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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
- No monthly fee
Silver Account
Our account that offers you a range of benefits for £11.50 per month.
- European & UK travel insurance for you and your family including winter sports cover. All cover stops on the account holder’s 65th Birthday.
- AA Breakdown Cover with Roadside Assistance
- Mobile Phone Insurance
- No debit card fees from us at home or abroad
- Preferential travel money rates
- £11.50 monthly fee
Platinum Account
An account packed with benefits, all in one place for £22.50 per month.
- Worldwide Multi-Trip Travel Insurance for you and your family including winter sports cover. All cover stops on the account holder’s 80th birthday
- AA Breakdown Family Cover with Roadside Assistance, National Recovery and At Home
- Mobile Phone Insurance
- No debit card fees from us at home or abroad
- Preferential travel money rates
- £22.50 monthly fee
Benefits are supplied by a third party provider
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
- No monthly fee
- Interest-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, interest-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. Daily arranged overdraft interest will apply to borrowing over this amount. Your daily arranged overdraft interest rate is based on how you manage any accounts you have with us and on the credit information we hold about you. We will let you know your rate in the pre contract credit information we give you if you apply for an arranged overdraft.
- From 01 August 2025 we’re changing some interest-free arranged overdraft amounts on Year 1 of study on our Bank of Scotland Student Account. This means you won’t pay daily interest on what you borrow up to the first £1500 from the day you take out your overdraft. For full details please see Guide to Changes (PDF, 34KB).
Smart Start
For 11 to 15 year olds who want to spend, save and learn with parental oversight.
- Your child gets their own Spending Account and Savings Account.
- Contactless Visa debit card.
- Parent or legal guardian has full visibility of account activity.
- Smart Start guides to help your child manage their money.
- Interest is earned on savings account only. Earn 2.75% AER/2.72% gross variable interest on balances of £1 to £1,000. Earn 1.05% AER/1.04% gross variable interest on any money above £1,000.
- To apply for Smart Start parents should have an existing current account.
Under 19s Account
Straightforward personal banking for 11-17 year olds.
- Earn interest on your money, which is paid quarterly:
- For accounts opened before 23 August 2021 - Earn interest of 0.50% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. (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 on credit balances between £0.01 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 - Earn interest of 0.50% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. (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 on credit balances between £0.01 and £999.99. We do not pay interest on amounts of £1,000 or more.
- Access to a tailored Internet Banking - this is a limited service for Under 19s Account holders
- Free mobile alerts
- No monthly fee
- Overdraft - None
Basic Account
A no-strings account with basic banking functions.
- Free everyday banking with no interest, or charges for accidentally going overdrawn
- Contactless VISA debit card
- Access to our Internet Banking, the Mobile Banking app, Telephone Banking and free mobile alerts
- No monthly fee
- Overdraft - None
Ready to apply for an account?
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.
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.
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 interest 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.
