Switch to us


Benefits of switching to Bank of Scotland.

  • Manage your account conveniently with access to Internet Banking, our award winning Mobile Banking App1 or on your iPad using Express Login.
  • With Vantage, earn 3% AER (2.96% Gross) variable on your balance of £3,000 - £5,000. Just pay at least £1000 into your account each month and stay in credit (above £0). Lower interest rates apply for balances below these amounts
  • With Everyday Offers, you can earn up to 15% cashback at selected retailers. Also, by choosing It's On Us, each month we give 500 customers up to £500 back on one of their debit or credit card purchases as a way of saying thank you.2

Starting your switch.

I do not have a current account with you.

  1. Complete a Bank of Scotland Classic Account application and fill in our switch form at the end.
  2. Let us do the rest and your switch will be completed in seven working days.

 Apply for a Classic Account today 

I already have a current account with you.

  1. Complete our simple online switching form.
  2. Let us do the rest and your switch will be completed in seven working days.

 Complete your switch form 

Alternatively, call us on 03456 02 52 93 (open Mon-Fri 8am-8pm and Sat 9am-4pm) or make an appointment at your local branch.

How the switching process works.

  1. Day 1-2 - Your switch begins – We will contact your old bank and start the process of transferring your payment arrangements to your Bank of Scotland current account.
  2. Day 3-5 - We switch your payment arrangements and make sure your Bank of Scotland account is ready for the switch date, which takes a couple of days.
  3. Day 6-7 - If you are clearing a debit balance on your old account, check your funds. You will need to make sure there are enough funds in your Bank of Scotland account to cover this transfer.

Current Account Switch Guarantee.

Current Account Switch Guarantee

We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and hassle-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

  • The service is free to use and you can choose and agree your switch date with us.
  • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
  • If you have money in your old account, we will transfer it to your new account on your switch date.
  • For 36 months, we will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
  • If there are any issues in making the switch, we will contact you before your switch date.
  • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.Plain English Campaign crystal mark

For more information and FAQs, please read the Account Switching Guide (PDF).

What else you need to know.

The Current Account Switch Service makes switching from one bank or building society to another simple and hassle-free whether you’re a consumer, small charity or small business. You’ll find the main benefits of the service below:

Switch on your terms.
With the Current Account Switch Service you can choose a switch date to suit you. Just make sure you allow a minimum of seven working days.

Simple and hassle-free.
The new account provider transfers any existing balance and all existing payment arrangements for you – including those going out (for example Direct Debits and standing orders), those coming in (for example, your salary) and payees you already have set up.

Wide ranging spread of UK banks and building societies are on board.
This means over 99% of UK current accounts are covered by the Current Account Switch Guarantee.

The switching process is the same everywhere.
Every bank and building society offering the service follows exactly the same switch process.

Payments are automatically redirected.
Any payments made to or requested from your old account will be redirected to your new account for three years. We will also contact the sender and give them your new account details. That means there’s no need to worry about missing payments.

Backed by a Guarantee.
In the unlikely event that something goes wrong with your switch, the new provider will refund any interest or charges incurred on your old or new account as a result.

A single point of contact.
The whole process will be handled by the bank or building society you are switching to. If you have any questions or concerns, just ask your new provider.

1 2014 World Innovation Awards - Innovation in the delivery of financial products (Mobile).

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. You can activate 'It’s On Us‘ in the Everyday Offers section of Internet Banking.

You must be 18 or over and a UK resident to apply. Account opening is subject to our assessment of your circumstances and to you meeting all eligibility conditions. Benefits are subject to application and approval.

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly.

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.