Go paper-free
Amend paper-free preferences for your statements and correspondence.
Protect your summer vibes
European family travel insurance, and no debit card fees aboard, included with our Silver account. £11.50 monthly fee. T&Cs apply.
Explore our Silver Account Explore our ISA options
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Savings
Whatever your savings goal, our range of savings accounts can help. Find the right account that suits you.
Investing made easy
Choose one of our simple Ready-Made Investments from just £50 a month. Pick a risk level right for you, and leave the rest to our experts.
Capital at risk.
Silver Current Account
Includes European family travel, AA Breakdown Family Cover, mobile phone insurance and no debit card fees from us when you use your card abroad for £11.50 a month. Limits, terms and exclusions apply.
Credit cards
Check your eligibility before you apply. It takes a few minutes and won’t affect your credit score.
Personal loans
Find out how much you could borrow before you apply. The amount we lend and the rate we offer you will be dependent on your personal circumstances.
Mortgages
Your mortgage could cost less than you think. We are here to help you find the right mortgage deal.
Bank of Scotland are proud to offer Halifax mortgages.
Life insurance
Prepare for the unexpected. Protect you and your loved one's future with up to £500k of life or critical illness cover, provided by Scottish Widows.
Get protected in minutes for peace of mind.
Home insurance
With Home Insurance Select we have three levels of cover: Bronze, Silver and Gold.
Choose to spread the cost and pay monthly with no extra charges.
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Independent service quality survey results
Independent service quality survey results
Personal current accounts
Published February 2025
As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 17 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.
Overall service quality
We asked customers how likely they would be to recommend their personal current account provider to friends and family.
Ranking
The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found here.
Authorised push payment (APP) scams rankings in 2023
Authorised push payment (APP) scams happen when someone is tricked into transferring money to a fraudster’s bank account. These charts use data given to the Payment Systems Regulator by major banking groups in the UK in 2023. You can read the full report by visiting psr.org.uk/app-fraud-data
Share of APP scams refunded.
This is the proportion of total APP fraud losses that were reimbursed, ranked out of 14 firms.
APP scams sent per £million transactions.
This is the amount of money sent from the victim's account to the scammer, ranked out of 14 firms.
For example, for every £1 million of Bank of Scotland, Halifax & Lloyds Bank transactions sent in 2023, £228 was lost to APP scams.
APP scams received per £million transactions: smaller UK banks and payment firms.
This is the amount of money received into the scammer's account from the victim, ranked out of all UK banks and payment firms.
For example, for every £1 million received into consumer accounts at Skrill, £18,550 of it was APP scams.
APP scams received per £million transactions: major UK banks and building societies.
This is the amount of money received into the scammer's account from the victim, ranked out of all UK banks and payment firms.
For example, for every £1 million received into consumer accounts at Bank of Scotland, Halifax & Lloyds Bank, £128 of it was APP scams.
