Classic Account

At the end of your current account application, we may offer you an arranged overdraft. If we do, we’ll tell you the maximum amount you can borrow and you can add it right away. You can also apply for one later.

Arranged overdrafts are repayable in full, on demand, and subject to approval. You must be 18 years old or over to apply.

Find out more detailed information on overdrafts such as fees, charges and managing your arranged overdraft limit.

Representative example
If you use an arranged overdraft of £1,200 on your Classic Account, then we’ll charge you a daily arranged overdraft fee of £2.

Earn 1.5% AER variable on balances of £1 - £5,000 by adding Vantage.

Vantage is our free add-on for current accounts that pays you 1.5% 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. (1.49% 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 of £1 - £5,000. Interest is paid monthly. Bear in mind that you won’t earn interest on any amounts over £5,000.

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 Classic Account with Vantage Conditions (PDF).

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.

Visit the Vantage page for more information.

Everyday Offers

Earn up to 15% cashback with Everyday Offers and the chance to win one of your purchases back up to the value of £500 on a monthly basis with ‘It's on Us’.

To be eligible for Everyday Offers you need to be over 18, have a Bank of Scotland current account, a Bank of Scotland debit and/or credit card and be registered for Internet Banking. Once you’ve activated Everyday Offers, just activate each offer to earn cashback on your next purchase. You can activate 'It’s On Us' in the Everyday Offers section of Internet Banking.

Save the Change®

Switch on Save the Change® and when you spend with your Bank of Scotland debit card, we’ll round up the amount to the nearest pound. At the start of the next working day, we’ll transfer the difference into an eligible savings account.

• Two people using one account - A simple way to share spends and see them on one monthly statement
• Both account holders get a Visa debit card
• Both account holders can also separately set up and manage Internet Banking

Open a new joint account

You have two options when you are looking to apply to open a joint account:

• One of you can get the process started by opening an account online. You will both then need to pop into branch to make it a joint account.
• Both of you can open your joint account from start to finish at one of our branches.

For either option, we recommend booking an appointment at your local branch.

If you already bank with us please bring your bank card or another form of identification with you. If neither of you are an existing Halifax current account holder, you’ll need to bring proof of identity - view acceptable forms of identification.

Add another person to an existing account

• Book an appointment at your local branch and a member of staff will help you add the second person from start to finish. Make sure you come in together. Find your nearest branch.
• If you already bank with us please bring your bank card or another form of identification with you . If the other person isn’t an existing Bank of Scotland current account holder, they’ll need to bring proof of identity and proof of address - view acceptable forms of identification.

Looking to switch your joint account to us?

• Ensure you add the other account holder to your new account before completing your switch

Please be aware of the following:

• Both account holders must be aged 18 or over
• Student Current Account and Under 19s accounts cannot be made into joint accounts
• Both people named on the account are individually and jointly responsible for any debts on the joint account
• Credit reference agencies often create a financial link or association between people who have a joint account. Meaning that the financial situation of the other person on the account could affect your credit rating
• Both people named can use the account benefits and features without needing the approval of the other

Remove someone from a joint account

A request to remove someone from your bank account can be made in branch and will only be accepted where the account is in credit.

We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

• The service is free to use and you can choose and agree your switch date with us.
• We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
• If you have money in your old account, we will transfer it to your new account on your switch date.
• We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
• If there are any issues in making the switch, we will contact you before your switch date.
• If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

For more information and FAQs, please read the Account Switching Guide (PDF)