Bank of Scotland terms and conditions
Important information in one place for our current range of bank accounts and accounts we are no longer accepting new applications for.
With cases of coronavirus (COVID-19) being diagnosed in various countries, customers have been contacting AXA and Bank of Scotland to understand how their travel insurance is impacted. You should monitor the situation through official sources such as the Foreign and Commonwealth Office (FCO) and the World Health Organisation (WHO).
It is important to note that if you book a holiday after 18 March 2020, your policy will not cover any trip under the ‘Cancellation or curtailment charges and early return’ section in relation to coronavirus. AXA will continue to cover medical costs if you become ill in a country or region the FCO hasn’t advised against visiting.
If you booked a trip up to and including 18 March 2020 and want to understand the cover you have please read the FAQs. You can also register a claim online.
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Previous Bank of Scotland Bank Accounts
Following a refresh of our products, we are no longer accepting new applications for the following accounts:
- Ultimate Reward Current Account
- Reward Current Account
- Current Account
- Student Current Account
- Expresscash
- Easycash
- Cardcash
Information on these accounts can be accessed below:
- Bank account conditions (PDF)
- Ultimate Reward Current Account benefits guide (PDF)
- Ultimate Reward Current Account Fee Information Document (PDF)Ultimate Reward Current Account Fee Information Document (PDF)
- Reward Current Account Fee Information Document (PDF)
- Current Account Fee Information Document (PDF)
- Student Current Account Fee Information Document (PDF)
- Expresscash Fee Information Document (PDF)
- Easycash Fee Information Document (PDF)
- Cardcash 16-17 Fee Information Document (PDF)
- Cardcash 18+ Fee Information Document (PDF)
We are also no longer accepting new applications for the following accounts:
- Premier Account
- Gold Account
- Silver Account
- Cash Account
Information on these accounts can be accessed below:
Important information - We are looking at ways to help you during these difficult times.
The AA has agreed to provide all Silver and Gold Added Value Account customers with Home Start breakdown cover. This is only for a temporary period from 26th May until midnight on 30th June 2020 and comes at no additional cost. Please see here for the details in full.
- Gold Account Welcome Pack (PDF)
- Silver Account Welcome Pack (PDF)
- Premier Account Welcome Pack (PDF)
- Cash Account Welcome Pack (PDF)
- Premier Account Fee Information Document (PDF)Premier Account Fee Information Document (PDF)
- Premier Vantage Fee Information Document (PDF)
- Gold Account Fee Information Document (PDF)
- Gold Vantage Fee Information Document (PDF)
- Silver Account Fee Information Document (PDF)
- Silver Vantage Fee Information Document (PDF)
- Cash Account Fee Information Document (PDF)
Current Bank of Scotland Bank accounts
Platinum Account
- Added Value Account Welcome Pack (PDF)
- Added Value Account with Vantage Conditions (PDF)
- Platinum Account Fee Information Document (PDF)
- Platinum Vantage Fee Information Document (PDF)
Classic Account
- Classic Account Welcome Pack (PDF)
- Classic Account with Vantage Conditions (PDF)
- Classic Account Fee Information Document (PDF)
- Classic Vantage Fee Information Document (PDF)
Under 19s
Student Account
Graduate Account
Basic Account
More information on our services
- Bank Account Conditions & Banking Charges (PDF)
- Overdraft Draft agreement for Personal Current Accounts (PDF)
- Overdraft Draft agreement for Personal Current Accounts prior to 12 September 2011 (PDF)
- Overdraft Draft agreement for the Student Current Account prior to 12 September 2011 (PDF)
Third party insurance providers
Travel insurance is provided by AXA Insurance UK plc.
Mobile Phone Insurance is administered by Lifestyle Services Group Limited and underwritten by Assurant General Insurance Limited.
AA Breakdown Cover is provided by Automobile Association Developments Limited (trading as AA Breakdown Services). AA Stay Mobile and Accident Management Cover are underwritten by Acromas Insurance Company Limited.
Card Loss Assistance is provided by Citymain Administrators Ltd. Registered in England and Wales company number 03979666. Registered office: 3000 Lakeside, North Harbour, Western Road, Portsmouth, PO6 3EN.
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.