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Switch to us
Switch your current account to Bank of Scotland.
Ready to switch Download the app and apply now
£175 with your name on it
Join Bank of Scotland and switch using the Current Account Switching Service.
To qualify, you'll need to:
- switch to a new Classic, Silver or Platinum account, including those with Vantage
- include the transfer of a minimum of 3 active direct debits from your old account
- meet all the conditions, and we’ll pay the £175 into your account within 14 working days of your switch starting.
Offer ends 29 June 2026. Monthly fees may apply. Terms and conditions apply.
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To qualify for the £175 switching offer (“the offer”) you must switch to a new Bank of Scotland current account using the ‘Current Account Switch Service’ to switch from a bank account held with another bank.
To qualify for the offer all the following conditions apply:
- Apply for a new Bank of Scotland current account; and
- Use the ‘Current Account Switch Service’ to transfer all the active credits and debits from the bank account that you hold with another bank to the new bank account which will close your old account with the other bank; and
- Your switch must include the transfer of a minimum of 3 active direct debits from your old account being switched to Bank of Scotland as part of the offer. Direct debits set up after your switch has been started and other types of automated payments, such as standing orders and recurring card payments, won’t count towards the offer; and
- Open the current account online, in branch or by phone between 19 May 2026 and 29 June 2026; and
- Start your switch from your old bank account using the ‘Current Account Switch Service’ by 29 June 2026; and
- If all of the above conditions are met, the offer will be paid directly into your account within 14 working days of your switch starting and will appear as a cash credit.
You can’t take part in the offer if:
- You open a Student Current Account, Smart Start, Under 19’s or a Basic Account
- You switch from a Halifax or Lloyds current account.
- You change your existing account you hold with Bank of Scotland to a different Bank of Scotland current account
- You’ve received a switching offer since 01 January 2023 for switching to any Lloyds, Bank of Scotland or Halifax Bank account.
- You are switching to a joint account and one of the parties to the joint account has already received a switching offer since 01 January 2023.
- The bank you are switching from does not participate in the ‘Current Account Switch Service’. To find out more visit www.currentaccountswitch.co.uk
Key exclusions
- The offer is subject to change and can be withdrawn without notice at any time.
- Only one offer is available per customer. Joint accounts will only be paid one payment.
How to switch bank accounts
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Although many things are switched automatically, we won’t:
- transfer regular payments or subscriptions that use your old debit card details. Contact each provider to give them your new card information
- update digital wallets, such as Apple Pay or Google Pay. Remove your old card and add your new one once it arrives
- transfer any arranged overdraft you have with your old bank. More about overdrafts and switching
- transfer your statement or transaction history. Your old bank should be able to give you copies if you need them.
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Working day 1
We’ll get in touch with your old bank to begin your switch.
Working day 2
We’ll let you know once your old bank has received the request. After that, we’ll start moving your regular payments to your new Bank of Scotland current account.
Working days 3 to 5
Over the next couple of days, we’ll transfer your regular payments and make sure everything is set for your chosen switch date.
Working day 6
If you’ve chosen to pay off any overdrawn balance on your old account as part of your switch, make sure there’s enough money in your new Bank of Scotland account to cover this on the seventh working day.
Working day 7
We’ll move your balance across and close your old account. Your switch will then be complete.
After your switch
Any payments sent to your old account will be redirected automatically to your new Bank of Scotland current account. We’ll also pass your new details to the sender for future payments.
Benefits of switching to Bank of Scotland
Switch an account from elsewhere to your existing Bank of Scotland account
If you have a current account with Bank of Scotland and want to switch in a current account held elsewhere you can do this in the mobile banking app.
Simply head to the 'Apply' section, look for current accounts and 'Switch to an existing account'.
You can also do this by logging in to online banking.
A look at the details
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An arranged overdraft is a short-term borrowing option on your current account that allows you to borrow up to an agreed limit. It can act as a buffer, helping you manage unexpected costs.
How do I apply for an arranged overdraft?
At the end of your current account application process, we may offer you an arranged overdraft. If we do, we'll tell you the maximum amount you can have and you can add it right away. You can also apply for one later.
What happens if I am overdrawn and want to switch?
We’ll show you the maximum amount of arranged overdraft we can offer you before you complete your switch request form. If we’re unable to offer you the full amount, you’ll need to make arrangements with your bank to pay back the remaining amount. If you’ve already got a current account with us you can log in to online banking or the mobile banking app to see if there’s an option to extend your arranged overdraft.
All overdrafts are subject to application and approval and are repayable on demand. You must be 18 or over to apply.
Useful tools
You can use the Cost Calculator to work out how much your anticipated arranged overdraft borrowing would cost over different periods of time.
You can use Eligibility Tool to find out if you can have an arranged overdraft.
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Introduction.
The Current Account Switch Service makes switching from one bank or building society to another simple and stress-free whether you’re a consumer, small charity or small business. You’ll find the main benefits of the service below:
Switch on your terms.
With the Current Account Switch Service you can choose a switch date to suit you. Just make sure you allow a minimum of seven working days.
Simple and stress-free.
The new account provider transfers any existing balance and all existing payment arrangements for you – including those going out (for example Direct Debits and standing orders), those coming in (for example, your salary) and payees you already have set up.
Wide ranging spread of UK banks and building societies are on board.
This means over 99% of UK current accounts are covered by the Current Account Switch Guarantee.
The switching process is the same everywhere.
Every bank and building society offering the service follows exactly the same switch process.
Payments are automatically redirected.
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.
Backed by the Current Account Switch Guarantee.
In the unlikely event that something goes wrong with your switch, the new provider will refund any interest or charges incurred on your old or new account as a result.
A single point of contact.
The whole process will be handled by the bank or building society you are switching to. If you have any questions or concerns, just ask your new provider.
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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.
Read the account switching guide (PDF, 230KB)account switching guide, PDF, opens in a new window
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If you have given permissions to Third Party Providers to make payments on your behalf, or to access your financial data, access to these services won’t be transferred automatically to your new account as part of the Current Account Switch Service.
- Before you close your old account, check whether you have any Third Party Provider permissions set up and if so, who with.
- Once your new account is open you can give your permission to the Third Party Provider to access your new account by providing them with your new account details. You will need to contact the Third Party Provider directly yourself to set this up.
- If you are unsure as to whether your New Bank will support the Third Party Provider permissions on your account, you will need to discuss this ahead of your switch with your New Provider who will be able to advise you of this. Please check your new provider’s terms and conditions for more information about Third Party Providers.
Important legal information
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.