Classic Account


Earn up to 3% AER variable interest on your Classic Account with Vantage

Just pay into your account at least £1,000 each calendar month and keep your account in credit (that is above £0) during the monthly billing period. It doesn’t cost you anything to add Vantage.

Plus, get all the usual current account features you'd expect:

  • No charges for everyday transactions - just stay in credit
  • A Visa debit card
  • Up to £25 interest and fee free planned overdraft (subject to application and approval)
  • 24/7 Mobile, Internet and Telephone Banking


Apply now for a Classic Account


Earn up to 3% AER variable on balances up to £5,000


•  No charge for everyday transactions when you’re in credit.

•  A Bank of Scotland Visa debit card that can be used in shops, online, over the phone and to withdraw cash from ATMs worldwide. There’s no charge to withdraw cash from any of our wide network of Cashpoint® machines (a charge may apply at other ATMs).

•  A planned overdraft that can help when you need some extra cash. Don’t worry, it’s quick and easy to apply for and set one up through Internet Banking. Once approved you can access the money straightaway. If you do slip into the red unexpectedly, we may agree to cover your payments with an unplanned overdraft. However, there are charges and interest for planned and unplanned overdrafts. Overdrafts are subject to status and repayable in full on demand.

•  Interest and fee free planned overdraft up to £25 (subject to application and approval) -  how much we lend is subject to our assessment of your circumstances. You must be 18 or over. Overdrafts are repayable in full on demand.

•  £10 overdraft buffer. No overdraft fees or interest to pay if you go overdrawn (either planned or unplanned) by £10 or less.

•  Mobile, Internet and Telephone Banking. Secure services where you can do everything from checking balances and payments to transferring money, and a whole lot more.

Classic Account add-ons

Vantage – interest at no extra cost
Vantage is a free addition for your current account giving you the benefit of credit interest on your current account. Vantage interest rates are tiered on balances up to £5,000 when you meet the Vantage conditions.

Find out more about Vantage

Control – make it even easier to manage your money
For £10 a month Control can help you stay on top of your finances and avoid unarranged overdraft borrowing. There are some exceptions to this, which mean you could still go into an unplanned overdraft, including, if you've used your Visa debit card somewhere where a retailer can't check with us, like on an aeroplane, and if the planned overdraft limit on your account is reduced and you don't have enough money to keep within your new limit

Find out more about Control

Save the Change® - spend and save at the same time
Sign-up to Save the Change® and every time you make a purchase with your Classic Visa debit card, the difference will be rounded up to the nearest pound and transferred from your current account into an eligible Bank of Scotland savings account.

Find out more about Save the Change®

More information

Bank of Scotland Bank Account conditions (pdf)

Classic Account Welcome Pack (pdf)

Interest rates & fees

Apply for the Classic Account today

As part of our online application, you'll need to confirm that you:

  • do not have a current Classic Account with us
    (unless applying for an additional account)
  • are aged 18 or over
  • are a UK resident
  • are an EU national or have permission to stay
    in the UK for at least 12 months

Apply now for a Classic Account

Upgrade your Classic Account exclusively online

You can upgrade to one of our Added Value Accounts, only through Internet Banking. You’ll get standard bank account features, but also a range of additional benefits from third party insurance providers for a monthly fee. Classic Account upgrades not available in branch or over the phone.

Classic Account upgrade options

When using your Bank of Scotland Visa debit card abroad please note that fees and charges will apply.

Account opening is subject to our assessment of your circumstances and to you meeting all eligibility conditions. Benefits are subject to application and approval.

Overdrafts are repayable in full on demand.

Save the Change® is a registered trademark and is used under licence by Bank of Scotland plc.

You have to register for Internet Banking and Telephone Banking.  Terms and conditions apply.

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

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 except for lending for which we are licensed by the Office of Fair Trading.