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Current Account
An everyday bank account with all the standard features you'd expect.
Overview
If you want a straightforward current account that is ideal for day-to-day banking, our Current Account is it.
- Straightforward overdraft fees that are easy to understand. See our overdrafts section for more details
- Access to our online banking and 24 hour telephone service
- Plus all the standard features you would expect from a current account, like a Visa debit card
View more detail on the Current Account overdraft features or apply now.
If you want more from your current account, our Ultimate Reward Current Account could be for you.
You won’t just get a £5 reward payment each month you pay in £1,000. You will also get a great range of benefits, including worldwide multi-trip travel insurance, AA Breakdown Cover and mobile phone insurance all for just £12.50 a month. The first £300 of any overdraft is also fee-free (subject to status).
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
Opening a Current Account is simple.
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sign in to apply  |
Or you can 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. Alternatively, call into any Bank of Scotland branch and speak to one of our staff.
Would you like to switch bank account?
All you need to do is:
1. Apply online now for the Current Account
2. Complete the ‘Switching details’ section in the application
3. Leave the rest to us – our Switching Team will be in touch to confirm your details
Your account transfer should all be taken care of within 28 days provided there are no unexpected delays. Plus we will give you a fee-free overdraft for 90 days* to help you just in case.
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. If you have an arranged or unarranged overdraft, your statements will show the amount of fees we will take from your account at the end of the month.
*If you are opening an account in Northern Ireland and you switch your main current account to Bank of Scotland, because different regulations apply you will receive a fee-free overdraft for 120 days during the switching period.