Go paper-free
Amend paper-free preferences for your statements and correspondence.
Banking made simpler with our app
Join the millions of customers on our highly rated Mobile Banking app.
Classic Account
Simple to use with no monthly fee.
- Get up to 15% cashback when using your Visa Debit Card at selected retailers. Merchant offers and cashback amounts vary. Internet Banking registration required. T&Cs apply
- Earn interest of up to 3.00% AER when you add Vantage1
- Overdraft facility available (all overdrafts are subject to our assessment of your circumstances and are repayable on demand)
Silver Account
Get all the benefits of the Classic Account for £11.50 per month plus:
- European and UK family travel insurance up to age 65
- AA Breakdown Family Cover with Roadside Assistance
- Mobile phone insurance
- No debit card fees from us at home or abroad
Platinum Account
Get all the benefits of the Classic Account for £22.50 per month plus:
- Worldwide family travel insurance up to age 80
- AA Breakdown Family Cover with Roadside Assistance, National Recovery and At Home
- Mobile phone insurance
- No debit card fees from us at home or abroad
Youth and Student Accounts
Explore our range of accounts for children, teens and students.
We also provide a Basic Account which you can't apply for directly. You will need to start the application process for a bank account with us, and we will try to obtain information about your credit history. We may offer you the Basic Account if you’re bankrupt, in financial difficulty, or if we’re not able to obtain information about your credit history. The Basic Account still offers access to all the great app features, for more information see Basic Account
Benefits are supplied by a third party provider.
You can also compare all our bank accounts to see which one suits you best.
Switch your account to us
Switching your current account to us couldn’t be simpler. Find out more about the benefits of a Bank of Scotland current account.
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- In-branch cash and deposit machines, for notes and cheques. Limits and charges will apply.
- Withdraw cash, notes only, from any LINK ATM. Most don't charge a fee.
- Withdraw or deposit coins and notes at Post Offices or Banking Hubs. Limits and charges will apply.
- Pay into your account quickly and easily at either a Deposit Machine or Post Office with enhanced banking services.
Get cashback in selected participating shops. You don't have to buy anything and can withdraw 1p to £50.
- You can find out about your options on LINK's Cash Locator: https://www.link.co.uk/cash-locator
- Some locations charge a fee to make a withdrawal or deposit. If they do, it'll be clearly signposted in store and on the machine. You'll be able to cancel the transaction if you don't want to pay the charge.
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We work with LINK to carry out assessments of places which might need better cash access services.
Concerned about access to cash in your area?
LINK may have already looked at your area and made a recommendation to make things better: https://www.link.co.uk/our-assessments
If not, you can request an access to cash assessment in your area:
https://www.link.co.uk/helping-you-access-cash/request-access-to-cash
You can appeal the result of LINK's assessment. www.link.co.uk/our-assessments/appeal-an-assessment
Want to know how decisions are made about cash?
Find out more about LINK’s process:
https://www.link.co.uk/helping-you-access-cash
We're making some changes to terms and conditions on 02 June 2025, for details please see Guide to Changes (PDF, 80KB).
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The Mobile Banking app is available to Internet Banking customers with a UK personal account and valid registered phone number. Our app is available on devices running iOS or Android. (the app is not compatible with some older versions of the operating systems – check the App Store or Google Play for more details). Our app does not work on jailbroken or rooted devices. Device registration required. Terms and conditions apply. Mobile Banking services may be affected by phone signal.