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Silver Account
Our account that offers you a range of everyday benefits. European family travel insurance, AA Breakdown Family Cover & Mobile phone insurance for a £10 monthly fee.
If you choose to add Vantage during the application you can also earn interest on your credit balance and take advantage of exclusive banking offers.
Get all of these benefits plus much more for a £10 monthly fee to maintain the account.
Bear in mind that there are other accounts available to you that provide banking facilities without additional benefits, and which do not have a monthly maintaining the account fee.
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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.
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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
Changes to the Travel Insurance benefit
From 13 December 2023 there will be some changes to the benefits that come with this account. Before you decide if this account is right for you, read the Guide to Changes (PDF, 125KB). Some of these changes may affect what you're covered for from the change date. Below are some key changes affecting this cover:
- Medical conditions that aren't all on the travel policy “no screen" list must be declared and cover agreed with the insurer. As they do not class a 'hip replacement' as a medical condition it will be removed from the list and you may need to contact Allianz to see if they can cover you. This will depend on the reason for your hip replacement and the guide explains more about this.
- Allianz are making it clearer that where you’ve booked and paid for a group to travel, they’ll only cover costs for people who they insure under the policy.
- There’s Financial Failure cover as part of the existing Travel Insurance. This may be needed if an end supplier that you’ve booked travel or accommodation with becomes insolvent. The provider of this cover and contact numbers will change but this won’t affect what you can claim for and the guide has more details.
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
- 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
- Children must travel with you, your spouse, partner or civil partner or a responsible adult
- The standard maximum trip duration is 31 consecutive days (for Winter Sports maximum 31 days cover in any calendar year)
- 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).
Changes to AA Breakdown Family Cover benefit
From 13 December 2023 there will be some changes to the benefits that come with this account.
Before you decide if this account is right for you, read the Guide to Changes (PDF, 125KB). Some of these changes may affect what you're covered for from the change date. Below is one of the key changes affecting this cover:
- The AA will change some of their general exclusions and conditions. and they’ll include a right to refuse to provide services where you haven’t maintained the vehicle. For example, where you haven’t permanently repaired a fault following a temporary AA fix.
Key benefits of AA breakdown cover
Your benefit
Some key benefits
Some general 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*****
You’ll all be covered as drivers or passengers in most vehicles, including cars, motorbikes and vans.
* 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 general rights to refuse service
- The same or similar cause of breakdown attended by our mechanic in the last 28 days
- Faults due to lack of routine maintenance
- 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
- To keep a vehicle roadworthy, it must be taxed, insured and have a valid MOT
- 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).
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.
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 phone up to a maximum of £2,000 (including VAT)
- 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.
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- There is cover for emergency medical assistance overseas if you fall ill (including being diagnosed with an epidemic or pandemic disease)
- There is cancellation cover if you or your travelling companion are refused boarding on booked transport if the carrier or a Government authority will not let you travel because, at the point of boarding, you or they are showing symptoms of a contagious disease
- There is cancellation cover for anyone booked to travel and covered under the policy if they, or a companion they are travelling with, are asked to quarantine on an individual basis because of exposure to a contagious disease
- There won’t be cover if you’re abroad and you are instructed to return home, or choose to leave early to avoid having to quarantine when you get home due to the risk of exposure to a contagious disease. The instruction to return home could be from the UK Government or from the government of the country you’re visiting
- 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 you choose not to or cannot travel because the FCDO (or any other equivalent government body) advises against travel due to a pandemic
If you’re a Silver account customer, please read our travel insurance FAQs (PDF, 145KB)
Compare our Packaged Bank Accounts to make sure you get the right level of cover
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European and UK Travel Insurance |
Worldwide Travel Insurance |
Breakdown Roadside Assistance |
Breakdown At Home and National Recovery |
Mobile Phone Insurance |
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Silver Account£10 monthly fee to maintain the account |
European and UK Travel Insurance
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Worldwide Travel Insurance
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Breakdown Roadside Assistance
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Breakdown At Home and National Recovery
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Mobile Phone Insurance
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The account you're viewing |
Platinum Account£21 monthly fee to maintain the account |
European and UK Travel Insurance
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Worldwide Travel Insurance
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Breakdown Roadside Assistance
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Breakdown At Home and National Recovery
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Mobile Phone Insurance
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(up to age 65)
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% gross 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.
Arranged overdraft
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.
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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
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.
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.
Alternatively, you can phone us or 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.
More information about the Silver Account
Is this the right account for you?
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Monthly fee for maintaining the account |
Platinum£21 |
Silver£10 |
ClassicNo Fee |
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Overdraft facility available |
Platinum
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Silver
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Classic
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European and UK travel insurance |
Platinum
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Silver
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Classic
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Worldwide travel insurance |
Platinum
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Silver
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Classic
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AA Roadside Assistance |
Platinum
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Silver
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Classic
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AA National Recovery & At Home |
Platinum
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Silver
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Classic
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Mobile phone insurance |
Platinum
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Silver
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Classic
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Option to add Vantage to the account |
Platinum
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Silver
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Classic
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Platinum |
SilverThe account you're viewing |
Classic |
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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.
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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.
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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]()
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.
