This might be because you’re bankrupt, in financial difficulty, or if we’re not able to obtain information about your credit history.
If you live in the UK you cannot apply for a Basic account directly. You will need to start by applying for one of our current accounts. We will try to get information about your credit history to decide which account is right for you.
To apply for a Bank of Scotland Basic Account you must be 18 or older and be legally resident in the European Union (EU). If you already have a current account with another UK bank, you will need to switch when we open your Bank of Scotland Basic Account.
Before we open your account we need to see proof of your identity and address.
To complete your application, we will require original documents sent by post, which will be returned to you securely in due course. We don’t accept expired documents or documents printed off the internet.
If you have a non EU/EEA passport, we will also need proof of EU residency with your passport.
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.
For more information and FAQs, please read the Account Switching Guide (PDF).