Ways to make managing your money easier

When life gets busy, it can be difficult to keep on top of your finances. That’s why our current accounts have a wide range of tools and features to help you manage your money – simply and easily.

Mobile Banking app

Our free to download app lets you view your transactions, make payments, transfer money between your accounts and more, whilst on the move.

Text Alerts

Stay on top of your finances with our range of Text Alerts including High and Low Balance Alerts, Limit Alerts and Weekly Balance Alerts.


Add Vantage to your current account and you could earn competitive tiered variable interest.

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’

Contactless payments

Use the contactless features on your debit card to quickly pay for items under £20

£10 Unplanned Buffer*

If you use an Unplanned Overdraft by £10 or less, we will not charge you any overdraft fees or interest. 

Save the Change*

As long as you are in credit, whenever you spend on your debit card, the difference will be rounded up to the nearest pound and moved into your savings account.

Telephone Banking

Manage your money by phone, whenever you want, 24 hours a day, 7 days a week.
Call 0345 721 3141.

Switching your account

If you are not a Bank of Scotland current account customer and would like to switch to one of our accounts, just apply for one online and complete the switching details in the form.

Added Value Accounts

Upgrade to one of our Added Value Accounts for a range of useful added benefits to make your life easier.

Grace Periods*

If you go overdrawn, we will give you until 3.30pm (UK time) that day to correct the overdrawn balance and avoid incurring any overdraft fees.

Payment disputes

If a payment has been taken from your account incorrectly we may be able to help, take a look at these common enquiries.

Closing your current account

We're sorry you are thinking of leaving us. Here is the information you need to close your Bank of Scotland current account.

Terms and conditions

All your bank account terms and conditions in one handy place.


*Available on Bank of Scotland personal current accounts opened after 12 September 2011.

We don’t charge you for Mobile Banking services but your mobile operator may charge for some services, please check with them.

Mobile Banking services may require Internet Banking registration and services may be affected by phone signal and functionality. Limit Alerts, High and Low Balance Alerts are available to personal current account customers aged 16 or over and are sent before 10am UK time Monday – Friday (excluding Bank Holidays). Further terms and conditions apply.

Not all Telephone Banking services available 24/7. Please speak to an adviser for more details. Calls may be monitored and recorded.

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

Bank of Scotland plc, Registered in Scotland No. SC327000, Registered Office: The Mount, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Internet Banking

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Reporting a lost or stolen card.

You can report your lost or stolen card if you are registered for Internet Banking. Simply log in and complete our online form.

Or, call us on 0800 0 288 335, lines open 24 hours a day. We’ll cancel the card and send a replacement.
If you're calling from abroad, you can call us on +44 (0) 131 454 1605.

About midata

When you bank, shop or pay a bill, this information can form a picture of your spending and shopping habits. midata gives greater access to your personal data and the ability to use it, as it can be helpful when choosing suitable products and services.

A midata file shows your previous 12 months spending and banking history, without any information like your name, address or date of birth.

To download a midata file, simply log in to Internet Banking and select the ‘Download midata’ link located under ‘Your account tools’ on Your accounts.

Any questions?

Just call us on
0345 721 3141
Lines are open 24 hours a day, 7 days a week.