Compare bank accounts

    Classic Account

    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 account fee

    Find out more

    Platinum Account

    Platinum Account

    A current account packed with benefits for only £19 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
    • £19 monthly account fee

    Find out more

    Student Account

    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 account fee
    • Fee-free Planned 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 Planned 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 overdraft fee will apply to borrowing over this amount.

    Find out more

    Under 19s Account

    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 account fee
    • Overdraft - None

    From 24 September 2018, we will be reducing the credit interest you can earn on your Under 19s Account. The current interest rate of 1.50% AER/1.49% Gross variable, payable on balances between £1 and £2,499.99, will reduce to 0.50% AER/0.50% Gross variable.

    Find out more

    Classic Account

    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 account fee
    • Overdraft - None

    Find out more

    Representative example:

    Student Account
    In your second year, if you use a Planned Overdraft of £1,200 on your Student Account, then we’ll charge you a daily 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.

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    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.