How to complain

Let us know if you are dissatisfied with our products or service.

If you have a complaint, contact us as soon as possible so that we can talk to you and put things right. Over 90% of customers who contact us about their complaint by visiting branch or by calling us, have their complaint resolved to their satisfaction there and then.

Find out how to complain about Payment Protection Insurance (PPI).

Visit branch

Visit any of our branches to talk to a member of the team.

Find a branch

Call us

Call our Telephone Banking Service, 24 hours a day, 7 days a week, on 
0800 072 8668.

If you've a hearing impairment you can use textphone number 0800 056 7294. Lines are open 9am - 5.30pm, 7 days a week. You'll need specialised equipment to use this service.

If you're calling from abroad or would prefer not to use the 0800 number, you can call us on +44 0131 278 3729 or +44 0131 278 3690 for textphone.

Alternative ways to complain

 If you’d prefer not to raise your complaint in branch or by calling us, you can complain online, or by writing to us. It will take longer for your complaint to reach us by post.

Complain online
Complete our online complaint form. Once you've completed the form, one of our colleagues will call you back as soon as possible.

For security reasons, we can not discuss your accounts by email. Please make sure that you include a telephone number (providing a mobile number where possible) that we can call you on. You can specify a time of day for the call that suits you.

Please don't use this form to submit a query or complaint about Payment Protection Insurance.

Write to us
Please ensure that you include the following information in your letter so that we can resolve your complaint as quickly as possible:

  • Your account details – this enables us to find the account that your complaint relates to.
  • As much information about the complaint as you feel able to give
  • Are there any particular actions you wish us to take to resolve your complaint? If so, please include them.
  • Your telephone number and the best time to contact you so that we can call you once we receive your letter.

Write to us at Bank of Scotland, PO Box 761, Leeds, LS1 9JF. To help us resolve your complaint quicker, please include your telephone number (providing a mobile number where possible) and advise when the most suitable time is for us to call you.  

Claims Management Companies (CMCs)

We will treat your complaint in exactly the same way whether we receive the complaint directly from you or from a Claims Management Company (CMC). You do not need to use a CMC and they will typically charge an upfront fee or take a porportion of any compensation you may be due. By coming directly to us you will not be disadvantaged.

How we will handle your complaint

- We will do all we can to resolve your complaint on the same day.
- If we do not manage to resolve the complaint within 5 working days we'll write to give you an update and let you know when you can expect a full response.
- Once all the details of the complaint have been investigated, (we may call you for further details) we will issue a ‘final response’ to your complaint.
- The Financial Conduct Authority (FCA) allow 8 weeks for us to resolve complaints but we will aim to get your complaint resolved well before this deadline.

If you are still not happy

Bank of Scotland is a member of the Financial Ombudsman Service, which offers an independent review service. If you are still not happy with the agreement we have proposed, you can ask the Financial Ombudsman Service to look at your case for free.

If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you may be able to complain to the Financial Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide details of how to contact the Ombudsman:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
E14 9SR

Telephone: 08450 80 18 00



Our promise

Our aim is to offer great products and excellent service, but we know sometimes things can go wrong. If you have any reason at all to complain, we make you a promise:

  • We will do our very best to put things right as soon as you get in touch.
  • Where that’s not possible, we will make sure you have the contact details of the person or team dealing with your complaint.
  • No matter how you choose to tell us about your complaint, whether it is by phone, in branch, online or in writing, we will give it our full attention and commitment to resolving it for you.

Complaints data

Building strong and lasting relationships with our customers is important to us. Sometimes things can, and do, go wrong and when this happens we encourage customers to tell us about it so we can aim to put things right.

We are committed to transparency and publish details of the complaints data we last reported to the Financial Conduct Authority. View the complaints data for firms associated with Bank of Scotland.