Switch to us

Switching logoSwitch your current account to Bank of Scotland

Switching your current account to us is now faster and more convenient than ever. Use the Current Account Switch Service to transfer your salary, Direct Debits, standing orders and close your old account all in seven working days. You can even choose the day you want the switch to complete.

Benefits of switching to Bank of Scotland.

  • 3 month fee-free arranged overdraft when you switch to us.
    Once your 3 month fee-free period ends we will charge a daily arranged overdraft fee of 1p per £7 borrowed. Arranged overdrafts are subject to application and approval, and are repayable on demand.
  • Bank on the Move.
    Manage your account conveniently with access to Internet Banking, our award winning Mobile Banking App1 or on your iPad using Express Login.
  • With Vantage, earn 1.5% AER (1.49% Gross) variable on your balance of £1 - £5,000.
    Simply pay at least £1000 into your account each calendar month, stay in credit (above £0) during the monthly billing period, and pay at least two different Direct Debits from your account each calendar month.
  • Earn up to 15% cashback with Everyday Offers from selected retailers.
    Also, by choosing It's On Us, each month we give 500 customers up to £500 back on one of their debit or credit card purchases as a way of saying thank you.2

Starting your switch.

Choose a new current account and switch.


  1. Compare and apply for your new Bank of Scotland current account.
  2. Choose to switch at the end of your application.
  3. Let us do the rest and your switch will be completed in seven working days.

Already have a Bank of Scotland Current Account?


  1. Complete our simple online switching form.
  2. Let us do the rest and your switch will be completed in seven working days.

Alternatively, call us on 03456 02 52 93 (open Mon-Fri 8am-8pm and Sat 9am-4pm) or make an appointment at your local branch.

How the switching process works.

  • Working day 1-2 - Your switch begins – We will contact your old bank and start the process of transferring your payment arrangements to your Bank of Scotland current account.
  • Working day 3-5 - We switch your payment arrangements and make sure your Bank of Scotland account is ready for the switch date, which takes a couple of days.
  • Working day 6-7 - If you are clearing a debit balance on your old account, check your funds. You will need to make sure there are enough funds in your Bank of Scotland account to cover this transfer.

Switching logoWe 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.Crystal mark image
  • 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

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 a 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.

If you’re opening your account and you switch your main current account to Bank of Scotland, we’ll give you an arranged overdraft with no daily arranged overdraft fees for the first three months, subject to status. After this time, daily arranged overdraft fees will apply based on the account you’ve chosen.

How to apply for the arranged overdraft

At the start of your current account application we’ll ask you if you would like to apply for an arranged overdraft. If you say yes, we’ll tell you the maximum arranged overdraft we can offer you.

Overdrafts are repayable on demand and are subject to approval.

Arranged Overdraft Offer Conditions

To qualify for the fee-free offer you must:

  • Use the Current Account Switch Service. This service means your old account will be closed and all your payments transferred to your new Bank of Scotland account
  • Have not used the offer within the last 12 months
  • Have applied, and been approved for, an arranged overdraft on your new Bank of Scotland account