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Bank accounts

Do you want a good all rounder? Or a more personal bank account? Whatever your needs, wherever you are, we offer a range of bank accounts to help you on life’s journey.

Classic Account

Our simplest current account, perfect for starting out with us.

  • Access to our Internet Banking and Mobile Banking, 24-hour telephone services as well as any of our branches in Scotland.
  • Earn interest on your credit balance by adding Vantage.
  • Free mobile text alerts.
Classic Account

 Apply today  Discover more

Platinum Account

A current account packed with benefits for only £17 per month.

  • Worldwide Travel Insurance for you and your family including winter sports cover. All cover stops on the account holder’s    
    80th birthday.
  • AA Breakdown Cover with Roadside Assistance, Relay, Home start and Accident Management.
  • Mobile Phone Insurance.
  • Card Loss Assistance.
  • Earn interest on your credit balance by adding Vantage.
Upgrade to a Platinum Account today

 Discover more


We also offer a range of accounts to suit different needs, whether you need additional features, an account that supports you through higher education, after you graduate or even something tailored for young people. Why not compare our bank accounts today?

Earn interest on your balance

With Vantage you can earn 3% AER (2.96% Gross) variable on your balance of £3,000 - £5,000 and it is a free add-on for your current account. Simply pay at least £1000 into your account each calendar month, stay in credit (above £0) during the monthly billing period, and pay at least two different Direct Debits from your account each calendar month.

Lower interest rates apply to lower tiers.1


Upgrade to an account with additional benefits

If you already have a current account with us, why not upgrade to one of our Added Value Accounts that come with a range of additional benefits provided by third party insurance providers, for a monthly fee (exclusions apply).

 Upgrade options

Switch your current account to us

Current Account Switch GuaranteeSwitching to us is now faster and more convenient with the Current Account Switch Service.

Find out more about the benefits of switching to us.

 Switch to us

Useful help and information

Find out about useful features and helpful information to assist you in getting the most out of your Bank of Scotland current account.

Mobile Payments

Make secure contactless and in-app payments with your mobile device.

  Find out more


Important changes from 6 April 2016

The government is introducing a tax-free Personal Savings Allowance on the interest you earn on your savings and interest paying bank accounts.

AER is Annual Equivalent Rate - this illustrates what the interest rate would be if interest was paid and compounded once each year. This allows individuals to compare more easily what return they can expect over time.

Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HMRC.

Account opening is subject to our assessment of your circumstances and to you meeting all eligibility conditions. You need to be aged 18 years or over, a UK resident and either an EU national or have permission to stay in the UK for at least 12 months.

1No interest is paid on amounts over £5,000. Interest is paid monthly - 3.00% AER (2.96% Gross p.a.) variable on balances from £3,000-£5,000, 2.00% AER (1.98% Gross p.a.) variable on balances from £1,000 - £2,999.99 and 1.50% AER (1.49% Gross p.a.) variable on balances from £1 - £999.99.

Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628. We subscribe to The Lending Code.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). For further information about the compensation provided by the FSCS, refer to the FSCS website at www.fscs.org.uk/. You can also visit our Financial Services Compensation Scheme page for more details.