Go paper-free
Amend paper-free preferences for your statements and correspondence.
Protect your holiday vibes
European family travel insurance and no debit card fees abroad, included with our Silver Account. £11.50 monthly fee. T&Cs apply.
Explore our Silver Account Home insurance
Our products
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.
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.
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.
Disney+ with protection policies
Get 12 months of Disney+ (Standard With Ads) when you purchase a new protection policy directly with us.
Subscription starts after you make your first payment, we can amend or withdraw this offer at any time. Terms and conditions apply.
Bank accounts
Whether you’re looking for simple everyday banking or an account with benefits, we can help you find the right account to support you through life’s journey.
Home insurance
With Home Insurance Select we have 3 levels of cover: Bronze, Silver and Gold. Choose to spread the cost and pay monthly with no extra charges.
Customer support
Getting started online
Independent service quality survey results
Personal current accounts
Published February 2026
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 on the BOS Service Quality Information page.
Authorised push payment (APP) scams rankings in 2024
Authorised push payment (APP) scams happen when someone is tricked into transferring money to a fraudster’s bank account. Information about Bank of Scotland’s performance prior to the introduction of the reimbursement requirement in October 2024 can be found in PSR’s latest APP Scams Performance Report (PDF, 1.13MB) published in February 2026.
