{"id":574418,"date":"2026-03-25T09:04:45","date_gmt":"2026-03-25T09:04:45","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=574418"},"modified":"2026-03-25T09:04:45","modified_gmt":"2026-03-25T09:04:45","slug":"bank-of-scotland-vantage-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/bank-of-scotland-vantage-review","title":{"rendered":"Bank of Scotland Vantage: Is it worth it?"},"content":{"rendered":"

Vantage is a free add-on for Bank of Scotland current accounts. Here\u2019s how it works.<\/p>

Our verdict: Is Bank of Scotland Vantage worth it?<\/h3>

If you love the idea of earning interest on your current account balance, Bank of Scotland\u2019s free Vantage add-on is worth a look.<\/p>

The interest rates paid are reasonably competitive, especially for higher account balances, and it\u2019s certainly better than leaving your funds sitting in your account earning nothing. However, when it comes to the savings accounts on offer with Vantage, better rates can be found elsewhere. <\/p>

Overall, you have nothing to lose by adding Vantage to your account if you\u2019re an existing account holder or you\u2019re already planning to switch to Bank of Scotland. But if you have yet to make the move, it\u2019s worth comparing what else is out there first as it\u2019s unlikely to be worth moving banks for this offer alone. <\/p>

Pros and cons of Bank of Scotland Vantage<\/h3>
\n
\n

Pros<\/h4>\n
    \n
  • Free to add on<\/li>\n
  • Applies to both new and existing customers<\/li>\n
  • Enables you to earn interest on your account balance, plus gives you access to preferential rates elsewhere<\/li>\n
  • FSCS protected<\/li>\n
  • Range of eligible current accounts to choose from<\/li>\n <\/ul>\n <\/div>\n \n
    \n

    Cons<\/h4>\n
      \n
    • You may find more competitive savings rates elsewhere<\/li>\n
    • Must meet eligibility criteria to earn interest on account balance<\/li>\n
    • Not worth switching for the Vantage add-on alone<\/li>\n
    • Bank of Scotland only has branches in Scotland<\/li>\n <\/ul>\n <\/div>\n <\/div>\n

      What is Bank of Scotland Vantage?<\/h3>

      If you open a current account with Bank of Scotland, you\u2019ll have the option of including the Vantage add-on. This is a free upgrade that allows you to earn interest on your account balance, but to be eligible you must:<\/p>

      • Pay at least \u00a31,000 into your account each month<\/li>
      • Stay in credit during the monthly billing period<\/li>
      • Pay at least 2 different direct debits from your account each month.<\/li><\/ul>

        If you already hold an account with Bank of Scotland, you can select Vantage in online banking. <\/p>

        Compare Bank of Scotland current accounts that are eligible with Vantage<\/h3>
        \n
        \n <\/div>\n
        \n
        \n