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.

Compare bank accounts

Classic Account

Free everyday banking when you stay in credit, plus add Vantage to earn interest.

  • A VISA debit card
  • Access to our Internet Banking and the Mobile Banking app, 24-hour telephone services as well as any of our branches in Scotland.
  • Add Vantage to earn interest on your credit balance
  • Earn up to 15% cashback with Everyday Offers1
  • Free mobile alerts
  • £0 monthly maintaining the account fee

Find out more

Platinum Account

A current account packed with benefits for only £21 per month.

  • Worldwide Travel Insurance for you and your family including winter sports cover. All cover stops on the account holder’s 80th birthday
  • AA Breakdown Cover with Roadside Assistance, Relay, Homestart and Accident Management
  • Mobile Phone Insurance
  • Card Loss Assistance
  • £21 monthly maintaining the account fee.
 

Find out more

Student Account

We'll manage your money while you concentrate on study.

  • A VISA debit card
  • Access to our Internet Banking and the Mobile Banking app, 24-hour telephone services as well as any of our branches
  • Earn up to 15% cashback with Everyday Offers1
  • Free mobile alerts
  • £0 monthly maintaining the account fee
  • Fee-free Arranged Overdraft up to £1,500 in your 1st year of study (starting with £500 in months 1 to 6 from account opening, £1,000 in months 7 to 9 from account opening and £1,500 in months 10 to 12 from account opening). Un-tiered, fee-free Arranged Overdraft up to £1,500 in the 2nd and 3rd years of study. Up to £2,000 in the 4th, 5th and 6th years. A daily arranged overdraft fee will apply to borrowing over this amount.

Find out more

Under 19s Account

Straightforward personal banking for 11-17 year olds

  • Earn a variable rate of interest, paid quarterly, of 1.50% AER (1.49% Gross p.a.) on balances up to £2,500. You will not earn credit interest on amounts of £2,500 or higher.
  • Access to a tailored Internet Banking - this is a limited service for Under 19s Account holders
  • Free mobile alerts
  • £0 monthly maintaining the account fee
  • Overdraft - None

Find out more

Basic Account

A no-strings account with basic banking functions.

  • Free everyday banking with no monthly fees, or charges for accidentally going overdrawn
  • A VISA debit card
  • Access to our Internet Banking, the Mobile Banking app, Telephone Banking and free mobile alerts
  • £0 monthly maintaining the account fee
  • Overdraft - None

Find out more

Representative example:

Student Account
In your second year, if you use an Arranged Overdraft of £1,200 on your Student Account, then we’ll charge you a daily arranged overdraft fee of £0.

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.
 


Switch current account

Useful information

We subscribe to The Standards of Lending Practice

More about Personal Savings Allowance

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details whats expected of us, the lender and you the borrower.

AER is Annual Equivalent Rate - this illustrates what the interest rate would be if interest was paid and compounded once each year. This allows individuals to compare more easily what return they can expect over time.

Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HMRC.

Account opening is subject to our assessment of your circumstances and to you meeting all eligibility conditions. You must be 18 or over to apply (aged 11 - 18 for the Under 19s Account and 17 or over for Student Account).

Any overdraft we agree is repayable on demand, including any fees and is subject to application and approval . You must 18 years old or over to apply.

1 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.

Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.

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