do I do if I change my mobile number, or my phone is lost or stolen? Other Information. You must tell us immediately by logging in to Internet Banking and updating your details. If you are not registered for Internet Banking, call our helpdesk on (for UK accounts) If you fail to do so: you will not receive your Text Alerts. we will not be liable if someone else finds out your account information as a result of not updating us. All information we give you and all communications between us will be in English. These terms and conditions are governed by the law that applies to the account you are accessing (e.g. if English law applies to your account, English law will apply to your use of Text Alerts). The courts of that jurisdiction will also be able to deal with any legal questions connected with these terms. Third parties may impose other costs or taxes in connection with Text Alerts. We may choose not to enforce or rely on one or more of these terms at any time, but we reserve the right to start applying them again at any time. You may contact us about Text Alerts by calling (7am 10pm Mon Fri, 9am 6pm Sat and Sun) or visiting any branch (if your account is held in the UK), or by calling +44 (0) (if your account is held with us outside the UK). For other contact details and information about how we are regulated, please see bankofscotland.co.uk 9

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12 If you d like this in another format such as large print, Braille or audio please ask in branch. If you have a hearing or speech impairment you can contact us using Text Relay (previously Typetalk) or Textphone on or you can call us on if you prefer not to use our 0845 number (lines are open 9am-5.30pm, 7 days a week). If you are Deaf you can use BSL and the SignVideo service available at signvideo Important information. Please note, although you can use Mobile Banking to give us instructions 24 hours a day, 7 days a week, some instructions, such as those given after 10pm or at weekends, cannot be processed until the next working day. Please speak to an adviser for more information. Cashpoint is a registered trademark and is used under licence by Bank of Scotland plc. We may monitor or record phone calls with you in case we need to check we have carried out your instructions correctly and to help improve our quality of service. If you need to call us from abroad, or prefer not to use our 0845 number, you can also call on +44 (0) Bank of Scotland plc. Registered in Scotland No. SC Registered office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number We are covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. Information correct as at March / (03/14)