Classic Account

Our simplest current account perfect for starting out with us.Classic Account

  • With Vantage, earn 3% AER (2.96% Gross) variable interest on your balance of £3,000 - £5,000. Vantage is a free add-on to your account.
  • Access to our Internet Banking and Mobile Banking, 24-hour telephone services as well as any of our branches.
  • A great range of tools you can add to your account, such as Control.
  • A VISA debit card enabled for contactless payments.
  • Free mobile text alerts.

Please note, with Vantage lower interest rates apply to lower tiers1. No interest is paid on balances over £5,000. Interest is paid monthly.

Applying for a Classic Account today

Apply for a Classic Account using our simple application form and we should be able to give you a decision within 10 minutes.

 Apply now for a Classic Account

You can add Vantage during your Classic Account application.

More information about the Classic Account

Please be aware we are making some changes from 22 November 2015 to the conditions of our bank accounts, read the Changes to your Bank Account Conditions section of the Bank of Scotland Bank Account conditions for full details.


This account comes with up to £25 interest and fee free Planned Overdraft (subject to application and approval).

Any overdraft we agree is repayable on demand, including any fees or interest and subject to application and approval. You must be 18 years old or over to apply.

Find out more detailed information on overdrafts such as fees, charges and managing your overdraft limit.

Representative example
If you use a Planned Overdraft of £1,200 on our Classic Account the overdraft interest rate we 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.

Classic Account tools

For £10 a month Control can help you stay on top of your finances and avoid Unplanned Overdraft borrowing. There are some exceptions to this, which mean you could still go into an Unplanned Overdraft, including, if you've used your 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.

Everyday Offers
Earn up to 15% cashback with Everyday Offers and the chance to win one of your purchases back up to the value of £500 on a monthly basis with ‘It's on Us’.

To be eligible for Everyday Offers you need to be over 18, have a Bank of Scotland current account, a Bank of Scotland debit and/or credit card and be registered for Internet Banking. Once you’ve activated Everyday Offers, just activate each offer to earn cashback on your next purchase. You can activate 'It’s On Us‘ in the Everyday Offers section of Internet Banking.

Save the Change®
Sign-up to Save the Change® and as long as you are in credit, every time you make a purchase with your 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.

Joint accounts

  • Two people using one account - A simple way to share spends and see them on one monthly statement
  • Both account holders get a Visa debit card
  • Both account holders can also separately set up and manage Online Banking

Open a new joint account with us

  • Add the other account holder by filling out a short form at the end of your current account application
  • If you are applying for a new current account online, you may be offered an overdraft just in your name - Please do not accept this. You will need to apply for an overdraft once the other account holder is added.

Alternatively, make an appointment at your nearest branch.
Don’t forget to take identification and if the other account holder is not an existing Bank of Scotland customer they will need to provide identification - view acceptable forms of identification.

Add another person to your existing Classic Account
If you are registered for Internet Banking, log in and simply follow the on-screen instructions in our online form.

Looking to switch your joint account to us?
Ensure you add the other account holder to your new account first before completing your switch.

Please be aware of the following:

  • Both account holders must be aged 18 or over
  • Each person can use the account features and benefits without needing the approval of the other.
  • Both people named on the account are individually and jointly responsible for any debts on the joint account.
  • Credit reference agencies often create a financial link or association between people who have a joint account. This means that the financial situation of the other person named on the account could affect your credit rating.
  • We cannot add another person to an account with an overdraft online, to add a person to an account with an overdraft visit us in branch.

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

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. Benefits also are subject to application and approval.

1Vantage is our free add-on for current accounts giving you the benefit of credit interest on your current account. Vantage interest rates are tiered so you will earn 3.00% AER (2.96% Gross) variable on balances of £3,000 - £5,000, 2.00% AER (1.98% Gross) variable on balances of £1,000 - £2,999.99, 1.50% AER (1.49% Gross) variable on balances of £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.