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Here is our most popular current account.

  • No charges for everyday transactions - just stay in credit.
  • Up to £25 interest and fee free Planned Overdraft1.
  • Earn up to 3% AER (2.96% Gross) variable on balances of £3,000 to £5,000 when you add Vantage

 Apply now  Plus all the usual current account features you’d expect
Find out more about Classic Account.

Upgrade your Classic Account

Upgrade your Classic Account to one of our Added Value Accounts that come with additional benefits2, for a monthly fee..

 More about upgrades 

Move to Bank of Scotland

You can switch your account to a Classic Account in just 7 working days. It’s simple, just apply for the account and select the option to switch at the end of the application form.

 More about switching 

Representative example

If you use a Planned Overdraft limit of £1,200 on our Classic Account the
overdraft interest rate we will charge on the first £25 will be 0% EAR variable.
The overdraft interest rate on the next £1,175 will be 19.94% EAR variable and a Monthly Overdraft Usage Fee of £6 will apply.

We also have a variety of other accounts which may suit your needs:

Glossary of common terms

AER 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 The contractual rate of interest payable before the deduction of income tax at the rate specified by law (currently 20%).

1Overdrafts are repayable in full on demand and subject to application and approval.

2We use a range of third party insurance providers for the benefits on these accounts (exclusions apply).

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.

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.


Your money is protected by the FSCS

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