Current Accounts Product Details

Bank of Scotland

Platinum - with Vantage

Representative Example: Based on an overdraft limit of £500. Up to £300.00 charged at 0.00% EAR Variable. Over £300.00 charged at 19.89% EAR Variable. Up to £300.00 overdraft: fee of £0.00 per month. Over £300.00 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
£17.00 Per Month
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.
Free worldwide cover on mobile against theft, loss, damage, breakdown and unauthorised calls on up to 2 handsets. Mobile phone up to the max individual retail cost or value of £2K inc VAT. Cost of unauthorised calls up to a max of £1.5K inc VAT, and up to £450 inc VAT for PAYG. Accessory cover up to £250 inc VAT. Excess up to £100.
Discount on Halifax mortgage with a rebate of £150 offered when account funded with £1K per month.
Eligible for preferential savings products.
Free UK AA Roadside Assistance, Home Start and Relay for account holder (theirs or other persons car). Free accident management.
Free Card Loss Assistance service, which includes 24/7 helpline to cancel and replace lost or stolen debit, credit and store cards for account holder and family.
Commission free non-Sterling Travellers Cheques and Currency.
Free. No charge for buying foreign currency from another provider in the UK.
Free. Covers account holder, partner and dependent children up to 18 years old. Max cover age 79 years old. Available on trips up to 45 days. Includes winter sports (up to 31 days pa). Includes cancellation, delay and baggage cover.

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%
£300.011.524% - Per Month19.89%
£0.01 to £300.00:- £0.00 Per Month. £300.01 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
  • £0.00 / £0.00
  • 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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