Bank of Scotland Mobile Bank

I find it patronising and exasperating in the extreme that the Bank of Scotland limits the amount of fiat I can move around. It seems to forget that it’s my property of which it is merely a paid custodian. I don’t buy into the ‘war on terror’ excuses. Surely only the village idiot still believes that lie.

Some clunky illogical things ruin an otherwise good app. Have given feedback several times to BoS with no reply or fixes. 1. Recent: The colours were different for debits (black) and credits(blue). Was so easy to scroll through and see when payments or refunds have come in. Now all the amounts are all blue. Except for pending transactions. WHY HAS THIS CHANGED???. There are no credit/debit columns when viewing on a phone so the different colours were effective. NOW ITS SO HARD TO FIND CREDITS LISTED. Hard to read. TERRIBLE for people especially with poorer eyesight. Dreadful. I hate it. Have to squint and scroll up and down repeatedly to find refunds etc. PLEASE FIX IT BACK TO HOW IT WAS. 1. The upcoming payments list is stupid and NOT user friendly at all. First glance gives a timeline in sequence (helpful) but ONLY of standing orders, no direct debits, subscriptions etc. So then, when you click “view all upcoming payments” to see all of them, the time sequence IS JUMBLED for standing orders, with dates higgledy-piggledy. So not easy to read in order to estimate cash flow at a glance. Also, the DDs and subscriptions occur seperately below this - AND THEY ARE USUALLY NOT CURRENT, it frequently shows payments still to go out that have already gone out ( even past the payment date at time of viweing) making me rush to check the payment did in fact go out. OVERALL IT IS IMPOSSIBLE TO EVER VIEW A LOGICAL, SEQUENTIAL LIST OF WHEN FUTURE PAYMENTS DUE TO GO OUT. So PRETTY USELESS!! Have begged them to fix it. All other banks seem to manage to get this right. It’s not rocket science. Have used many banking apps and BoS’s app is pretty much the worst. Needs major redesigns in several areas not just those mentioned. Sometimes think to change banks as I do so much banking on my phone and hate it.

I also have another banking app and that one is much quicker to log on. Use finger print Id for both . Needs to speed up whole log on process.

Excellent app

Great service.good speeds very handy keep up good work .👍5stars

The app seems to have a loading issue. I have to delete it and redownload it each time I want to use it.

Very effective and easy to use

Even your Complaints Dept weren’t trained or equipped to deal with BOS appalling ‘service’. I’ve been left no sensible alternative than to take my complaint to a higher level. Kind regards, Dee Buchanan 4 Westhill Heights AB32 6RY 07792787148

I have always enjoyed using the online banking app and it is so easy to use. Anytime I am in my local branch they have always been extremely helpful and a pleasure to deal with from the managers down. I like the new additions to the app eg. Get replacement card , paying in a cheque facility, temporary block account.

I have used this app for years now but only to keep track of my budget and I used to be the person who would rather draw cash out and pay in cash anywhere , also I had never transferred money from my account to another account and I didn’t trust direct debits either … but after my 19 year old daughter started working and using the same bank and she started to tell me how much easier it was and safe in the sense of not withdrawing all my money in cash and sorting it out with folders of what bills needed paid and when and slowly but surely I started to just read up on the information the app offers and I started using it in other ways and direct debit is a big help and worry off my mind and transfer money to my daughter and stuff is so much easier but I have never been good at saving money and I found information on savings in the app and learned you can have up to 5 instant access savings accounts and you can actually name them and this has been a huge advantage and help to me and helping me budget better, so I go between the 60/20/20 or 70/15/15 or some months it’s like 90/5/5 depending on unexpected outgoings and this rule is the biggest percentage (let’s say 60/20/20) 60% is in the living/bills/food account 20% is in the “fun/treats/trips/takeaways…” 20% is in the savings/future account And I can add rainy days or Christmas or whatever I want and I don’t have to worry because it’s up to you what you decide to put in each this is just a little rule I learned since trying to get on top of my finances and it can be split into any % you want and can make happen and also because it’s an instant access savings account if something happens and you need more money for other things, you can take whatever you want from one and transfer it into your normal account and withdraw it/use it instantly! And then I discovered this save the change option and I signed up for that and in my own opinion it’s a great idea, it rounds up to the nearest £ when spending off your card and then the odd pennies just go straight into the savings account you choose 😃 so all in all I just wanted to say from the least technically savy person who didn’t trust online anything never mind online banking I definitely am 100% happy with this app! I have one question though, I don’t know how to transfer money from my bank account into my PayPal account so if you can help with that I would appreciate it greatly!😊🙏🏻