Compare bank accounts

We offer a range of current accounts to suit several different needs. The information below will help you find the one that works for you.

Current accounts

Classic Account options

Bank account

Monthly
fee

Features and benefits
Overdraft1 
Classic
Account
£0
Our simple current account perfect for starting your relationship with us.
  • A VISA debit card
  • Access to our Internet Banking and Mobile Banking, 24-hour telephone services as well as any of our branches
  • Add Vantage to earn interest on your credit balance
  • Earn up to 15% cashback with Everyday Offers2
  • Free mobile text alerts
Up to £25 Interest and fee-free Planned Overdraft (debit interest and fees apply over this amount).

Apply today 


Find out more

Classic
Account with
Control
£10
All the features of our Classic Account with the benefit of helping you avoid Unplanned Overdraft borrowing.3 Up to £25 Interest and fee-free Planned Overdraft (debit interest and fees apply over this amount).

Find out more


Or apply in branch

 

Upgrade options if you already have a Classic Account

Bank account

Monthly
fee

Features and benefits
Overdraft1 
Silver
Account
£9.95
All the features of our Classic Account with:
  • European Travel Insurance for you and your family including winter sports cover. All cover stops on the account holder’s 65th birthday
  • AA Breakdown Cover with Roadside Assistance and Accident Management
  • Mobile Phone Insurance
  • Card Loss Assistance
Up to £50 Interest and fee-free Planned Overdraft (debit interest and fees apply over this amount).

Upgrade today


If you are registered for Internet Banking, upgrade online.

Platinum
Account
£17
All the features of our Classic Account with:
  • 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, Homestart and Accident Management
  • Mobile Phone Insurance
  • Card Loss Assistance
Up to £300 Interest and fee-free Planned Overdraft (debit interest and fees apply over this amount).

Upgrade today


If you are registered for Internet Banking, upgrade online.

We use a range of third party insurance providers for the Silver and Platinum Account benefits (exclusions apply).


Why not add Vantage and earn credit interest on your current account balance?

Vantage is our free add-on for current accounts that pays you 3% AER (2.96% Gross) variable on balances of £3,000 - £5,000, interest is paid monthly. Don't worry if your balance isn’t always that high, we still pay interest at a lower rate on smaller balances4. You won’t earn interest on any balance over £5,000.

Simply pay at least £1000 into your account each month and stay in credit (above £0). There is no requirement to pay out any regular direct debits like some other banks.

Discover more


Representative examples:

Classic Account
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.

Silver Account
If you use a Planned Overdraft of £1,200 on our Silver Account the overdraft interest rate we charge on the first £50 will be 0% EAR variable. The overdraft interest rate on the next £1,150 will be 19.94% EAR variable and a Monthly Overdraft Usage Fee of £6 will apply.

Platinum Account
If you use a Planned Overdraft of £1,200 on our Platinum Account the overdraft interest rate we charge on the first £300 will be 0% EAR variable. The overdraft interest rate on the next £900 will be 17.28% EAR variable and a Monthly Overdraft Usage Fee of £6 will apply.


Student and youth accounts

Bank account

Monthly
fee

Features and benefits
Overdraft1 
Student
Account
£0
Packed with all you need to make the most of your studies.
  • A VISA debit card
  • Access to our Internet Banking and Mobile Banking, 24-hour telephone services as well as any of our branches
  • Earn up to 15% cashback with Everyday Offers2
  • Free mobile text alerts
Interest and fee-free Planned Overdraft up to £1,500 in your 1st year of study (starting with £500 in months 1 to 6, £1,000 in months 7 to 9 and £1,500 in months 10 to 12).
Un-tiered, interest and fee-free Planned Overdraft up to £1,500 in the 2nd and 3rd years of study. Up to £2,000 in the 4th, 5th and 6th years.

Debit interest and fees apply over this amount.

Find out more


Or apply in branch

Graduate
Account
£0
Extend your relationship with us after graduation. Let us help you make the most of the opportunities ahead.
  • An interest and fee-free Planned Overdraft to help with life after education (subject to evaluation of your circumstances).
  • A VISA debit card
  • Access to our Internet Banking and Mobile Banking, 24-hour telephone services as well as any of our branches
  • Earn up to 15% cashback with Everyday Offers2
Interest and fee-free Planned Overdraft:
  • Up to £2,000 in the 1st year after graduation.
  • Up to £1,500 - 2nd year after graduation.
  • Up to £1,000 - 3rd year after graduation.
Debit interest and fees apply over this amount.

 

Find out more


Or apply in branch

Under 19s
Account
£0 Simple and personal banking for 11-18 year olds.
  • Earn 2.50% AER (2.47% Gross) variable up to £2,500. 0.10% AER Gross on balances over £2,500.
  • Access to a tailored Internet Banking - this is a limited service for Under 19s Account holders
  • Free mobile text alerts
None

Find out more


Or apply in branch


Representative examples:

Student Account
If you use a Planned Overdraft of £1,800 on our Student Account in your second year the overdraft interest rate we charge on the first £1,500 will be 0% EAR variable. The overdraft interest rate on the next £300 will be 8.21% EAR variable and a Monthly Overdraft Usage Fee of £6 will apply.

Graduate Account
If in year 3 of your Graduate Account you use a Planned Overdraft of £2,000, the overdraft interest rate we charge on the first £1,000 will be 0% EAR variable. The overdraft interest rate on the next £1,000 will be 16.77% EAR variable and a Monthly Overdraft Usage Fee of £6 will apply.


Basic bank accounts

Bank account

Monthly
fee

Features and benefits
Overdraft1 
Basic Account £0
An account for customers who are ineligible for our other current accounts.
  • Free everyday banking with no monthly fees, or charges for accidentally going overdrawn
  • A VISA debit card
  • Access to our Internet Banking, Mobile Banking, Telephone Banking and free mobile text alerts
None

Find out more

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.
EAR is the Equivalent Annual Rate. This is the actual annual rate of an overdraft. It doesn't take into account fees and charges.
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 must be a UK resident and 18 or over to apply (aged 11 - 18 for the Under 19s Account and 17 or over for Student Account).

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

2 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.

3 There are a few exceptions to this, so you could still go into an Unplanned Overdraft in situations, including: If you’ve used your Visa debit card somewhere where a retailer can’t check with us, like on an aeroplane. If the Planned Overdraft limit on your account is reduced and you don’t have enough money to keep within your new limit.

4 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 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

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