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Bank of Scotland Internet Banking
Here's what you can do with Bank of Scotland Internet Banking. As well as the obvious balances (on all accounts), you can access statements back as far as your last 60 transactions, which is reasonable (there are better products out there though!). Onscreen, you can also sort alphabetically or by the nature of payment (e.g. bills). Bill payments, money transfers and management of standing orders are all catered for. Also, any other accounts you hold with HBOS are available to view- for example your credit card or mortgage.
There are a couple of neat innovations. For starters, you can order your holiday money online- not many other banks do this, and it's a real bonus if you're a regular traveller. Then there's Web Saver, a savings tool which allows you a choice of fixed and variable rate savings products, all managed online, so you can save different pots of money for whatever you want- holidays, Christmas, hi-fi etc.
An online guarantee ensures your security (be sure to read the conditions though). Furthermore, if you initially create your Bank of Scotland account online, you'll automatically be registered for Bank of Scotland Internet Banking too- which means you needn't wait for passwords or documentation before you begin. One downside is that there's no hint as to how or when help is available.
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