Track down an unclaimed account

Forgotten your Savings account with Bank of Scotland? We can help reunite you with your money

If you have held a Bank of Scotland account in the past and think you may still have accounts with us, we can do our best to find and reactivate these for you.

Before you begin, try and get hold of the following information about your Bank of Scotland account. This will help speed up your search:

  • Old bank statements
  • Old passbooks
  • Any correspondence from us
  • Any other information relating to your account

To start the tracing process

  • You can contact us on 03456 02 03 04  (lines are open Monday to Sunday 7am – 11pm) or visit any Bank of Scotland branch where a member of staff will be able to talk you through what needs to be done
  • Alternatively, you can visit to submit an electronic account tracing form online. This is an official site set up by UK Finance, the Building Societies Association (BSA) and National Savings and Investments (NS&I) and can be used to trace accounts which may have been lost from multiple banks and building societies
  • Or, you can download and print a copy from the above link and send it directly to us at:
    Bank of Scotland Settlements Team
    3rd Floor
    Ettrick House
    37 Gyle Crescent
    EH12 9DS

If you do contact us by phone or visit the branch, please have to hand any old passbooks, statements or other information related to the account you're trying to trace. If you come into a branch you'll also need to bring along some identification, such as a passport or driving licence.

Once we have traced your accounts we’ll write to you about the next steps to reunite you with your money. You should hear from us within 90 days. We will also contact you if we need any further information.


About the scheme

We participate in the unclaimed assets scheme established under the Dormant Bank and Building Societies Act 2008. The purpose of the scheme is to enable money in dormant accounts (which means balances in accounts that have been inactive or dormant for 15 years or more) to be distributed for the benefit of the community, while protecting the rights of customers to reclaim their money.

Under the scheme, we may transfer balances of dormant accounts to Reclaim Fund Limited (RFL). RFL is a not-for-profit reclaim fund which is authorised and regulated by the Financial Conduct Authority.

If we transfer the balance of your account to RFL, you will have against RFL whatever right to payment of your balance as you would have had against us if the transfer had never happened. However we will remain responsible for managing all aspects of the customer relationship with you and for handling all repayment claims (which we will do on behalf of RFL). Therefore you should continue to contact us in the usual way if you have any queries or complaints in relation to your account or balance.

Both we and RFL participate in the Financial Services Compensation Scheme (FSCS). The transfer by us to RFL of your balance will not adversely affect any entitlement you have to compensation from the FSCS.

*Lines open 8am to 8pm Monday to Friday, 8am to 6pm on Saturday and 9am to 5pm on Sunday