Terms and conditions

Read up on the terms and conditions for our range of bank accounts and the services we offer.

Current bank accounts

We’re making some changes to our conditions on 02 June 2025. For details, see our guide to changes (PDF, 72KB).

More information on our services

Previous Bank of Scotland Bank Accounts

Getting started online

 

Mobile banking app

  • Join our 1 million app users
  • Simple and secure login.
  • Set up handy notifications.

 
 

Online banking

Log in to view or manage your accounts on our website.

Log in

Register

Mobile banking app

  • Join our 1 million app users
  • Simple and secure log in.
  • Set up handy notifications.
Download app

Online banking

Log in to view or manage your accounts on our website.

Log in

Register

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Message us online

Get answers to your everyday banking questions. Log in to our app or online banking to get in touch.

How to message us

Your Credit Score

Check your credit score for free, with no impact on your credit file.
 

Check Your Credit Score

Money worries

With the rising cost of living, it's natural to worry about your money. We’re here to help.
 

Help with your finances

Bank account support

We're here to help you get the most out of your bank account.

Find the help you need

Bank account support

We're here to help you get the most out of your bank account.

Find the help you need

Third-party insurance providers

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

Mobile Phone Insurance is administered by Lifestyle Services Group Limited and underwritten by Assurant General Insurance Limited.

AA Breakdown Family Cover is provided by Automobile Association Developments Limited (trading as AA Breakdown Services). AA Onward Travel is underwritten by Acromas Insurance Company Limited