No debit card fees from us at home or abroad

We won’t charge your debit card fees when you use your card to:

  • Make payments in a foreign currency
  • Take out money in any currency from an ATM at home or aboard
  • Take out money over the counter abroad

If you’re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you.

European and UK travel insurance

  • European and UK multi-trip travel insurance for you and your family including winter sports cover. 
  • Covers cancellation, medical costs and personal belongings cover.

 

All cover stops on the account holder’s 65th birthday.

Insurance is administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

AA Breakdown Family Cover

  • Roadside Assistance
  • Covers the account holder and eligible family members, not just the vehicle. 


Cover is provided by Automobile Association Developments Limited (trading as AA Breakdown Services).

 

 

 

 

Mobile phone insurance

  • Breakdown, faults, accidental damage, loss and theft up to £2,000
  • Covers one phone per account holder

 

Mobile phone insurance administered by Lifestyle Services Group Limited with a single Insurance provider, Assurant General Insurance Limited.

 

 

 

Benefits supplied by selected third-party providers. Limits, terms & exclusions apply.


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.

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 and fee-free Smart Start spending and savings account for 11-15 year olds.
  • 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.

£2 Monthly Discount

You could get a £2 account fee discount each month with this account. To qualify, in the previous month you'll need to have:

  • Paid in at least £4,300 (£5,500 if it's a joint account)

OR

  • Held savings of at least £75,000 in qualifying accounts for the whole month

Please note that to receive the discount, you must pay the full platinum account fee. The discount will then be paid into your account the following month. Conditions apply (pdf, 41KB).

To find out more, please read these Frequently Asked Questions (PDF, 122KB)

 

  • 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, or call them on 0800 138 7777 (Mon – Fri 8am to 6pm).

    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

    Key benefits and important exclusions for the travel insurance benefit

    Your benefit

    Some key benefits

    Some important exclusions

    Your benefit

    Travel Insurance

    Some key benefits

    • Covers certain Winter Sports
    • Covers UK leisure travel when two or more consecutive nights accommodation is booked (5 consecutive nights or more for business trips)
    • Comprehensive cover including:
      • Emergency medical cover (up to £10,000,000)
      • Cancellation or curtailment cover (up to £5,000)
      • Personal accident cover (up to £30,000)
      • Baggage cover (up to £2,500, £500 of which for valuables)
      • Travel disruption cover (up to £5,000)
    • Multi-trip European travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
    • 24/7 GP telephone and video consultation service

    Some important exclusions

    • All cover stops on your 65th birthday. As long as you are under 65 your spouse, civil partner or partner will also be covered until they reach 65
    • Medical conditions that you and anyone to be covered have, or have had, if they are not all on the ‘No Screen Conditions’ list must be declared and cover agreed with the insurer (there may be an additional premium if the insurer agrees to cover the condition(s))
    • £75 excess per adult per incident may apply
    • There's cover for the children of you/your partner, spouse or civil partner when travelling with either of you or another responsible adult, provided the children are 18 or under (24 or under if still in full time education). There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination
    • The standard maximum trip duration is 31 consecutive days (for Winter Sports maximum 31 days cover in any calendar year)
    • Cover is only available to UK residents, registered with a doctor in the UK and who start and end trips in the UK. (UK includes Channel Islands/Isle of Man.)
    • There is no cover for any amount recoverable from any other source such as your airline or your accommodation provider
    • There is no cover if travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO) or other regulatory authority
    • There is no cover if you cannot travel or choose not to travel because the FCDO, or any other equivalent government body in another country advises against travel due to a pandemic

    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.

    • For app, click on ‘view account benefits’ from the more button or search for ‘account benefits’.
    • For Internet Banking head to the ‘account benefits’ section.

    You can also make a claim by calling Silver Membership Services on 0345 602 0201.

    If you’re abroad and you need assistance, you can call our 24-hour assistance helpline on +44 (0)208 239 4011.

    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).

    Key benefits of AA breakdown cover

    Your benefit

    Some key benefits

    Some exclusions and rights to refuse service

    Your benefit

    AA Breakdown Family Cover

    Some key benefits

    • Roadside Assistance
    • Cover for the account holder and eligible family members, not the vehicle
    • Service is only available in the UK, Channel Islands and Isle of Man

    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:

    • Partner*
    • Parents**
    • Siblings***
    • Grandparents
    • Children****
    • Other family members*****

    * 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

    • The same or similar cause of breakdown attended by our mechanic in the last 28 days
    • The account holder, any joint account holder or eligible family member must be with the vehicle when it breaks down and when the mechanic arrives
    • The AA have the right to refuse to provide service if the vehicle is unsafe, un-roadworthy, unlawful or you’ve failed to maintain it (for example, no valid MOT, or continued failure to re-fuel or charge your vehicle)
    • There's no cover when travelling in a car, van, minibus or motorcycle exceeding the weight restriction of 3.5 tonnes and max width restriction of 8ft 3in (2.55m)
    • There’s no cover for you/your eligible family member if you or they are involved in a road traffic accident and the AA will not recover your vehicle. The AA may be able to provide support in the event of an accident if you decide to use the AA Accident Assist service - see below.

