Bank of Scotland Ultimate Reward Current Account

Wouldn't it be great if your current account did more than just look after your money? With the Ultimate Reward Current Account you get all the features you'd expect, plus plenty of other great benefits for just £12.50 a month.

You can enjoy so much more with the Ultimate Reward Current Account – plus we'll give you a £5 reward payment each calendar month you pay in £1,000. Just a few of the benefits could more than pay for the account.

Here’s a quick look at what you receive:

• £5 reward payment each calendar month you pay in £1,000
• A great range of account benefits, including worldwide, multi-trip family travel insurance, RAC car breakdown cover and mobile phone insurance as well as other great benefits and exclusive offers
• The first £300 of any arranged overdraft is fee-free. Above that amount we'll simply charge you a daily overdraft fee every day you use your overdraft. You need to be aware you may not get a £300 fee-free overdraft. Whether you can have an overdraft and the amount will depend upon your personal circumstances at the time you apply for one. Any overdraft we agree is subject to status and all overdrafts are repayable on demand.
• A Bank of Scotland Visa debit card. Your best way to pay – everyday, everywhere, for everything.
• All the standard features you'd expect from a bank account.

For details of the product underwriters see the Important Information page

Wouldn't it be great if your current account did more than just look after your money? With the Ultimate Reward Current Account you get all the features you'd expect, plus plenty of other great benefits for just £12.50 a month.

You can enjoy so much more with the Ultimate Reward Current Account – plus we'll give you a £5 reward payment each calendar month you pay in £1,000. Just a few of the benefits could more than pay for the account.

Peace of mind comes already included

How much would you pay to protect yourself and your family? You’d normally have to pay separately for insurance cover, but with the Ultimate Reward Current Account, it all comes in one convenient package. Your account includes all this:

• Worldwide multi-trip travel insurance for two adults and all your children – including winter sports cover and golf trips
• RAC car breakdown cover – roadside assistance when you need it most. You’re covered if you’re a driver or a passenger in any car away from your home
• Mobile phone insurance at home and abroad if your mobile phone is lost, stolen or damaged. You’re covered anywhere in the world
• Home Emergency cover – from burst pipes to broken windows, get the help and repairs you need
• Travel accident cover – protection if you have an accident while travelling on public transport in the UK or abroad
• Identity theft assistance – with identity fraud a growing problem in the UK, we'll provide help and support on our free advice line open 24 hours a day, 365 days a year
• Purchase protection covering the items you buy with your Ultimate Reward Visa debit card if they’re lost, stolen or accidentally damaged
• Price promise – if you buy an item with your Ultimate Reward Visa debit card and then see it cheaper elsewhere, you can claim back the difference from us

Plus…..

The first £300 of any arranged overdraft is completely fee-free. For overdrafts over £300, we’ll simply charge a daily fee for every day that you use your overdraft. This should help make keeping track of your finances even easier.  Find out more on the overdrafts page.

Your Ultimate Reward Current Account also comes with a range of exclusive product offers including;

• Ultimate Reward Discount Card providing a range of offers on holiday and entry to over 100 UK attractions
• 15% discount on Halifax car insurance
• 15% discount on Halifax home and contents insurance
• £150 bonus payment when you take out a First Time Buyer or Home Mover Mortgage. Your home may be repossessed if you do not keep up repayments on your mortgage.
• 1% more interest than the standard rate on the Halifax Instant Saver account
• An Ultimate Reward discount card - providing a range of offers including up to 55% off holidays with Co-operative Travel and 20% discount off car rental with Avis. Visit Ultimate Reward Discounts for more details.
  

As well as peace-of-mind insurance cover and exclusive offers and great rewards with the Ultimate Reward Current Account, you get all the standard features you'd expect from a current account.

• A Halifax Visa debit card. Your best way to pay – everyday, everywhere, for everything.
• Use of cash machines, for money in an instant. Withdraw up to £300, get mini statements, check your balance and top up your mobile.
• Access to any of our branches, as well as our 24-hour telephone and online banking service.
• A secure place to pay in your salary and other regular credits. Plus, the facility to set up direct debits so that you can manage your payments with ease.

For details of the product underwriters see the Important Information page

With the Ultimate Reward Current Account, the first £300 of any overdraft you arrange is completely fee-free. Above that amount, we'll simply charge a daily overdraft fee each day you use your overdraft.

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

As well as peace-of-mind insurance cover, exclusive offers and great rates with the Ultimate Reward Current Account, you get all the standard features you'd expect from a current account.

• A Bank of Scotland Visa debit card. Your best way to pay – everyday, everywhere, for everything
• Use of cash machines, for money in an instant. Withdraw up to £300, get mini statements, check your balance and top up your mobile.
• Access to any of our branches, as well as our 24-hour telephone and online banking service.
• A secure place to pay in your salary and other regular credits. Plus, the facility to set up direct debits so that you can manage your payments with ease.

Opening an Ultimate Reward Current Account or simply switching from your current bank account is really easy.

Then you can relax, knowing that your new bank account will be protecting your home and your family while giving you an extra helping hand with your money – freeing you up to live the life you want.

Certain exclusions will apply to the insurance cover. For more details, take a look at our Getting Started Guide.

Online.
Are you a new customer? 
Are you an existing online banking customer?

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 Bank of Scotland branch and apply there and then