Bank of Scotland current accounts for May 2025
Need a new home for your everyday cash? Explore Bank of Scotland's wide range of bank accounts.

The Scottish side of Lloyds Banking Group, Bank of Scotland is a big, traditional bank that offers solid benefits and a variety of financial products that can serve different purposes and needs.
To make comparing even easier we came up with the Finder Score. Fees, features and customer service across 20+ of the most popular banks are all weighted and scaled to produce a score out of 10. The higher the score the better the account – simple.
Read the full methodologyFrom a very basic bank account with no overdraft options to a premium option packed with insurance benefits, Bank of Scotland has a full range of current accounts that can suit different people and needs:
Although it doesn’t have a dedicated reward account, Bank of Scotland allows you to add a “Vantage” option to every Classic account. If you pay at least £1,000 a month into the account, are in credit and have set up 2 direct debits, you can earn a surprisingly competitive interest on cash held in the account. The Classic account also offers customers up to 15% cashback with selected retailers when they make purchases with their account’s debit card.
Learn more about reward and incentive accounts
Bank of Scotland’s Platinum account comes with a pretty expensive monthly fee (£21), but it’s the place to go to if you’re looking for a really comprehensive insurance package to go with it. It includes travel insurance, mobile phone insurance, breakdown cover and card loss assistance. As with the Classic account, Platinum account holders can also use the Vantage add-on to earn interest on their balance.
Platinum account holders and current account customers with a Vantage add-on can also take advantage of preferential exchange rates when buying travel money with Bank of Scotland.
Learn more about premium current accounts
It can be difficult to stay in credit if you’re living the student life, so Bank of Scotland gives you a fee-free overdraft up to £1,500. Student accounts are notoriously packed with benefits of all kinds, so don’t forget to compare them and see what’s available out there.
Learn more about student accounts
With a Bank of Scotland children’s account, your kids can open an account when they are as young as 11. It comes with a competitive interest rate paid on the balance (0.5% up to £999, the icing on the cake of pocket money) and even a dedicated version of online banking.
Learn more about children’s accounts
Bank of Scotland offers a business account for small businesses and start-ups, as well as an account for larger businesses that have an estimated turnover of more than £3 million in the next 12 months. On top of this, it has accounts for schools and community groups, including charities, plus business accounts for professional practices including solicitors, accountants, insurance brokers and estate and managing agents.
Learn more about business accounts
Bank of Scotland sometimes offers cash switching deals. As of October 2024 it only offers up to 15% cashback at selected retailers and a 3-month 0% arranged overdraft if you switch your account there using the Current Account Switch Service. After that, you’ll be charged interest daily. If you’re looking for a chunk of cash to switch bank accounts, you can look at switching deals from other banks.
Yes. You can open a joint account with 2 people online, as long as you’re both Bank of Scotland customers. If not, you’ll need to apply in branch.
Yes, Bank of Scotland offers packaged accounts. It has a Silver Account (£11.50 a month) and a Platinum Account (£22.50 a month). They come with a range of benefits including travel insurance, AA breakdown cover and mobile phone insurance.
In our independent 2025 customer satisfaction survey, 90% of Bank of Scotland’s users said they’d recommend the brand to a friend. Customers highlighted the bank’s reliable customer service. Here’s what some of those Bank of Scotland customers had to say:
“I have been a customer for over 40 years and have always found staff friendly and approachable, with good products that suit our family’s needs.”
“They are a professional and secure bank with friendly and helpful staff, very good and easy to use online banking.”
On Trustpilot, it scores 1.6 out of 5, from 838 reviews. On the Apple App Store, Bank of Scotland’s mobile banking app scored 4.8 out of 5 stars, based on almost 304,000 user reviews. On the Google Play Store, it scores 4.6 out of 5 stars, from a grand total of 48,600 reviews (last updated April 2025).
To open an account with Bank of Scotland, you’ll have to provide the following information:
You can open a Bank of Scotland account online or by visiting a branch.
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The Vantage option is a standout feature with Bank of Scotland’s current accounts. A good choice if you are regularly in credit. If Bank of Scotland’s current accounts are not for you, you can also compare other current accounts here.
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