    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, call the AA direct on 0800 980 5792 or Silver Membership Services on 0345 602 0201.

    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.

    Benefits and important exclusions for mobile phone insurance

    Your benefit

    Some key benefits

    Some important exclusions

    Your benefit

    Mobile Phone Insurance

    Some key benefits

    • Insures one phone on a sole account and two phones from joint accounts
    • Repair or replacement of your phone worth up to £2,000 (including VAT) per claim (replacement phones will come from refurbished or re manufactured stock i.e. not brand new)
    • Covers loss, theft, damage or breakdown (including faults)

    Some important exclusions

    • Excess is £100
    • No more than two successful claims per account holder in any 12 month period

    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.

    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. You only need to call us in the event of a claim in which we will register the details of your phone. Follow these steps to register your mobile phone through Internet Banking:

    • Log into Internet Banking
    • Select the ‘More actions’ button on your Silver Account
    • Then select ‘View account benefits’ found under the ‘Account information and benefits menu’
    • You can register your phone under the ‘Mobile phone insurance’ section

    You can make a claim by calling Silver Membership Services on 0345 602 0201.

    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.

Existing customer queries

This account includes insurance and breakdown benefits. You can now view your policy details and make new claims in the app and Internet Banking. Log in and find it in your account menu under 'view account benefits’.

 

Explore account benefits

Additional account benefits

  • Earn interest - you could earn up to 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% grossGrossGross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HMRC. p.a.) variable interest on the part of your balance between £4,000 and £5,000 with our free Vantage add on. Lower balances will earn a lower rate. You'll need to meet some conditions to earn interest. Please read these carefully.
  • Up to 15% Cashback - with Everyday Offers when you pay by credit/debit card or Direct Debit at selected retailers. Merchant offers and cashback amounts vary. Terms and conditions apply.
  • Save the Change - round up your card payments to the nearest pound to save as you spend.
  • Mobile Banking app - highly secure and packed with features to make banking fast and convenient wherever you are.
  • Contactless payments - pay, tap & go with a Visa Debit Card up to £100. You can now use our mobile banking app to choose a contactless payment limit between £30 & £95. You can also add your card to Apple Pay and Google.
  • Preferential travel money rates – Benefit from improved rates on your travel money.
  • Access to our Internet Banking and the Mobile Banking app , 24 hour telephone services as well as any of our branches in Scotland.

Looking for an arranged overdraft?

An arranged overdraft can act as a short-term safety net – a helping hand to deal with the unexpected.

You can use it to borrow money up to an agreed limit through your bank account. And you’ll only be charged for the amount you use.

All overdrafts are subject to our assessment of your circumstances, and are repayable on demand

More about arranged overdrafts

Apply for a Silver account today

To apply for this account, you need to be:

  • aged 18 or older
  • someone who lives in the UK

In order to get your account opened as quickly as possible, we may ask you to provide photographic proof of identity during your application. It's easy, just send us a photo of your ID, take some selfies and we'll then verify your identity.

Open a Silver Account today

Apply with our app

Scan the QR code and join more than a million users on the Mobile Banking app.

Continue on the website

Mobile phone with flowers on screen and QR code

Existing customers

Open a new or change your existing current account on our app or Internet Banking.

Log in to apply

Joint account

I'd like to open a joint account

Mobile phone with flowers on screen

Apply with our app

Join more than a million users on the Mobile Banking app.

Download the app to get started

Continue on the website

Existing customers

Open a new or change your existing current account on our app or Internet Banking.

Log in to apply


Joint account

I'd like to open a joint account

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.

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

Explore all of our accounts

Joint bank accounts are an easy way to help two people manage money. See joint accounts

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

    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.

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

    Switch account guarantee
  • 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.

    • You can apply to add an arranged overdraft to your account and you’ll only pay daily arranged overdraft interest if you use it.
    • If you use your arranged overdraft but pay it back before the end of the day, then you won’t pay any arranged overdraft interest for that day.

    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.

     

  • Arranged overdraft details

    • £50 interest free amount
    • 39.9% EAR (variable) representative
    • Your interest rate will be based on how you manage any accounts you have with us and on the credit information we hold about you
    • No unarranged overdraft interest, fees or charges

    Representative Example

    A variable representative rate of 51.6% APR

    A variable annual interest rate of 39.9% EAR

    Based on Borrowing £1,200

    The APR includes monthly account fees of £11.50 and an interest free amount of £50

    How much does my overdraft cost in pounds and pence?

    As an example, the interest cost of borrowing £500 is:

    £2.87 for 7 days

    £12.42 for 30 days

    £25.18 for 60 days

    How does our overdraft compare?

    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.

    Cost Calculator

    You can use our calculator to work out how much your anticipated arranged overdraft borrowing would cost over different periods of time.

    Cost Calculator

    Eligibility Tool

    You can use our eligibility tool to find out if you are eligible for an arranged overdraft.

    Eligibility Tool

     

    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.

    Apply for an arranged overdraft

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.

Download the statement of responsibilities (PDF, 58.5KB)

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.