Security information

Cookies Information

About cookies

Cookies are text files containing small amounts of information which are downloaded to your device when you visit a web site. Cookies are then sent back to the originating web site on each subsequent visit, or to another web site that recognises that cookie. Cookies are useful because they allow a web site to recognise a user’s device.

Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improve the user experience. They can also ensure that adverts you see online are more relevant to you and your interests.

With most internet browsers, you can erase cookies from your computer hard drive, block all cookies or receive a warning before a cookie is stored. If you want to know how to do this please look at the help menu on your web browser. However, please note that switching off or “opting out” of the use of cookies will mean that you may not be able to use certain features of the website. Find out more about the use of cookies and how to switch off cookies on or
The cookies used on our websites can be categorised in the following ways.

Strictly Necessary Cookies

These cookies are essential in order to enable you to move around the web site and use its features, such as accessing secure areas of the web site. Without these cookies services you have asked for, such as shopping baskets or e-billing, cannot be provided. These cookies don’t gather information about you that could be used for marketing or remembering where you've been on the internet.

Accessing your online account

Access to our online services requires the entry of your User ID, Password and PIN.

We will email your User ID to the email address supplied during application stage. If you provided a mobile number when you registered, you’ll receive your password by SMS. If you didn’t provide a mobile number we’ll call you to tell you your password.

The first time you login you’ll be asked to create a PIN. Then, each time you access our online mortgage service you’ll be asked for your user ID, password and specific numbers from your PIN. Always take reasonable steps to keep your login information confidential.

Keep Passwords safe by:

  • Not writing down or storing your Password or PIN on your computer.
  • Not giving anyone else access to your Password or PIN. We'll never contact you to ask you for this information — if you get an email or a phone call asking for this information,it is likely it is fraudulent activity. .
  • Changing your Password or PIN immediately if you think that someone else knows it — you can do this by logging on to our online service and selecting the 'Security Information' option in the left hand menu.

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Make sure your Password is secure

Choose a 'strong' 8 to 16 character password for our online service and changing it regularly. Use a mix of letters and numbers (like c4t or d0g), that you can remember without writing down. And avoid using words that may be easy for others to guess, such as the name of a family member or pet.

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Important security advice

You can also visit the Get Safe Online website, which provides independent expert security advice created with the UK government and the Serious Organised Crime Agency. You can find out more about how to protect yourself against online threats such as unwanted email, viruses, spyware and popups as well as online fraud such as pharming, phishing and identity theft.

Be careful where you log in

We strongly advise you not to use our online service on publicly accessible computers, in places such as internet cafes, as they are not always secure.

Don't choose or change your Password or PIN on a computer in a public place.

If you are using our online service in a public place or in the office, don't leave the computer unattended while you are logged in, and take care that no-one is watching what you type.

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Always log out

Always click 'Logout' when you've finished using our online service wherever you are, and always close your browser. This will prevent others from gaining access to your online account.

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Secure Session

Site certificates form an essential part of providing reassurance that the site you are visiting is genuine. A site certificate shows you that a secure connection has been established and secure communication can take place. It will also demonstrate that you are not being tricked to enter your details on a fraudulent website.

There are two ways you can see if you have a secure connection. Once a secure connection is established:

The first few characters of the web address in your address bar will change from the usual http to https — the ‘s’ stands for secure.
You'll see a little padlock icon, in the locked position, appear in the bottom right-hand corner of your screen.
Check for a secure connection every time you log on. It helps to keep your data safe.

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What do I do if I receive a suspicious email (phishing)?

We may occasionally email you, however we will never email you requesting your login details or direct you to a web page that asks for this information.

You can help protect yourself from fraudulent emails by:

  • never responding to suspicious emails,
  • checking for your name at the top of the email — fraudsters are unlikely to address you personally
  • never disclosing your login details
  • using up-to date anti-virus and firewall software.

If you receive an email that looks like it may be from Scottish Widows Bank but you suspect is fraudulent, please forward a copy by email.

This information will be used to help reduce online fraud.

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View last time you visited

When you log in to our online service we display the date and time you last logged in to our service so that you can verify there has been no unexpected online activity since your last visit.

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Timeout Facility

You'll be logged out automatically from our online mortgage service after 5 minutes of inactivity. This reduces the risk of anyone accessing the service if you leave your computer unattended or forget to log out.

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Blocking access

If three consecutive attempts are made to log in using an incorrect Password, we'll automatically disable access to your account. You can re-activate your account by contacting us on 0345 845 6789. Lines are open 9am to 5pm Monday to Friday.

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Support for you

If you suspect that your security details have been breached, pleased call us on 0345 845 6789. Lines are open 9am to 5pm Monday to Friday.

Please remember that we’ll never ask for your log on details by email or telephone.

Scottish Widows Bank is a trading name of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.