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Classic Account

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

Image of a silver account credit card

Platinum Account

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

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Youth & Student Accounts

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

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 CloseAnnual 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.(1.49% grossCloseGrossGross 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 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.

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.

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


Independent service quality survey results

Personal current accounts

Published February 2019

As part of a regulatory requirement, an independent survey was conducted to ask customers of the 16 largest personal current account providers if they would recommend their provider to friends and family.

Overall service quality

We asked customers how likely they would be to recommend their personal current account provider to friends and family.


Rank 1Rank 2 Rank 3 Rank 4 Rank 5 = Rank 11

View the full set of results

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