Straightforward Current Accounts

We offer Private Banking Current Accounts designed to help meet your everyday banking needs.

Flexible Current Account

  • Access to a dedicated contact who’ll oversee your day-to-day banking needs.
  • No account fees.

Bank of Scotland Visa debit card

  • Withdraw up to £800 cash a day if you have enough money in your account.
  • Accepted at millions of locations worldwide.

Personally arranged overdraft

Private Banking overdrafts are designed with your day to day needs in mind, allowing you the flexibility to draw funds as and when you need them, providing you with a high level of convenience for your short term lending needs. Once agreed, the arranged overdraft limit can be applied immediately* to your account. Lending is subject to our responsible lending criteria**.

To help you compare our debit card currency conversion charges with other providers you can find the percentage mark up over the European Central Bank rates here

Switching to Bank of Scotland Private Banking

If you qualify for Bank of Scotland Private Banking switching couldn't be easier.  If you already have a Bank of Scotland Current Account, you could upgrade it to a Flexible Current Account.  For new customers we can move your current account to Bank of Scotland.

* All overdrafts are subject to our assessment of your circumstances and are repayable on demand.

** How much we lend, the period and rate available are subject to our assessment of your circumstances. Specific eligibility criteria and conditions apply for certain types of lending. You must be 18 or over and a UK resident to apply. Lending is subject to status and application. Security may be required.”

Currency account

Flexible currency

Flexible currency

  • Open a Current Account in a currency other than pounds. 
  • Receive funds and make payments in a foreign currency, thereby avoiding exchange rate conversions to and from pounds. 
  • Most major currencies are available.

Am I eligible?

Am I eligible?

Available to customers who also hold a Bank of Scotland Private Banking Premier or Flexible Current Account.

Foreign exchange rates

If you want to make a payment to or from your currency account, in a different currency than the account currency:

  • We will change the payment from the account currency to the currency requested before making the payment. 
  • The exchange rate that will apply will be the relevant Bank of Scotland Standard Exchange Rate. 
  • Find out the rate by calling 0345 982 5319, or by speaking to us.

Bank of Scotland Currency Account terms and conditions (PDF, 210KB)

More account benefits

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Wealth services

In addition to our exclusive banking products, as a customer you will also benefit from personal introductions to our specialist partners who can support with your wealth needs.

Explore Wealth Services
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Banking anytime, anywhere

  • Online - Access to Internet Banking and mobile apps and a Private Banking Service Centre for convenient day-to-day transactional banking.
  • Telephone Banking - Our advisers are available 24 hours a day, 365 days of the year to help with your banking requests***.


*** Please note that although our lines are always open, not all Telephone Banking services are available 24 hours a day. There may be limits on payments you can make, and we may not be able to start processing all payments instructed out of normal banking hours.

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“I’m here to take ownership of whatever the customer needs and make things happen. Having a network of Private Banking experts at my fingertips enables me to do just that. Ultimately it comes down to aiming to provide the customer with a consistently high-quality experience.”


Jess Chambers

Relationship Associate

Contact us for a personal introduction

Existing Customer? If you are an existing Private Banking customer, please contact us on 0345 711 1111. Lines open 8am – 8pm, seven days a week. Not all Telephone Banking services are available 24 hours a day, seven days a week.

Service eligibility

Our Private Banking service is available to customers with £250,000 or more in savings and/or investments or a mortgage of £750,000 or more with Bank of Scotland.

And if you have £2 million or more in savings and/or investments or an annual income of £500,000 or more, you will be eligible for our Private Client service.

Call us

Call us

To find out more, please call us on:

0345 878 0022

Calls may be monitored and recorded. Calls cost may vary depending on your service provider.

Request a call back

Request a call back

Request a convenient time for us to call you:

Request a call back

Bank of Scotland plc and Lloyds Bank plc are both part of Lloyds Banking Group. More information on Lloyds Banking Group can be found at

Bank of Scotland plc
Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland No. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 169628.

Lloyds Bank plc 
Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.