Go paper-free
Amend paper-free preferences for your statements and correspondence.
The power to do it all on our new app
See your future bills and payments
View and check upcoming payments to stay on top of your finances.
Block or cancel your unused subscriptions
See subscriptions you pay for by debit card all in one place. Keep an eye on payments for streaming services, phone bills and food deliveries. Cancel or block subscriptions at any time.
Manage cards and view PIN
Access your card details or view your PIN, our app puts you in control. You can also freeze a lost card , but you must report it.
Biometrics and security
Biometrics use some of the latest technologies to fight fraud and help keep you and your money safe. Use your fingerprint or face recognition to make logging in faster and more secure.
Need help?
Get instant support in our app 24 hours a day.
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Arranged overdraft
An arranged overdraft can act as a short term safety net. You can use it to borrow money up to an agreed limit through your bank account.
- You can apply to add an arranged overdraft to your account and you’ll only pay daily arranged overdraft interest if you use it.
- If you use your arranged overdraft but pay it back before the end of the day, then you won’t pay any arranged overdraft interest for that day.
Helpful tools - You can use our eligibility checker and cost calculator to check your eligibility and calculate the cost of an arranged overdraft.
Applying for an arranged overdraft – When you have applied for this account, at the end of the application you can apply for an arranged overdraft which you can add right away. You can also apply for one later.
Amending an arranged overdraft - You can reduce or remove your arranged overdraft at any time through Mobile Banking, Internet Banking or Telephone Banking or by visiting your branch. But you must repay anything you owe if you want to remove an arranged overdraft or anything over the new reduced limit you want. You can also apply to increase it. Using an arranged overdraft increases your overall borrowing and may affect your credit score.
If you don't have enough money in your account or available arranged overdraft to make a payment, we may either let you borrow through an unarranged overdraft or refuse to make the payment. Missing payments and using an unarranged overdraft can damage your credit score, please get in touch with us as we may be able to help you.
All overdrafts are subject to application and repayable on demand. You must be 18 or over to apply.
Arranged overdraft details
- £0 interest free amount
- 39.9% EAR (variable) representative
- Your interest rate will be based on how you manage any accounts you have with us and on the credit information we hold about you
- No unarranged overdraft interest, fees or charges
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.
If you already have a current account with us, you can apply for an arranged overdraft through Internet Banking or Mobile Banking. You can also apply to increase your existing arranged overdraft limit too.
Lets look at the details
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Earn variable credit interest on balances of £1 - £5,000 by adding Vantage.
Vantage is free to add to your Classic Account. You could earn 1.50% AERAnnual Equivalent RateThis illustrates what the interest rate would be if interest was paid and compounded once each year. This allows you to compare more easily what return you can expect over time. (1.49% gross p.a.) variable on balances between £1 and £3,999, and 3.00% AERAnnual Equivalent RateThis illustrates what the interest rate would be if interest was paid and compounded once each year. This allows you to compare more easily what return you can expect over time. (2.96% gross p.a.) variable on balances between £4,000 and £5,000.
You won’t earn interest on any balance over £5,000. Simply add it when you apply.To earn interest, each calendar month you need to pay at least £1,000 into your account, keep your balance above £0, and pay out at least two different Direct Debits.
Interest is paid monthly. You’ll never be charged for having Vantage.
Visit the Vantage page for more information.
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Earn up to 15% cashback with Everyday Offers.
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.
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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 seven 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, please read the Account Switching Guide (PDF, 2.33MB)
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More information about the Classic Account
Bank of Scotland Bank Account conditions (PDF 318.6KB)
Bank Account Welcome Pack (PDF 321.5KB)
We’re making some changes to terms and conditions on 02 June 2025, for details please see Guide to Changes (PDF, 80KB)
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 need to be aged 18 years or over. Benefits also are subject to application and approval.
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.
