Current Accounts Product Details

Bank of Scotland

Classic - with Vantage

Representative Example: Based on an overdraft limit of £500. Up to £25.00 charged at 0.00% EAR Variable. Over £25.00 charged at 19.89% EAR Variable. Up to £25.00 Overdraft fee of £0.00 Per Month. Over £25.00 Overdraft fee of £6.00 Per Month.

General Account Details

Regular Funding/Income: Min £1000.00 Per Month (Minimum two direct debit mandates on account per month)
Min 18 Years
None
None
None

Account Management

  • Yes
  • Yes
  • Yes
  • Yes
  • Yes
  • Yes

Facilities

  • Yes
  • Yes
  • Yes
  • Yes
  • Visa
  • £500
  • Yes

Benefits

- Other benefits, as well as those shown, might be available on this account. A full list of benefits will be included in the terms and conditions of the account.
Everyday Offers - Earn up to 15% cashback from selected retailers when shopping with a Bank of Scotland credit or debit card. Customers must be registered for Online Banking and hold a Bank of Scotland current account to be eligible.
Everyday Offers - Earn a one-off cashback amount when take out a Direct Debit subscription with participating retailers. Customers must be registered for Online Banking and hold a Bank of Scotland current account to be eligible.
Free entry into “It’s on Us”, for the chance to have any transaction up to £500 refunded, drawn per month.
Discount on Halifax mortgage with a rebate of £150 offered when account funded with £1K per month.
Commission free non-Sterling Travellers Cheques and Currency.
Free. No charge for buying foreign currency from another provider in the UK.

Credit Interest Rates

BalanceGross Rate %AER %
£1.00 - £5000.001.98% 2.00%
£5000.01 +0.00% 0.00%

Arranged Overdraft

Yes
Minimum BalanceRate %EAR %
£0.010.00% - Per Month0.00%
£25.011.524% - Per Month19.89%
£0.01 to £25.00:- £0.00 Per Month. £25.01 and over:- £6.00 Per Month
£0.01 and over:- £0.00 Per Request
£0.01 and over:- £0.00 Per Request
15:30 same day
N/A
N/A

Unarranged Overdraft

Yes
Minimum BalanceRate %EAR %
£0.011.524% - Per Month19.89%
£6.00 Per Month. £0.01 to £24.99:- £5.00 Per Day, £25.00 and over:- £10.00 Per Day
£0.01 and over: £0.00
15:30 same day
N/A
£10.00
£95.00

Foreign Usage Charge (Europe / Worldwide)

  • 2.99% Charges levied at time of transaction / 2.99% Charges levied at time of transaction
  • £0.50 / £0.50
  • 2.99% Charges levied at time of transaction / 2.99% Charges levied at time of transaction
  • £1.50 Charges levied at time of transaction / £1.50 Charges levied at time of transaction
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