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

The simple bank account for everyday banking, with no monthly maintaining the account fee.

Classic account detailsFind out about our Classic account
Bank of Scotland AVA card

Platinum Account

An account with benefits – including travel insurance, breakdown cover and mobile phone insurance – for only £19 per month.

Platinum account detailsFind out about our Platinum account
Basic debit card

Youth & Student Accounts

Accounts to help you get the right start in life and be prepared for exciting times ahead.

Youth/Student account detailsFind out about our Student and Youth accounts.

Earn monthly interest on your credit balance by adding Vantage.

Vantage is our free add-on for Classic and Platinum accounts that pays you 1.5% AER (1.49% gross) variable on balances of £1 - £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.

Please note: From the 1st October 2019, we will be changing the interest you can earn on accounts with Vantage. The current interest rate of 1.5% AER/1.49% annual gross variable, payable on balances from £1 up to £5,000, will reduce to:

  • 1% AER / 0.99% annual gross variable on balances from £1 up to and including £3,999.99 and will increase to
  • 2% AER / 1.98% annual gross variable on the part of any balance from £4,000 to £5,000

Provided you meet the qualifying conditions for credit interest. For details of this change please see the Vantage guide (PDF).

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

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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 August 2019

As part of a regulatory requirement, an independent survey was conducted to ask approximately 860 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, Metro Bank 82%Rank 1, first direct 82%Rank 3, Nationwide 74%Rank 4, Barclays 66%Rank 5, Lloyds Bank 64%Rank 9, Bank of Scotland 59%

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