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Compare all our savings accounts

At Bank of Scotland we've got a savings account for everyone. Just compare our range of accounts below to help find an account that best suits your needs and then apply online within minutes. It's that simple.

Most
popular (5)
Nest egg
savings (4)
Regular
savings (1)
Easy/Instant
access (8)
Tax free
savings (4)
Children's
savings (2)
All (18)

A list of our most popular savings accounts opened online*

Account name	Interest rate** (AER)	Minimum opening balance	Fixed/Variable	Withdrawals
Web Saver Extra Easy/Instant access	2.60%	£1	Variable	Unlimited withdrawals (with loss of interest)
ISA Direct Reward	2.60% Tax free	£1,000	Variable	4 within the 12 month reward period
Guaranteed Saver Reward Easy/Instant access	1.50%	£1	Variable	Unlimited
Variable rate Web Saver Easy/Instant access	0.20%	£1	Variable	Unlimited
Children's Regular Saver Children's	6.00%	£10 - £100 each month	Fixed	By closure only

Earn a higher rate of interest for setting aside your savings for a longer period of time

Account name	Interest rate** (AER)	Minimum opening balance	Fixed/Variable	Withdrawals
Fixed rate Web Saver	3.55% 2 year term	£500	Fixed	None
Bank of Scotland 1 year term Deposit Account	2.00% (1 year term, £500+)	£500	Fixed	None
Bank of Scotland 2 year term Deposit Account	3.35% (2 year term, £500+)	£500	Fixed	None
Guaranteed Reserve	3.30% (2 year term)	£500	Fixed	None

Get into the habit of saving a little each month with our regular saving accounts.

Account name	Interest rate** (AER)	Minimum opening balance	Fixed/Variable	Withdrawals	Manage your money Branch Phone Online			Apply online
Regular Saver	2.00%	£25 - £500 each month	Fixed	By closure only

Ideal if you need to access your savings regularly without losing any interest

Account name	Interest rate** (AER)	Minimum opening balance	Fixed/Variable	Withdrawals
ISA Direct Reward	2.60% Tax free	£1,000	Variable	4 within the 12 month reward period
Instant Access Savings Account Reward	1.80%	£1,000	Variable	4 within the 12 month reward period
Instant Access Savings Account	0.50%	£1	Variable	Unlimited
Variable rate Web Saver	0.20%	£1	Variable	Unlimited
Variable rate Web Saver (with a cash card)	0.25%	£10	Variable	Unlimited
Web Saver Extra	2.60%	£1	Variable	Unlimited withdrawals (with loss of interest)
Guaranteed Saver	0.50%	£2,500	Variable	4 within the 12 month reward period
Guaranteed Saver Reward	1.50%	£1	Variable	Unlimited

Our range of ISAs lets you save up to £5,100 each tax year without paying tax on the interest you earn.

Account name	Interest rate** (AER)	Minimum opening balance	Fixed/Variable	Withdrawals
Fixed rate ISA Saver	3.85% Tax free	£500	Fixed	By closure only
ISA Direct Reward	2.60% Tax free	£1,000	Variable	4 within the 12 month reward period
ISA Saver Direct	0.50% Tax free	£1	Variable	Unlimited
Variable rate ISA Saver	0.20% Tax free	£1	Variable	Unlimited

Encourage the little ones to save with a children's savings account

Account name	Interest rate** (AER)	Minimum opening balance	Fixed/Variable	Withdrawals	Manage your money Branch Phone Online			Apply online
Children's Regular Saver	6.00%	£10 - £100 each month	Fixed	By closure only
Save-4it	1.05%	£1	Variable	Unlimited

A list of all our savings accounts, so you can easily find an account that suits your needs

Account name	Interest rate** (AER)	Minimum opening balance	Fixed/Variable	Withdrawals
ISA Direct Reward	2.60% Tax free	£1,000	Variable	4 within the 12 month reward period
Web Saver Extra Easy/Instant access	2.60%	£1	Variable	Unlimited withdrawals (with loss of interest)
Instant Access Savings Account Easy/Instant Access	0.50%	£1	Variable	Unlimited
Instant Access Savings Account Reward	1.80%	£1,000	Variable	4 within the 12 month reward period
Fixed rate Web Saver Nest egg	3.55% 2 year term	£500	Fixed	None
Variable rate Web Saver Easy/Instant access	0.20%	£1	Variable	Unlimited
Variable rate Web Saver (with a cash card) Easy/Instant access	0.25%	£10	Variable	Unlimited
Bank of Scotland 1 year term Deposit Account Nest egg	2.00% (1 year term, £500+)	£500	Fixed	None
Bank of Scotland 2 year term Deposit Account Nest egg	3.35% (2 year term, £500+)	£500	Fixed	None
Guaranteed Saver Easy/Instant access	0.50%	£2,500	Variable	4 within the 12 month reward period
Regular Saver Regular	2.00%	£25 - £500 each month	Fixed	By closure only
Fixed rate ISA Saver Tax free	3.85% Tax free	£500	Fixed	By closure only
Variable rate ISA Saver Tax free	0.20% Tax free	£1	Variable	Unlimited
ISA Saver Direct Tax free	0.50% Tax free	£1	Variable	Unlimited
Children's Regular Saver Children's	6.00%	£10 - £100 each month	Fixed	By closure only
Save-4it Children's	1.05%	£1	Variable	Unlimited
Guaranteed Reserve Nest egg	3.30% (2 year term)	£500	Fixed	None
Guaranteed Saver Reward Easy/Instant access	1.50%	£1	Variable	Unlimited

*Most popular accounts based on number of new accounts opened in June 2010.

**This figure represents the highest interest rate available with that product. This rate will depend on the amount you pay in and how long you invest for.

Please note: Rates of interest are subject to change, to check effective dates for all our Savings products please see our Interest Rates section