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Bank of Scotland terms and conditions
Important information in one place for our current range of bank accounts and accounts we are no longer accepting new applications for.
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Previous Bank of Scotland Bank Accounts
Following a refresh of our products, we are no longer accepting new applications for the following accounts:
- Ultimate Reward Current Account
- Current Account
- Student Current Account
- Expresscash
- Easycash
- Cardcash
Information on these accounts can be accessed below:
- Bank account conditions opens in a new window (pdf, 324.7 KB)
- Ultimate Reward Current Account benefits guide opens in a new window (pdf, 963.3 KB)
We are also no longer accepting new applications for the following accounts:
- Premier Account
- Gold Account
- Cash Account
Information on these accounts can be accessed below:
- Gold Account Welcome Pack opens in a new window (pdf, 810.7 KB)
- Premier Account Welcome Pack opens in a new window (pdf, 1.1 MB)
Current Bank of Scotland Bank accounts
Platinum Account
From 14th April 2025 there will be some changes to the insurance cover that comes with this account. The Guide to Changes (PDF, 75KB) explains more.
Silver Account
From 14th April 2025 there will be some changes to the insurance cover that comes with this account. The Guide to Changes (PDF, 75KB) explains more.
Classic Account
- Bank Account Welcome Pack opens in a new window (pdf, 321.5 KB)
- Classic Account with Vantage Conditions opens in a new window (pdf, 48.5 KB)
Under 19s
- Bank Account Welcome Pack opens in a new window (pdf, 321.5 KB)
Student Account
- Bank Account Welcome Pack opens in a new window (pdf, 321.5 KB)
Smart Start
- Smart Start Welcome Pack opens in a new window (pdf, 537.9 KB)
- Smart Start Terms and Conditions opens in a new window (pdf, 388.3 KB)
We’re making some changes to our conditions on 02 June 2025. For details, please see our guide to changes (PDF, 72KB).
Graduate Account
- Bank Account Welcome Pack opens in a new window (pdf, 321.5 KB)
Basic Account
- Bank Account Welcome Pack opens in a new window (pdf, 321.5 KB)
More information on our services
- Bank Account Conditions & Banking Charges opens in a new window (pdf, 318.6 KB)
- Overdraft Draft agreement for Personal Current Accounts opens in a new window (pdf, 63.0 KB)
- Overdraft Draft agreement for Personal Current Accounts prior to 12 September 2011 opens in a new window (pdf, 63.0 KB)
- Overdraft Draft agreement for the Student Current Account prior to 12 September 2011 opens in a new window (pdf, 63.0 KB)
Third party insurance providers
Travel insurance is administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.
Mobile Phone Insurance is administered by Lifestyle Services Group Limited and underwritten by Assurant General Insurance Limited.
AA Breakdown Family Cover is provided by Automobile Association Developments Limited (trading as AA Breakdown Services). AA Onward Travel is underwritten by Acromas Insurance Company Limited
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.