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 Account
Simple to use with no monthly fee for maintaining the account.
- Earn up to 15% cashback 4
- Earn interest of up to 1.50% AER 5
- Overdraft facility available 1
Platinum Account
Get all the benefits of the Classic Account for £21 per month plus:
- Worldwide travel insurance
- Mobile phone insurance
- AA breakdown cover
Youth and Student Accounts
Explore our range of accounts for children, teens and students.
1 All our overdrafts are subject to our assessment of your circumstances, and are repayable on demand.
2 For accounts opened before 23 August 2021 - 0.50% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (0.50% grossGross rateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a.) variable credit interest paid quarterly on balances between £1 and £2,499.99. We do not pay interest on amounts of £2,500 or more.
For accounts opened on or after 23 August 2021 - 0.50% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (0.50% grossGross rateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a.) variable credit interest paid quarterly on balances between £1 and £999.99. We do not pay interest on amounts of £1,000 or more.
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.
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.
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
.
FSCS
Independent service quality survey results
Personal current accounts
Published August 2021
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
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.
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.