Compare bank accounts

Bank account
Credit interest
Overdraft1

Classic Account

A standard current account with all the usual features.

No monthly fee

No standard credit interest, but you can add Vantage2 to earn up to 3% AER (2.96% Gross) variable interest on balances of £3,000 to £5,000.

Up to £25 Interest and fee free Planned Overdraft (fees apply over this amount).
 Find out more

or apply online

Classic Account with Control

All the features of Classic Account with the benefit of helping you avoid Unplanned Overdraft borrowing3.

£10 monthly fee

No standard credit interest, but you can add Vantage2 to earn up to 3% AER (2.96% Gross) variable interest on balances of £3,000 to £5,000.
Up to £25 Interest and fee free Planned Overdraft (fees apply over this amount).  Find out more

or add in branch

Silver Account (Classic Account upgrade)

All the features of Classic Account with4:

  • European Travel Insurance for you and your partner (under 65 years of age)
  • AA Breakdown Cover with Roadside Assistance and Accident Management
  • Mobile Phone Insurance
  • Sentinel® Card Protection.

£9.95 monthly fee

No standard credit interest, but you can add Vantage2 to earn up to 3% AER (2.96% Gross) variable interest on balances of £3,000 to £5,000.

Up to £50 Interest and fee free Planned Overdraft (fees apply over this amount).

 Find out more


or upgrade online

Platinum Account (Classic Account upgrade)

All the features of Classic Account with4:

  • Worldwide Travel Insurance with either family or winter sports cover (under 80 years of age)
  • AA Breakdown Cover with Roadside Assistance, Relay, Homestart and Accident Management
  • Mobile Phone Insurance
  • Sentinel® Card Protection.

£17 monthly fee

No standard credit interest, but you can add Vantage2 to earn up to 3% AER (2.96% Gross) variable interest on balances of £3,000 to £5,000.
Up to £300 Interest and fee free Planned Overdraft (fees apply over this amount).
 Find out more

or upgrade online

Cash Account

A basic account with no overdraft, chequebook or interest.

No monthly fee

None
None
 Find out more

or apply online

Under 19s Account

A first current account especially designed for customers aged between 11 and 18 who want to start managing their own money.

No monthly fee

  • 2.50% AER (2.47% Gross) variable up to £2,500
  • 0.10% AER Gross on balances over £2,500.
None
 Find out more

or apply in branch

Student Account

An account designed to help keep students on top of their finances.

No monthly fee

None
Up to £1,500 - years 1 to 3.
Up to £2,000 - years 4 to 6.
Interest and fee free Planned Overdraft (fees apply over this amount).
 Find out more

or apply in branch

Graduate Account

An account for graduates who've graduated from a UK university in the past three years.

No monthly fee

None
Up to £2,000 - 1st year after graduation.
Up to £1,500 - 2nd year after graduation.
Up to £1,000 - 3rd year after graduation.
Interest and fee free Planned Overdraft (fees apply over this amount).
 Find out more  

or apply in branch

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 Silver 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 19.94% EAR variable and a Monthly Overdraft Usage Fee of £6 will apply.

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 16.8% EAR variable and a Monthly Overdraft Usage Fee of £6 will apply.

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 must be 18 or over (aged 11 - 18 for the Under 19s Account and 17 or over for Student Account) and a UK resident to apply.

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

2
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 and no interest on balances over £5,000. Interest paid monthly.

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

Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation

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