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Basic Account
Our Bank of Scotland Basic Account may be available if you don’t meet the conditions for one of our other current accounts.
This might be because you’re bankrupt, in financial difficulty, or if we’re not able to obtain information about your credit history.
Features of this account
Every month you have the chance to win £2,026
You need to activate the offer each month and be paid £1,000 or more into your personal current account each month to enter the monthly payday prize draw.
Open a bank account today
You cannot apply for a Basic Account directly
You will need to start the application process for a current account with us, and we will run a soft credit search to check your details.
This won’t impact your credit score or your ability to apply for credit in the future.
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If you are unable to apply online, you can apply for your loan by calling us.
Switch to us
You can switch your current account from one bank or building society to another in only 7 working days.
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Switch to us in only 7 working days
We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take 7 working days. As your new current-account provider we offer the following guarantee.
- The service is free to use and you can choose and agree your switch date with us.
- We will take care of moving all your payments going out (for example, your direct debits and standing orders) and those coming in (for example, your salary).
- If you have money in your old account, we will transfer it to your new account on your switch date.
- We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
- If there are any issues in making the switch, we will contact you before your switch date.
- If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.
For more information and FAQs, read the Account Switching Guide (PDF, 2.4MB).
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.
