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 or Gold account

As the impact of coronavirus (COVID-19) is felt across the UK, customers have been contacting Allianz Assistance 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.

Allianz Assistance 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 by using the Allianz Assistance Hub.

Current bank accounts expandable section
Previous bank accounts expandable section
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

Current Account

Student Current Account

Expresscash

Easycash

Cardcash

Information on these accounts can be accessed below:

Bank account conditions opens in a new window (pdf, 181.4 KB)

Ultimate Reward Current Account benefits guide opens in a new window (pdf, 584.2 KB)

Ultimate Reward Current Account Fee Information Document opens in a new window (pdf, 161.1 KB)

Current Account Fee Information Document opens in a new window (pdf, 176.7 KB)

Student Current Account Fee Information Document opens in a new window (pdf, 162.6 KB)

Expresscash Fee Information Document opens in a new window (pdf, 173.0 KB)

Easycash Fee Information Document opens in a new window (pdf, 154.8 KB)

Cardcash 16-17 Fee Information Document opens in a new window (pdf, 155.4 KB)

Cardcash 18+ Fee Information Document opens in a new window (pdf, 155.7 KB)

We are also no longer accepting new applications for the following accounts:

Premier Account

Gold Account

Cash Account

Information on these accounts can be accessed below:

Gold Account Welcome Pack opens in a new window (pdf, 485.2 KB)

Premier Account Welcome Pack opens in a new window (pdf, 651.7 KB)

Premier Account Fee Information Document opens in a new window (pdf, 159.7 KB)

Premier Vantage Fee Information Document opens in a new window (pdf, 157.6 KB)

Gold Account Fee Information Document opens in a new window (pdf, 160.8 KB)

Gold Vantage Fee Information Document opens in a new window (pdf, 160.2 KB)

Cash Account Fee Information Document opens in a new window (pdf, 154.8 KB)

Current Bank of Scotland Bank accounts

Platinum Account

From 13 December 2023 there will be some changes to the benefits that come with this account. The Guide to Changes (PDF, 126KB) explains more.

Added Value Account Welcome Pack opens in a new window (pdf, 1.8 MB)
Added Value Account with Vantage Conditions opens in a new window (pdf, 43.0 KB)
Platinum Account Fee Information Document opens in a new window (pdf, 176.5 KB)
Platinum Vantage Fee Information Document opens in a new window (pdf, 176.1 KB)

Silver Account

From 13 December 2023 there will be some changes to the benefits that come with this account. The Guide to Changes (PDF, 125KB) explains more.

Silver Account Welcome Pack opens in a new window (pdf, 2.1 MB)
Added Value Account with Vantage Conditions opens in a new window (pdf, 43.0 KB)
Silver Account Fee Information Document opens in a new window (pdf, 176.9 KB)
Silver Vantage Fee Information Document opens in a new window (pdf, 177.7 KB)

Classic Account

Classic Account Welcome Pack opens in a new window (pdf, 567.3 KB)
Classic Account with Vantage Conditions opens in a new window (pdf, 41.2 KB)
Classic Account Fee Information Document opens in a new window (pdf, 176.6 KB)
Classic Vantage Fee Information Document opens in a new window (pdf, 157.9 KB)

Under 19s

Account Under 19s Account Welcome Pack opens in a new window (pdf, 567.3 KB)
Under 19s Account Fee Information Document opens in a new window (pdf, 155.4 KB)

Student Account

Student Account Welcome Pack opens in a new window (pdf, 567.3 KB)
Student Account Fee Information Document opens in a new window (pdf, 159.8 KB)

Smart Start

Smart Start Welcome Pack opens in a new window (pdf, 537.9 KB)
Smart Start Terms and Conditions opens in a new window (pdf, 239.9 KB)
Smart Start Fee Information Document opens in a new window (pdf, 170.3 KB)

Graduate Account

Graduate Account Welcome Pack opens in a new window (pdf, 567.3 KB)
Graduate Account Fee Information Document opens in a new window (pdf, 157.9 KB)

Basic Account

Basic Account Welcome Pack opens in a new window (pdf, 567.3 KB)
Basic Account Fee Information Document opens in a new window (pdf, 140.3 KB)

More information on our services

Bank Account Conditions & Banking Charges opens in a new window (pdf, 196.0 KB)
Overdraft Draft agreement for Personal Current Accounts opens in a new window (pdf, 54.4 KB)
Overdraft Draft agreement for Personal Current Accounts prior to 12 September 2011 opens in a new window (pdf, 54.4 KB)
Overdraft Draft agreement for the Student Current Account prior to 12 September 2011 opens in a new window (pdf, 54.4 KB)

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

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.