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Bank Accounts
Whether you’re looking for simple everyday banking or an account with benefits, we can help you find the right account to support you through life’s journey.
Explore our range of current accounts
Classic Account
Simple banking, no monthly fee.
- Get up to 15% cashback when using your Visa debit card at selected retailers. Merchant offers and cashback amounts vary. Online banking registration required. T&Cs apply.
- Earn interest of up to 3.00% AER when you add Vantage.
- Option to apply for an arranged overdraft. All overdrafts are subject to our assessment of your circumstances and are repayable on demand.
Silver Account
Get all the benefits of the Classic Account, plus:
- European and UK family travel insurance up to age 65
- AA Breakdown Family Cover with Roadside Assistance
- mobile phone insurance
- no debit card fees from us at home or abroad.
£11.50 monthly fee.
Platinum Account
Get all the benefits of the Classic Account, plus:
- Worldwide family travel insurance up to age 80
- AA Breakdown Family Cover with Roadside Assistance, National Recovery and At Home
- mobile phone insurance
- no debit card fees from us at home or abroad.
£22.50 monthly fee.
If you don’t qualify for our other accounts you could be offered a Basic Account, giving you all the great mobile banking app features.
Want more for your money? Add Vantage to your account
You can earn interest on balances up to £5,000 and enjoy access to exclusive savings rates and preferential travel money rates. Terms and conditions apply.
Youth and Student accounts
Take a closer look
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- In a branch cash and deposit machines, for notes and cheques. Limits and charges will apply.
- Withdraw cash, notes only, from any LINK cash machines. Most don't charge a fee.
- Withdraw or deposit coins and notes at Post Offices or Banking Hubs. Limits and charges will apply.
- Community Cash In & Out machines now let you deposit and withdraw cash at your local superstore, 24 hours a day, 7 days a week.
- Pay into your account quickly and easily at either a Deposit Machine, PayPoint stores or Post Office with enhanced banking services.
Get cashback in selected participating shops. You don't have to buy anything and can withdraw 1p to £50.
- You can find out about your options on LINK's Cash Locator: https://www.link.co.uk/cash-locator
- Some locations charge a fee to make a withdrawal or deposit. If they do, it'll be clearly signposted in store and on the machine. You'll be able to cancel the transaction if you don't want to pay the charge.
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We work with LINK to carry out assessments of places which might need better cash access services.
Concerned about access to cash in your area?
LINK may have already looked at your area and made a recommendation to make things better: https://www.link.co.uk/our-assessments
If not, you can request an access to cash assessment in your area:
https://www.link.co.uk/helping-you-access-cash/request-access-to-cash
You can appeal the result of LINK's assessment. www.link.co.uk/our-assessments/appeal-an-assessment
Want to know how decisions are made about cash?
Find out more about LINK’s process:
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Switch your account to us
Switching your current account to us couldn’t be simpler. Find out more about the benefits of a Bank of Scotland current account.
Upgrade for more benefits
Upgrading your Bank of Scotland account opens the door to a range of extra benefits from third party insurance providers. Monthly fees apply.
Bank accounts help
We're here to help you get the most out of your bank account.
Mandated by the Financial Conduct Authority, read our personal current account Service Quality Information.