The challenging times we’re all experiencing means we’re getting a lot more calls than usual and our call times are longer. So we can support people in the most vulnerable situations, we ask that you only call us if your enquiry is urgent. You can still use our online and mobile banking services and our automated service.

Bank Accounts

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.

Classic silver debit card

Classic Account

Simple to use with no monthly fee for maintaining the account.

 

  • Earn up to 15% cashback 4
  • Earn interest of up to 1% AER 5
  • Overdraft facility available 1
Classic account detailsFind out about our Classic account
Bank of Scotland AVA card

Platinum Account

Get all the benefits of the Classic Account for £21 per month plus:

 

  • Worldwide travel insurance
  • Mobile phone insurance
  • AA breakdown cover
Platinum account detailsFind out about our Platinum account
Basic debit card

Youth & Student Accounts

Under 19s Account
  • Earn interest of up to 0.50% AER 2
  • Access to Internet Banking
 
Student Account
  • Overdraft facility available 3
  • Earn up to 15% cashback 4
Youth/Student account detailsFind out about our Student and Youth accounts.

1 All our overdrafts are subject to our assessment of your circumstances, and are repayable on demand.

2 0.50% AER (0.50% gross p.a.) variable credit interest paid quarterly on balances between £1 and £2,499.99.

3 Up to £1,500 in years 1-3 and up to £2,000 in years 4-6 (available if aged 18 or over). *

4 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.

* Representative Example (based on using a Student account)

A variable representative rate of 0% APR

A variable annual interest rate of 0% EAREAR is the Equivalent Annual Rate. This is the annual interest rate of an overdraft. This means you are charged over the year based on how often and how much you are overdrawn by, and the effect of compounding it – charging interest on interest already charged. This interest rate does not include any other fees and charges.

Based on Borrowing £1,200

This example assumes you are in the second year of your studies

How much does my overdraft cost in pounds and pence?

As an example, the interest cost of borrowing £500 is:

£0.00 for 7 days

£0.00 for 30 days

£0.00 for 60 days

How does our overdraft compare?

You can use the representative APR to compare with other products or credit providers, this can help you make sure that you chose the right type of borrowing for you.

Useful tools

You can use our calculator to work out how much your anticipated arranged overdraft borrowing would cost over different periods of time.

 

Cost Calculator

You can use our eligibility tool to find out if you are eligible for an arranged overdraft.

 

 

Eligibility Tool

Arranged overdrafts are subject to application and approval and repayable on demand. You must be 18 or over to apply. Arranged overdraft limits and interest rates vary based on your individual circumstances. 

Earn monthly interest on your credit balance by adding Vantage.

5 Vantage is our free add-on for Classic and Platinum accounts. It pays 1.00% AERAnnual Equivalent RateThis illustrates what the interest rate would be if interest was paid and compounded once each year. This allows you to compare more easily what return you can expect over time. (0.99% annual grossGrossGross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HMRC.) variable on balances from £1 up to and including £3,999.99, and 2.00% AER Annual Equivalent RateThis illustrates what the interest rate would be if interest was paid and compounded once each year. This allows you to compare more easily what return you can expect over time.(1.98% annual grossGrossGross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HMRC.) variable on any part of the balance from £4,000 up to and including £5,000. You won’t earn interest on any balance over £5,000. Vantage can also be added to existing Bank of Scotland Silver, Gold and Premier accounts.

No interest paid on balances over £5,000. To qualify, each calendar month simply pay at least £1,000 into your account, stay in credit (above £0) during the monthly billing period, and pay at least two different Direct Debits from your account. If in any month you don’t meet these criteria, you won’t earn any interest but you won’t be charged for having Vantage.

Find out more about Vantage

You can also compare all our bank accounts to see which one suits you best.

Service Quality Information for personal current accounts

The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found here.

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

.

Upgrade for more benefits

Upgrading your Bank of Scotland current account to Platinum opens the door to a range of additional benefits from third party insurance providers. Monthly fees apply.

Useful information

We have plenty of features and helpful information to assist you in getting the most out of your Bank of Scotland current account.

Mobile Banking app

Our Mobile Banking app for iOS and Android is quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and safety of banking on their mobile.

Personal UK Internet Banking customers only. Terms and Conditions apply.
Find out more

FSCS

Protecting Your Money FSCS Protected

Independent service quality survey results

Personal current accounts

 

Published February 2020

As part of a regulatory requirement, an independent survey was conducted to ask approximately 865 customers of each of the 16 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

Rank 1, first direct, 83%Rank 2, Metro Bank, 82%Rank 3, Nationwide, 74%Rank 4, Santander, 63%Rank 4, Lloyds Bank, 63%Rank 10, Bank of Scotland, 58%

View the full set of resultsService quality results

The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found herePersonal service quality information.

CMA results