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Classic Account

Free everyday banking when you stay in credit, plus add Vantage to earn interest.

  • A VISA debit card
  • Access to our Internet Banking and the Mobile Banking app, 24-hour telephone services as well as any of our branches in Scotland.
  • Add Vantage to earn interest on your credit balance
  • Earn up to 15% cashback with Everyday Offers1
  • Free mobile alerts
  • No monthly fee

Find out more

Silver Account

Our account that offers you a range of benefits for £11.50 per month.

  • European & UK travel insurance for you and your family including winter sports cover. All cover stops on the account holder’s 65th Birthday.
  • AA Breakdown Cover with Roadside Assistance
  • Mobile Phone Insurance
  • No debit card fees from us at home or abroad 
  • Preferential travel money rates
  • £11.50 monthly fee

Find out more

Platinum Account

An account packed with benefits, all in one place for £22.50 per month.

  • Worldwide Multi-Trip Travel Insurance for you and your family including winter sports cover. All cover stops on the account holder’s 80th birthday
  • AA Breakdown Family Cover with Roadside Assistance, National Recovery and At Home
  • Mobile Phone Insurance
  • No debit card fees from us at home or abroad 
  • Preferential travel money rates
  • £22.50 monthly fee

Find out more

Benefits are supplied by a third party provider

Student Account

We'll manage your money while you concentrate on study.

  • A VISA debit card
  • Access to our Internet Banking and the Mobile Banking app, 24-hour telephone services as well as any of our branches
  • Earn up to 15% cashback with Everyday Offers1
  • Free mobile alerts
  • No monthly fee
  • Interest-free arranged overdraft up to £1,500 in your 1st year of study (starting with £500 in months 1 to 6 from account opening, £1,000 in months 7 to 9 from account opening and £1,500 in months 10 to 12 from account opening). Un-tiered, interest-free arranged overdraft up to £1,500 in the 2nd and 3rd years of study. Up to £2,000 in the 4th, 5th and 6th years. Daily arranged overdraft interest will apply to borrowing over this amount. Your daily arranged overdraft interest rate is based on how you manage any accounts you have with us and on the credit information we hold about you. We will let you know your rate in the pre contract credit information we give you if you apply for an arranged overdraft.

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Smart Start

For 11 to 15 year olds who want to spend, save and learn with parental oversight. 

  • Your child gets their own Spending Account and Savings Account.
  • Contactless Visa debit card.
  • Parent or legal guardian has full visibility of account activity.
  • Smart Start guides to help your child manage their money.
  • Interest is earned on savings account only. Earn 2.85% AER/2.81% gross variable interest on balances of £1 to £1,000. Earn 1.15% AER/1.14% gross variable interest on any money above £1,000.
  • To apply for Smart Start parents should have an existing current account with Vantage and a Children's Saver account for the child.

Find out more

Under 19s Account

Straightforward personal banking for 11-17 year olds.

  • Earn interest on your money, which is paid quarterly:
  • For accounts opened before 23 August 2021 - Earn interest of 0.50% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. (0.50% grossGross rateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a.) variable on credit balances between £0.01 and £2,499.99. We do not pay interest on amounts of £2,500 or more.
  • For accounts opened on or after 23 August 2021 - Earn interest of 0.50% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. (0.50% grossGross rateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a.) variable on credit balances between £0.01 and £999.99. We do not pay interest on amounts of £1,000 or more.
  • Access to a tailored Internet Banking - this is a limited service for Under 19s Account holders
  • Free mobile alerts
  • No monthly fee
  • Overdraft - None

Find out more

Basic Account

A no-strings account with basic banking functions.

  • Free everyday banking with no interest, or charges for accidentally going overdrawn
  • Contactless VISA debit card
  • Access to our Internet Banking, the Mobile Banking app, Telephone Banking and free mobile alerts
  • No monthly fee
  • Overdraft - None

Find out more

* Representative Example (based on using a Student account)

A variable representative rate of 0% APR

A variable annual interest rate of 0% EAREAR is the Equivalent Annual Rate. This is the annual interest rate of an overdraft. This means you are charged over the year based on how often and how much you are overdrawn by, and the effect of compounding it – charging interest on interest already charged. This interest rate does not include any other fees and charges.

Based on Borrowing £1,200

This example assumes you are in the second year of your studies

How much does my overdraft cost in pounds and pence?

As an example, the interest cost of borrowing £500 is:

£0.00 for 7 days

£0.00 for 30 days

£0.00 for 60 days

How does our overdraft compare?

You can use the representative APR to compare with other products or credit providers, this can help you make sure that you chose the right type of borrowing for you.

Useful tools

You can use our calculator to work out how much your anticipated arranged overdraft borrowing would cost over different periods of time.

 

Cost Calculator

You can use our eligibility tool to find out if you are eligible for an arranged overdraft.

 

 

Eligibility Tool

Arranged overdrafts are subject to application and approval and repayable on demand. You must be 18 or over to apply. Arranged overdraft limits and interest rates vary based on your individual circumstances. 

Switch your account to us

Switching your current account to us couldn't be simpler. Find out more about the benefits of a Bank of Scotland current account.
 

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AER is Annual Equivalent Rate - this illustrates what the interest rate would be if interest was paid and compounded once each year. This allows individuals to compare more easily what return they can expect over time.

Gross rate means that no tax will be automatically deducted from interest on your behalf. You are responsible for paying any tax due to HMRC.

Account opening is subject to our assessment of your circumstances and to you meeting all eligibility conditions. You must be 18 or over to apply (aged 11 - 18 for the Under 19s Account and 17 or over for Student Account).

Any overdraft we agree is repayable on demand, including any interest and is subject to application and approval . You must 18 years old or over to apply.

1 To be eligible for Everyday Offers you need to be over 18, have a Bank of Scotland current account, a Bank of Scotland debit and/or credit card and be registered for Internet Banking. Once you’ve activated Everyday Offers, just activate each offer to earn cashback on your next purchase.

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

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