Bank of Scotland

Bank of Scotland is owned by Lloyds Banking Group. Other brands in the same group include Halifax, Lloyds Bank and Birmingham Midshires.

Though they have similar names, don't get Bank of Scotland confused with Royal Bank of Scotland – they're two different organisations.

As part of Lloyds Banking Group, Bank of Scotland is able to offer a comprehensive range of banking products. It offers everything from current accounts to savings, credit cards, personal loans and more.

It also offers a number of insurance products, including home, car and life.

Bank of Scotland
Gold ribbon: first place

Bank accounts

Ranked 10th of 27 providers reviewed.

Customer happiness 54%
Customer trust 46%
Complaints performance 89%
Transparency rating 68%
Fairer Finance score
Reviewed Spring 2018
64%
Gold ribbon: first place

Credit cards

Ranked 7th of 35 providers reviewed.

Customer happiness 53%
Customer trust 43%
Complaints performance 89%
Transparency rating 72%
Fairer Finance score
Reviewed Spring 2018
64%
Gold ribbon: first place

Home insurance

Ranked 8th of 47 providers reviewed.

Customer happiness 60%
Customer trust 50%
Complaints performance 71%
Transparency rating 65%
Fairer Finance score
Reviewed Spring 2018
61%

Mortgages

Ranked 15th of 21 providers reviewed.

Customer happiness 47%
Customer trust 39%
Complaints performance 81%
Transparency rating 51%
Fairer Finance score
Reviewed Spring 2018
54%

Personal loans

Ranked 13th of 25 providers reviewed.

Customer happiness 53%
Customer trust 53%
Complaints performance 89%
Transparency rating 33%
Fairer Finance score
Reviewed Spring 2018
57%

Savings accounts

Ranked 22nd of 36 providers reviewed.

Customer happiness 43%
Customer trust 45%
Complaints performance 89%
Transparency rating 60%
Fairer Finance score
Reviewed Spring 2018
59%

Car insurance

Bank of Scotland

Car Insurance

2 stars
Courtesy car for duration of repair i
Cover for keys/locks if lost i £0
Uninsured driver promise i
24hr helpline available i
Cover for keys/locks if stolen i £500
Cover for replacing original audio/visual equipment i Unlimited
Repairs guarantee (years) i 3
Windscreen repair excess i £0
Windscreen replacement excess i £75

Home insurance

Bank of Scotland

Home Insurance Comprehensive

4 stars
Escape of water excess i £50
Matching sets i
Theft from outbuildings i £10,000
24hr helpline i
Alternative accommodation i £100,000
Cover for keys/locks if lost i Sum insured
Money in the home i £1,000
New for old i

Bank of Scotland

Home Insurance

3 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings i £0
24hr helpline i
Alternative accommodation i £30,000
Cover for keys/locks if lost i £250
Money in the home i £500
New for old i

Buildings insurance

Bank of Scotland

Home Insurance Comprehensive

5 stars
Cover for keys/locks if lost i Sum insured
Matching sets i Unlimited
Trace & access i £5,000
24hr helpline i
Alternative accommodation cover limit i £100,000
Compulsory excess i £50
Cover for keys/locks if stolen i Sum insured
Escape of water excess i £50
Property owner liability i £2,000,000

Bank of Scotland

Home Insurance

4 stars
Cover for keys/locks if lost i £250
Matching sets i £500,000
Trace & access i £5,000
24hr helpline i
Alternative accommodation cover limit i £30,000
Compulsory excess i £100
Cover for keys/locks if stolen i £250
Escape of water excess i £350
Property owner liability i £1,000,000

Contents insurance

Bank of Scotland

Home Insurance Comprehensive

4 stars
Cover for keys/locks if lost i Sum insured
Matching sets i
Theft from outbuildings i £10,000
24hr helpline i
Alternative accomodation i £30,000
Cover for keys/locks if stolen i Sum insured
Cycles included whilst in the home i £0
Money in the home i £1,000
New for old i

Bank of Scotland

Home Insurance

3 stars
Cover for keys/locks if lost i £250
Matching sets i
Theft from outbuildings i £0
24hr helpline i
Alternative accomodation i £20,000
Cover for keys/locks if stolen i £250
Cycles included whilst in the home i £0
Money in the home i £500
New for old i