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Our account that offers you a range of everyday benefits. European family travel insurance, AA Breakdown Family Cover, Mobile phone insurance and no debit card fees from us when you use your card abroad for a £11.50 monthly fee.
We also offer a Platinum account for a £22.50 monthly fee, that offers a different level of cover.
There are other accounts available to you that provide banking facilities without additional benefits, and which do not have a monthly fee.
Cover for any medical conditions under this policy: you may need to declare these, agree cover with Allianz Assistance and an additional premium may apply. If this affects you contact Allianz Assistance directly to find out more.
You might want to visit the MoneyHelper service, which lists firms offering travel insurance for customers with medical conditions. This could help if you’ve been offered cover with a high premium, been refused, or have had cover cancelled due to medical conditions. Think about what might suit your needs best and who you need specialist cover for. For more information access the directory.
You can find out more on the benefits, conditions and exclusions here.
European and UK family travel insurance travel insurance administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA
Your benefit |
Some key benefits |
Some important exclusions |
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Your benefit Travel Insurance |
Some key benefits
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Some important exclusions
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Keep in mind the cover is provided whilst you are a United Kingdom resident and are registered with a Doctor in the United Kingdom.
Read the policy document for full details and exclusions (PDF, 1.7MB)
We will also provide you with the Insurance Product Information Booklet (PDF, 254KB) as part of the account application process.
Claims and assistance
You can access your packaged bank account benefits, view policy details and make a claim in the app and via Internet Banking.
If you don’t bank online, you can also make a claim by calling Platinum Membership Services.
You can also visit our payment disputes page, for help if your travel has been disrupted.
AA Breakdown Family Cover is provided by Automobile Association Developments Limited (trading as AA Breakdown Services).
Your benefit |
Some key benefits |
Some exclusions and rights to refuse service |
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Your benefitAA Breakdown Family Cover |
Some key benefits
With AA Breakdown Family Cover, there’s cover for account holders and certain family members in vehicles, whether you or they are the driver or the passenger. Family members must live at the account holder’s home address or be temporarily living away from that address, but still within the UK (e.g. students). Eligible family members will include your:
* including spouse, civil partner, fiancé/fiancée ** including stepparents, foster parents, father in-law, mother in-law *** including brothers, sisters, brother in-law, sister in-law, step-sisters, step-brothers **** including stepchildren, foster children, grandchildren, son in-law, daughter in-law ***** including aunts, uncles, nieces, nephews and first cousins |
Some exclusions and rights to refuse service
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AA Breakdown Family Cover FAQs
Read the policy document for full details and exclusions (PDF, 1.7MB)
We will also provide you with the Insurance Product Information Booklet (PDF, 254KB) as part of the account application process.
Assistance and emergencies
If you break down on the road, please call us.
AA Accident Assist
AA Accident Assist is available to account holders only. This service could help if you or a person insured on your vehicle are in a motor accident where all parties are insured. The service could recover and fix your vehicle, provide a replacement vehicle or courtesy car and manage insurance claims.
The service is only available in England, Wales and mainland Scotland and is not available for motorbikes or mopeds.
We have included the AA Accident Assist terms and conditions in the policy documents. The link is provided above. You will only be asked to agree to the terms if you choose to use the service. The AA will check to see if you are eligible, talk through your situation, describe the help the service can offer, as well as any costs that may be involved, so that you can decide if you want to go ahead.
Mobile phone insurance is administered by Lifestyle Services Group Limited with a single insurance provider, Assurant General Insurance Limited.
Your benefit |
Some key benefits |
Some important exclusions |
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Your benefitMobile Phone Insurance |
Some key benefits
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Some important exclusions
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Keep in mind unauthorised network charges are only covered in the event of a successful loss/theft claim.
Keep in mind you’ll need to pay a contribution of £100 each time you make a successful claim (this is the excess).
Read the policy document for full details and exclusions (PDF, 1.7MB)
We will also provide you with the Insurance Product Information Booklet (PDF, 254KB) as part of the account application process.
You are already covered for Mobile Phone Insurance. It’s recommended that you register your phone details as it may help simplify the process for any claims you might have to make in the future. To register your mobile phone, go to your Accounts Benefits tab in Internet Banking, use the Mobile Banking app or call Membership Services.
If you don’t bank online, you can register your mobile phone or make a claim by calling us.
Assurant provide a mobile device trade in service for UK resident Bank of Scotland customers. You can trade in eligible mobile devices for a cash payment directly into your current account. More information on Assurant.
Alternatively, you can visit us in branch.
We use a range of third party insurance providers for the Silver Account benefits (conditions and exclusions apply). For further details please see the full policy documents.
Vantage is free to add to your Silver 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.
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.
For more information and FAQs, please read the Account Switching Guide (PDF, 2.33MB)
An arranged overdraft can act as a short term safety net. You can use it to borrow money up to an agreed limit through your bank account.
Helpful tools - You can use our eligibility checker and cost calculator to check your eligibility and calculate the cost of an arranged overdraft.
Applying for an arranged overdraft – When you have applied for this account, at the end of the application you can apply for an arranged overdraft which you can add right away. You can also apply for one later.
Amending an arranged overdraft - You can reduce or remove your arranged overdraft at any time through Mobile Banking, Internet Banking or Telephone Banking or by visiting your branch. But you must repay anything you owe if you want to remove an arranged overdraft or anything over the new reduced limit you want. You can also apply to increase it. Using an arranged overdraft increases your overall borrowing and may affect your credit score.
If you don't have enough money in your account or available arranged overdraft to make a payment, we may either let you borrow through an unarranged overdraft or refuse to make the payment. Missing payments and using an unarranged overdraft can damage your credit score, please get in touch with us as we may be able to help you.
Applying for this product does not improve your eligibility for an arranged overdraft.
All overdrafts are subject to application and repayable on demand. You must be 18 or over to apply.
You can use the representative APR to compare with other products or credit providers, this can help you make sure that you chose the right type of borrowing for you.
Find out more about arranged overdrafts
If you already have a current account with us, you can apply for an arranged overdraft through Internet Banking or Mobile Banking. You can also apply to increase your existing arranged overdraft limit too.
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.
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.