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Earn up to 3% AER variable interest on your Classic Account with Vantage

Just pay into your account at least £1,000 each calendar month and keep your account in credit (that is above £0) during the monthly billing period. It doesn’t cost you anything to add Vantage.

Plus, get all the usual current account features you’d expect:

  • No charges for everyday transactions - just stay in credit.
  • Up to £25 interest and fee free Planned Overdraft1.
  • 24/7 Mobile, Internet and Telephone Banking.

Apply now for a Classic Account

Find out more about the Classic Account and Vantage

Exclusive online upgrade options
for your Classic Account

Need cover like travel insurance or car breakdown cover?
Our Added Value Accounts give you a range of additional
benefits2, plus your standard account features for a
monthly fee.


Upgrade options

Added Value Current Accounts Visa debit card

Find out how we can help with your
day-to-day banking

Earn up to 15%* cashback on your everyday shop with Everyday Offers. Find out more.



Glossary of Common Terms

Glossary Description


Annual Equivalent Rate - this illustrates what the interest rate would be if interest was paid and compounded once each year. This allows individuals to compare more easily what return they can expect over time.


The contractual rate of interest payable before the deduction of income tax at the rate specified by law (currently 20%).

 1Overdrafts are repayable in full on demand and subject to application and approval.

2We use a range of third party insurance providers for the benefits on these accounts (exclusions apply). Benefits are subject to application and approval.

Account opening is subject to our assessment of your circumstances and to you meeting all eligibility conditions. You must be 18 or older and a UK resident to apply.

Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.

We subscribe to The Lending Code.