Silver Account

International students

Once you’re living in the UK you can apply for our Classic Account​.

Silver Account

Features and benefits

Free everyday banking

All the standard features you’d expect

  • No account fee – keep your balance above £0 and you won’t be charged any fees (transaction fees may still apply).
  • Simple application – give your ID and set up account in minutes with our mobile app.
  • 24/7 support – speak to an agent or search for answers in our app.

Save the change

  • Save money on the go when you pay with your debit card.
  • We'll round what you spend to the nearest pound.
  • We'll transfer the change to your chosen savings account the next working day if your account balance is above £0.

Up to 15% cashback

  • Earn cashback on your everyday spending with selected retailers when you pay by card or direct debit.
  • View and activate your offers wherever you are in our app or online banking.
  • Get your cashback into your account at the end of the following month.

Retailer offers and cashback amounts vary.

  • See your future bills and payments

    ​View and check upcoming payments to stay on top of your finances.

    Block or cancel your unused subscriptions​

    See subscriptions you pay for by debit card all in one place. Keep an eye on payments for streaming services, phone bills and food deliveries. Cancel or block subscriptions at any time.​

    Manage cards and view PIN​

    Access your card details or view your PIN, our app puts you in control.​ You can also freeze a lost card , but you must report it.

    Biometrics and security​

    Biometrics use some of the latest technologies to fight fraud and help keep you and your money safe. Use your fingerprint or face recognition to make logging in faster and more secure.

    Need help?

    Get instant support in our app 24 hours a day.

Add Vantage to this account at no extra cost

Vantage is our free add-on for current accounts.

  • You can earn credit interest on balances up to and including £5,000. You’ll need to meet some conditions to earn interest.
  • Exclusive access to our Advantage Saver.
  • Take advantage of preferential travel money rates.

How to add Vantage

Simply select 'Yes' when you get to Add Vantage in your application. There's no charge in any month you don't meet the qualifying criteria to earn credit interest. Existing customers can add Vantage by logging into Internet Banking and selecting Upgrade.

Stay safe from financial crime

We want you to feel comfortable and safe when you move to the UK. Sadly, some criminals target international students especially those new to the country or banking system. But don’t worry, we’re here to help you understand the risks and protect yourself.

Moving money

Don't be a money mule. You may be asked to move money through your account for someone else. This could be from someone you’ve just met, or a message on social media. ​

Never use your bank account to pay in, receive, or send money to someone you don’t know or trust.​

If you become a money mule, even without knowing it, you’re breaking the law.

Suspicious offers​

Money from someone you don’t know or trust may be linked to crime.​

Be wary of offers for help with currency exchange, tuition fees, or living costs. Take extra care if you’re offered cash, a favour, or someone suggests you can keep some of the money.

Requests for your bank details

Never share your online banking login. Criminals use these to take control of your account and move money without your permission.​

Ready to apply for an account?

To apply, you need to be aged 18 or older, live in the UK, and have a valid passport. If you are not an existing Bank of Scotland customer you may need to provide proof of identity.

 

New to Bank of Scotland?

Scan the QR code to apply.

Our Mobile Banking App makes it quick and easy to apply for a bank account.

 

If you have a UK passport or UK driving licence and don't want to use the app, you can apply for an account on our website.


Already a customer?

You can upgrade an existing account or open a new one.

We'll keep your accounts together and you won't need to give us information we already hold.
 

Log in to apply

New to Bank of Scotland?

Our Mobile Banking App makes it quick and easy to apply for a bank account.

Open new account

If you have a UK passport or UK driving licence and don't want to use the app, you can apply for an account on our website.

Already a customer?

You can upgrade an existing account or open a new one.

We'll keep your accounts together and you won't need to give us information we already hold.


Log in to apply

Application support​

Check out our account opening guide for step-by-step support, or chat with us if you have questions.​

If you prefer help in a foreign language, our FAQs can give you extra support.​

Get support

A look at the details

  • Earn variable credit interest on balances of £1 - £5,000 by adding Vantage.

    Vantage is free to add to your Classic Account. You could earn 1.50% 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% gross p.a.) variable on balances between £1 and £3,999, and 3.00% 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. (2.96% gross p.a.) variable on balances between £4,000 and £5,000. You won’t earn interest on any balance over £5,000. Simply add it when you apply.

    To earn interest, each calendar month you need to pay at least £1,000 into your account, keep your balance above £0, and pay out at least two different Direct Debits.

    Interest is paid monthly. You’ll never be charged for having Vantage.

    Visit the Vantage page for more information.

  • Earn up to 15% cashback with Everyday Offers.

    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.

  • 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.
    Crystal Mark 20785 Clarity approved by Plain English Campaign logo

    For more information and FAQs, please read the Account Switching Guide (PDF, 2.33MB)

    Switch account guarantee

  • Bank of Scotland Bank Account conditions opens in a new window (PDF, 440.2 KB)

    Bank Account Welcome Pack opens in a new window (PDF, 330.3 KB)

    Fees and charges opens in a new window (web)

  • Traditional Cantonese and Simplified Mandarin (PDF, 322 KB)​

    Hindi (PDF, 158 KB)​

    Urdu (PDF, 217 KB)

Protecting your money

FSCS logo


The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS



Protecting your money

FSCS logo

The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS

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It’s simple and secure to send or receive money outside the UK or in a foreign currency.
 

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Compare current accounts

We have a range of other current accounts to suit your needs

Explore all of our accounts

Compare current accounts

We have a range of other current accounts to suit your needs

Explore all of our accounts

Important legal information

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 need to be aged 18 years or over. Benefits also are subject to application and approval.