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.
Customers with an Ultimate Reward, Premier, Gold or Silver account
As the impact of coronavirus (COVID-19) is felt across the UK, customers have been contacting AXA and Bank of Scotland to understand how their travel insurance is impacted. Since the World Health Organisation (WHO) announced that the coronavirus outbreak is a pandemic, this is now a ‘known event’. This means that if you book any travel or holiday after 18 March 2020, your policy will not cover cancellation and early returns related to coronavirus.
AXA will continue to cover medical costs if you become ill in a country or region the Foreign, Commonwealth and Development Office (FCDO) hasn’t advised against visiting.
Ultimate Reward Current Account customers: please read our FAQs (PDF, 145KB) to understand your cover in more detail.
Premier, Gold and Silver Account customers: please read our FAQs (PDF, 145KB) to understand your cover in more detail. You can also register, service and check for updates on 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 conditionsopens in a new window (web)
- Ultimate Reward Current Account benefits guideopens in a new window (web)
- Ultimate Reward Current Account Fee Information Documentopens in a new window (web)
- Reward Current Account Fee Information Documentopens in a new window (web)
- Current Account Fee Information Documentopens in a new window (web)
- Student Current Account Fee Information Documentopens in a new window (web)
- Expresscash Fee Information Documentopens in a new window (web)
- Easycash Fee Information Documentopens in a new window (web)
- Cardcash 16-17 Fee Information Documentopens in a new window (web)
- Cardcash 18+ Fee Information Documentopens in a new window (web)
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:
- Gold Account Welcome Packopens in a new window (web)
- Silver Account Welcome Packopens in a new window (web)
- Premier Account Welcome Packopens in a new window (web)
- Cash Account Welcome Packopens in a new window (web)
- Premier Account Fee Information Documentopens in a new window (web)
- Premier Vantage Fee Information Documentopens in a new window (web)
- Gold Account Fee Information Documentopens in a new window (web)
- Gold Vantage Fee Information Documentopens in a new window (web)
- Silver Account Fee Information Documentopens in a new window (web)
- Silver Vantage Fee Information Documentopens in a new window (web)
- Cash Account Fee Information Documentopens in a new window (web)
Current Bank of Scotland Bank accounts
Platinum Account
Classic Account
Under 19s
Student Account
Smart Start
- Smart Start Welcome Packopens in a new window (pdf, 150.7 KB)
- Smart Start Terms and Conditionsopens in a new window (pdf, 260.0 KB)
- Smart Start Fee Information Documentopens in a new window (pdf, 170.3 KB)
Graduate Account
Basic Account
More information on our services
- Bank Account Conditions & Banking Chargesopens in a new window (web)
- Overdraft Draft agreement for Personal Current Accountsopens in a new window (web)
- Overdraft Draft agreement for Personal Current Accounts prior to 12 September 2011opens in a new window (web)
- Overdraft Draft agreement for the Student Current Account prior to 12 September 2011opens in a new window (web)
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.