a digital service full of features
EFFORTLESS PAYMENTS
- Set up and pay new payees from the Coutts app.
- Tell us which websites you trust to speed up your online card payments.
- Approve your online card purchases using your Face ID, fingerprint or passcode.
- Create new standing orders.
Payments made to new payees over a certain value will need to be made on the desktop version as an additional layer of security. Face ID and fingerprint recognition available on selected devices.
THE BEST OF COUTTS IN ONE PLACE
- Chat with Coutts 24.
- Access our THANK YOU FROM COUTTS reward programme.
- Explore topical content from our investment insights to seasonal recipes.
- Switch your Coutts mortgage to a new rate.
- Arrange instant travel insurance cover with Coutts Travel Protection*
*Available to Coutts private current account holders, over 18, living in the UK, Gibraltar, Isle of Man or Jersey. Coutts Travel Protection is underwritten by AWP P&C SA and administered in the UK by Allianz Assistance except section A24 which is underwritten by Liberty Mutual Insurance Europe SE and administered by International Passenger Protection Limited.
important information about using our service
A smartphone or tablet with a recent version of iOS or Android is required to access our digital service. Read-only access will be provided to users age 11 to 16. Access to our digital service is at our discretion. To activate the service, we’ll need to hold an email address and mobile phone number. Face ID and fingerprint recognition available on selected devices.
to get started you'll need
- An smartphone or tablet with a recent version of iOS or Android.
- A username which our Digital Helpdesk will provide you.
- The mobile phone number you’ve registered with us.
Don’t have a username or need to update the number registered with us?
Call our Digital Helpdesk on 020 7770 0000.

4 simple steps to get set up
learn more about the steps you
need to follow to set up
- Download the Coutts app onto your smartphone or tablet by scanning the QR code (or searching ‘Coutts’ in the App store or Google Play).
- Open the new Coutts app and when prompted, select ‘REGISTER PASSWORD’.
- Enter your Coutts Online username that the Digital Helpdesk have provided you with.
- We’ll now send you an email with a link to create a new password.
- Click on the link within the email to register a password.
- Go into the Coutts app and select ‘I’VE REGISTERED MY PASSWORD’ at the bottom of the screen.
- Enter your username and the password you’ve just created.
- We’ll now text you a verification code, which you’ll need to enter to verify your account. You’ll then be prompted to set up fingerprint authentication, Face ID and a six-digit PIN. PLEASE DON’T SHARE THE VERIFICATION CODE WE SEND YOU WITH ANYONE – ONLY A FRAUDSTER WOULD ASK FOR THIS.
- You can now access your accounts via the new Coutts app or our desktop service (using the LOGIN button on coutts.com and then selecting PRIVATE LOGIN).
get started with the coutts app
frequently asked questions
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Select a question from the list
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How will you know it’s Coutts contacting you?
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Can you use our new digital service without a mobile phone?
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Can you use our new digital service without a smartphone?
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Can you access our new digital service with a poor mobile phone signal?
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What to do if you’ve not received your activation email?
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What to do if you’ve not received a text with your verification code?
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Why you need to make a payment on the desktop version when it’s over a certain amount?
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Which version of the Coutts app should I download?
- We’ll send you a letter when our new digital service is ready.
- Emails that we send to you will include your salutation and ‘person key’ (which starts 66 and is output in the bottom right hand corner).
Please be aware that:
- we’ll NEVER send you a link in our emails or text messages to a ‘Coutts Online’ login page
- we’ll NEVER ask you for your PIN or passcodes when speaking to you – only a fraudster will ask you for these
- we’ll NEVER contact you and ask to access your devices remotely – only ever allow someone to access your devices remotely if you’ve initiated the access
- emails and phone numbers can be SPOOFED so they look real – think twice before clicking on links and if something doesn’t feel or sound right, don’t take any action.
Further tips and guidance on staying safe online and protecting yourself from fraud can be found at coutts.com/fraud.
Yes, you can access our new app via your tablet or iPad instead of using a smartphone, but you’ll need a mobile phone to receive the activation code. Once you’re set up, if you’d prefer not to use a mobile phone, then we suggest using our new digital service via your browser for the best experience.
If you’ve attempted to activate your account at my.coutts.com and have not received an activation email from us, please check your junk items. If you’ve still not received your email, please contact our Digital Helpdesk on 020 7770 0000 to check that we hold the correct email address for you.
If you’ve attempted to activate your account at my.coutts.com and have not received a text with your verification code, please check your mobile phone signal in the first instance. If you still do not receive it, please contact our Digital Helpdesk on 020 7770 0000 to check that we hold the correct mobile phone number for you.
walk through our new features
Watch our series of short videos for step-by-step guidance on how to use our new features.
still need help?
set up a 'challenge word' today
You can ask us to set up a ‘challenge word’ of your choice which you can then ask anyone calling you who claims to be from the Bank to confirm. If they’re unable to provide the correct answer, you’ll know it’s a fraudster. Please contact your private banker or call Coutts 24 on 020 7957 2424 to arrange for this to be set up.