Become a client

Talk to us about how our expert service can help you with your aspirations and goals.

For access to advice from a Private Banking and Advice Manager, you’ll need at least £250,000 in savings, investments and/or personal pensions and/or a sole annual income of at least £250,000.

Before we provide you with any services or products, we will explain and agree with you what advice can be given, the products and services this advice covers and any charges that will apply.

Private Banking
Flexible Current Account

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.


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:

Current Account Switch Service

Current Account Switch Guarantee logo

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

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 what's expected of us, the lender and you the borrower.

Download the statement of responsibilities

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.