If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. To help find the right solution for your needs you can use our coronavirus support tools for credit cards and loans and for Halifax mortgages. If you have a Bank of Scotland mortgage, find out more here.

Terms and Conditions

All our banking, savings and credit cards terms and conditions brochures are available in PDF form to view and download from our Help Centre, just click on the links below.

To view these you'll need Adobe Acrobat Reader.  If you don't have it, you can download it from the Adobe website.

Bank Accounts Terms and Conditions

Click here to see terms and conditions and our previous bank accounts.

Savings Terms and Conditions

Credit Cards Terms and Conditions

Click here to see terms and conditions (PDF) for each of our credit cards.

Internet Banking Service Conditions

View our Internet Banking Service conditions

Common enquiries

Managing debt

Do you constantly juggle money? Find out how you could get things under control.

Useful information