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 and Gold 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 of Scotland Bank accounts

Platinum Account


Silver Account


Classic Account


Under 19s


Student Account


Smart Start


Graduate Account


Basic Account


More information on our services


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.