Our Flexible Current Account is designed to meet your everyday banking requirements while also offering the flexibility to help with your short-term borrowing needs.

Bank of Scotland Classic Credit Card.

Personal overdrafts

Rates and fees are agreed individually with you. Once agreed, the overdraft limit can be applied immediately to your account. Lending is subject to our responsible lending criteria.1

Bank of Scotland Visa debit card

This allows you to withdraw up to £500 cash a day as long as you have enough money in your account and to pay for goods and services. Accepted at over 23 million locations worldwide.

Account Fees

There is no monthly fee for this account.

Internet and Mobile Banking

To help you manage your everyday finances when it suits you best.

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 some of the payments you can make and we may not be able to start processing all payments instructed out of normal banking hours.

Further Information:


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.

Become a Customer

To apply for our Private Banking service, you’ll need to have: at least £250,000 in savings and/or investments with Bank of Scotland, and/or at least a £750,000 mortgage with Bank of Scotland.

Any charges that apply and what these cover will be explained and agreed with you before any services or products are provided to you.

Find out more Find out more about Private Banking and the fees for this service


Information about switching your bank account to us using the Current Account Switch Service:

Current Account Switch Guarantee logo

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details whats expected of us, the lender and you the borrower.

1 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. Overdrafts are repayable in full on demand.

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..