Current Account

An everyday bank account with all the standard features you'd expect.

At a glance

If you’re looking for a really straightforward current account that’s ideal for day-to-day banking, the Bank of Scotland Current Account is simplicity itself. It brings you all the essential features you’ll need.

  • Access to any of our branches, as well as our 24-hour telephone and online banking services. It’s easy to do things like check your balance or get a statement, wherever and whenever you want
  • A Visa debit card. The handy way to pay for things, and to take out money at cash machines
  • Overdrafts made easy. We’ve made overdrafts simple too, by charging straightforward daily fees that are easy to understand. See our Overdrafts section for more details
  • Plus all the standard features you'd expect from a current account

This account could suit you even better…
With our Ultimate Reward Current Account, you won’t just get a £5 reward payment each calendar month you pay in £1,000. You’ll also enjoy a great range of benefits, including worldwide multi-trip travel insurance, the first £300 of any overdraft is fee-free and RAC breakdown cover. All for just £12.50 a month. Overdrafts are subject to status. Find out more about the Ultimate Reward Current Account.

 

Thinking about switching? It’s easy.


If you’re tired of your existing current account and want a no-nonsense one that is simple and straightforward, then switch to the Bank of Scotland Current Account – it really couldn’t be easier.

 

Just:

 

1. Apply online now for our Current Account
2. Download, complete and send in the switching forms, which you’ll find towards the end of the application
3. Leave the rest to us – our Switching Team will be in touch to confirm your details.

Overdrafts made easy

We’ve made overdrafts simple too, by charging straightforward daily fees that are easy to understand.

If you… then we’ll charge you …
use an arranged overdraft up to and including £2,500 £1 a day
use an arranged overdraft of over £2,500  £2 a day
use an unarranged overdraft  £5 a day

 

As we charge fees on this account instead of interest, the typical rate is 0% EAR.

Apply now

Online.
Are you a new customer?    

Are you an existing online banking customer?   Sign in button

By phone.

Call us on 08457 21 31 41
between 8am and 8pm Monday to Friday, 8am to 6pm on Saturdays and 9am to 5pm on Sundays.

In person.

Call into any Halifax Branch and apply there and then.

An important note…
Bank of Scotland current accounts and services are offered subject to status overdrafts are repayable on demand. EAR is the equivalent annual rate. This is the actual annual cost of an overdraft. This does not take into account any fees or charges.