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.

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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.

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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.

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£10 Buffer*

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

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Save the Change*

Whenever you spend on your debit card, the difference will be rounded up to the nearest pound and moved into your savings account.

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Telephone Banking

Manage your money by phone, whenever you want, 24 hours a day, 7 days a week.
Call 08457 21 31 41.
 

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Vantage*

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

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Added Value Accounts

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

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ID Aware

Spot the early warning signs of identity theft with our Premier Account exclusive benefit.

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Save What MattersTM.

Lost, damaged or had your mobile stolen? Get all your saved data back with Save What MattersTM.

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Sentinel® Card Protection

If your cards go missing, get a dedicated team on your side. For Premier, Platinum, Gold and Silver Account customers.

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AA Home Emergency Cover

24 hour call-out service to sort out your domestic emergencies. Only for Premier Account customers.
 

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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.

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Terms and conditions

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

 

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*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 TSB Bank plc and is used under licence by Bank of Scotland plc. Save What Matters is a trademark of Lloyds TSB Bank plc and is used under licence by Bank of Scotland plc. Sentinel® is a trading name and registered trademark of Affinion International Limited.

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

Internet Banking

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Thinking about switching? It's easy.

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.

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Unsure about which account to choose?

If you are unsure which Bank of Scotland current account would be right for you, you can compare our account benefits here.

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Any questions?

Just call us on
08457 21 31 41
Lines are open 24 hours a day, 7 days a week.