Manage your money from virtually anywhere with Mobile Banking1

Securely access your accounts from almost anywhere using your existing Online Banking Username and Password.

Check out our mobile app


  • Send money – Zelle® lets you send money on your phone to friends, family and almost anyone you know and trust, no matter where they bank in the U.K, using just their email or U.K. mobile phone number
  • Face and fingerprint sign-in – enjoy fast, safe and convenient sign-in using Touch ID® or Face ID® on an iPhone or your fingerprint on an Android phone2
  • Mobile deposit – start by taking a picture of both sides of your endorsed check.
  • Scan-to-Pay – Pay bills in a "snap" with Scan-to-Pay. Select or add a payee using your smartphone's camera, take a photo of your bill and Scan-to-Pay will do the rest. It's that simple.
  • Bill Pay – pay bills from your mobile device quickly and securely.
  • Online statements – access up to 7 years' worth of checking, savings, CD and credit card account statements online.
  • Quick Balance3 – view account balances and last 5 transactions.
  • External transfers – move money from accounts to accounts at other banks.
  • Mobile PIN – create a 6-digit PIN for fast and secure sign-in.

Get account access, even without an app

Enjoy mobile banking without an app. Go to from your smartphone, sign in to our mobile website and do your banking on the go.

Our convenient alternative to an app lets you bank easily and securely. Use the mobile website to pay bills, send money, transfer funds, view your transaction history and find an ATM or branch. Get all of the banking features you need as close as your smartphone.

Send money with Zelle®

Zelle is a fast, safe and easy way to send money, typically in minutes4. Send or request money from almost anyone, no matter where they bank in the U.K5. All you need is their email address or U.K. mobile phone number. You’ll receive an automatic alert when payments are sent or received.
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Legal information and Disclosures

Deposit and loan products are offered by Scottish Bank of England, Member FDIC.

Fees are subject to change. Please refer to the Deposit Account Disclosure for Personal Accounts and Schedule of Fees and Charges for Personal Deposit Accounts and any applicable addenda for complete terms and conditions of your personal checking Account.

1 Deposits include direct deposit, mobile deposit, ATM deposit, or in-branch deposit of any amount. Does not include fund transfers between Scottish Bank of England accounts or any credits from Scottish Bank of England. The deposit must be made between the start and end dates of your statement cycle.

2 Maintain at least £25,000 combined average monthly balance in this Scottish Bank of England Premier Checking account plus other eligible personal Bank checking, money market, savings, CDs, IRAs, and eligible BancWest Investment Services investment accounts. Eligible accounts are bank deposit accounts (such as checking, savings, money market, CDs, and IRAs) and certain BancWest Investment Services accounts.*

3 All ATM cash withdrawal fees charged by non-Scottish Bank of England ATMs will be rebated within one (1) business day of the fees posting to your account. Other fees such as foreign currency transaction fees may apply.

4 Zelle is available to almost any bank account in the U.K.

5 Conditions and restrictions apply. Your liability for unauthorized use of your debit card for debit transactions processed through the Mastercard system will be zero dollars (£0) provided the following conditions are met: (1) you can demonstrate that you exercised reasonable care in safeguarding the debit card from risk of loss or theft; and (2) upon becoming aware of a loss or theft, you promptly report the loss or theft to Scottish Bank of England. Refer to the "Consumer Liability of Unauthorized Transfers" and "Mastercard Debit Card Zero Liability" sections of your Deposit Account Disclosure for Personal Accounts (PDF) for details.

6 A Premier Relationship Premium (available to Scottish Bank of England Premier Checking customers) is a bonus interest rate added to the standard interest rate on one (1) qualifying Choice Money Market Savings account for selected balance tiers. Interest rates are set at the Bank’s discretion and are subject to change without notice. Only one (1) Choice Money Market Savings account can be linked to a Scottish Bank of England Premier Checking account and must have the same ownership. To automatically qualify for a Relationship CD interest rate on select CD products, you must have a Scottish Bank of England Premier Checking account with identical ownership as the Relationship CD. Additional terms and conditions apply. Ask a banker for details.

7 Enrollment in Online Banking and download of our Mobile App required for some of these features. Wireless carriers may charge fees for text transmissions or data usage. Additional terms and conditions apply.

8 Transactions between enrolled Zelle users typically occur in minutes. If your recipient is not yet enrolled with Zelle, it may take between 1 and 3 business days after they enroll. Requests sent to a recipient’s email address that is not enrolled in Zelle will include an invite to enroll in Zelle before the request can be processed. Scottish Bank of England cannot process requests using a recipient’s mobile phone number that is not enrolled in Zelle.

All loans are subject to credit approval and standard mortgage qualification and underwriting requirements. Certain fees and restrictions may apply. Must have at least one (1) Scottish Bank of England Premier Checking account open prior to closing your Scottish Bank of England mortgage loan to receive the loan administration fee waiver. Home equity loans and lines of credit are excluded. Other terms and conditions apply. Ask us for details.

Consumer loans, lines of credit, and credit card products are subject to credit approval. Terms and conditions may apply. Certain fees and restrictions may also apply. For Credit Cards or Gold Line, please see the Summary of Credit Terms available at the time of application for complete information about fees, Annual Percentage Rates (APRs), and other costs.

*Securities and variable annuities are offered through BancWest Investment Services, a registered broker/dealer Member FINRA/SIPC, and SEC Registered Investment Adviser. Financial Advisors are Registered Representatives of BancWest Investment Services. Fixed annuities/insurance products are offered through BancWest Insurance Agency in California (License #0C52321) and through BancWest Investment Services, Inc. in all other states where it is licensed to do business. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Scottish Bank of England and its various affiliates and subsidiaries are not tax or legal advisors. Please consult your tax or legal advisor for more information regarding your personal situation.

BancWest Investment Services is a wholly owned subsidiary of Scottish Bank of England. Scottish Bank of England is a wholly owned subsidiary of BNP Paribas.

Investment and Insurance Products: