Save the Change®

We've come up with a way to save that's so easy, you’ll forget you’re doing it.

Switch on Save the Change® and when you spend with your Bank of Scotland debit card, we’ll round up the amount to the nearest pound. At the start of the next working day, we’ll transfer the difference into your nominated Bank of Scotland savings account.

For example, if your coffee costs £2.20, we’ll transfer 80p from your current account into your savings account.

It’s a clever feature that takes your leftover change and builds it into bigger savings.

Register for Save the Change®

credit card

1. Spend on your Bank of Scotland debit card

Make sure Save the Change® is switched on. You can easily control this through Online Banking

we work out the change

2. We work out the change

When you're in credit, what you spend is rounded up to the nearest pound

change transferred to your savings

3. The change is transferred to your savings

We transfer the change to your Bank of Scotland savings account the next working day

How to switch on Save the Change®

You can switch Save the Change® on and off or change your nominated savings account whenever you like online, by phone or by visiting us in branch. We only make Save the Change® transfers when your current account is in credit.

You need:

Online
If you've registered for Internet Banking, you can switch Save the Change® on and off or change your nominated savings account whenever you like online.

  • If you’re using a desktop, simply log in to Internet Banking using the link below.
  • If you’re using a mobile device, log in to Internet Banking using the link below. Next, select the link at the bottom of the page that says, ‘Go to desktop site’. You can then select Save the Change® within the Savings drop-down menu at the side of the page.

Please note, you cannot use the mobile or tablet app to access this page.

Register for Save the Change®

If you haven't already, you can register for Internet Banking.

Save the Change® conditions (PDF)

By phone
If you prefer to speak with someone, we're here to help. You can switch on Save the Change® by calling 0345 721 3141.

In branch
Our advisers in branch can provide face to face help and will talk you through the process. Find your nearest branch.

Save the Change® is a registered trademark and is used under licence by Bank of Scotland plc.

We may monitor and record calls.

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.