Bank of Scotland

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

Though they have similar names, don't get Bank of Scotland confused with Royal Bank of Scotland â 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
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Gold ribbon: first place

Bank accounts

Ranked 8th of 30 providers reviewed.

Customer happiness 56%
Customer trust 50%
Complaints performance 85%
Transparency rating 72%
Fairer Finance score
Reviewed Spring 2019
66%
Gold ribbon: first place

Credit cards

Ranked 7th of 34 providers reviewed.

Customer happiness 52%
Customer trust 49%
Complaints performance 85%
Transparency rating 62%
Fairer Finance score
Reviewed Spring 2019
62%
Gold ribbon: first place

Home insurance

Ranked 11th of 47 providers reviewed.

Customer happiness 55%
Customer trust 47%
Complaints performance 73%
Transparency rating 64%
Fairer Finance score
Reviewed Spring 2019
60%
Gold ribbon: first place

Mortgages

Ranked 8th of 23 providers reviewed.

Customer happiness 50%
Customer trust 46%
Complaints performance 83%
Transparency rating 61%
Fairer Finance score
Reviewed Spring 2019
60%

Personal loans

Ranked 12th of 24 providers reviewed.

Customer happiness 51%
Customer trust 52%
Complaints performance 85%
Transparency rating 46%
Fairer Finance score
Reviewed Spring 2019
59%

Savings accounts

Ranked 29th of 42 providers reviewed.

Customer happiness 44%
Customer trust 43%
Complaints performance 85%
Transparency rating 53%
Fairer Finance score
Reviewed Spring 2019
56%

Bank accounts

Basic bank accounts

Current accounts

Foreign use bank accounts

Bank of Scotland

Platinum Account

2 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

Bank of Scotland

Platinum Account with Vantage

2 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

Bank of Scotland

Basic Account

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

Bank of Scotland

Classic Account

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

Bank of Scotland

Classic Account with Vantage

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

Bank of Scotland

Graduate Account

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

Bank of Scotland

Student Account

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

Overdrafts

Packaged bank accounts

Student bank accounts

Car insurance

Bank of Scotland

Car Insurance (with guaranteed replacement car, keycare and RAC Breakdown)

3 stars
Cover for keys/locks if lost i £1,000
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i £1,000
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 3 years
Courtesy car provided if stolen / total loss i

Bank of Scotland

Car Insurance

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

Credit cards

0% balance transfers

Bank of Scotland

Low Fee 0% Balance Transfer

3 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 24 months
Representative APR i 19.90%
Risk based? i
Representative balance transfer rate i 1.53%

Bank of Scotland

0% Purchase and Balance Transfer

3 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 20 months
Representative APR i 19.90%
Risk based? i
Representative balance transfer rate i 1.53%

0% purchases

Bank of Scotland

0% Purchase and Balance Transfer

5 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 20 months
Representative APR i 19.90%
Risk based? i
Representative purchase rate i 1.53%
Number of days before interest is charged on purchases i 56 days

Bank of Scotland

Low Fee 0% Balance Transfer

4 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 12 months
Representative APR i 19.90%
Risk based? i
Representative purchase rate i 1.53%
Number of days before interest is charged on purchases i 56 days

Foreign use credit cards

Bank of Scotland

Low Fee 0% Balance Transfer

3 stars
Representative APR i 19.90%
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.53%

Bank of Scotland

0% Purchase and Balance Transfer

3 stars
Representative APR i 19.90%
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.53%

Bank of Scotland

Low Rate

3 stars
Representative APR i 9.90%
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 0.79%

Low rate

Bank of Scotland

Low Rate

4 stars
Representative APR i 9.90%
Representative cash transaction rate i 0.79%
Representative purchase rate i 0.79%
Risk based? i
Representative balance transfer rate i 0.79%
Representative money transfer rate i 0.79%

Money transfers

Bank of Scotland

Low Fee 0% Balance Transfer

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 19.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 1.53%

Bank of Scotland

0% Purchase and Balance Transfer

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 19.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 1.53%

Bank of Scotland

Low Rate

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 9.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 0.79%

Home insurance

Bank of Scotland

Home Insurance Comprehensive (with Pedal Cycle Cover)

5 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 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 (with Pedal Cycle Cover)

3 stars
Escape of water excess i £500
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

Bank of Scotland

Home Insurance

2 stars
Escape of water excess i £500
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
Trace & access i £5,000
Matching sets i Unlimited
Cover for keys/locks if lost i Sum insured
Compulsory excess i £50
Escape of water excess i £50
Alternative accommodation cover limit i £100,000
Cover for keys/locks if stolen i Sum insured
Property owner liability i £2,000,000
24hr helpline i

Bank of Scotland

Home Insurance

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

Contents insurance

Bank of Scotland

Home Insurance Comprehensive (with Pedal Cycle Cover)

5 stars
Theft from outbuildings i £10,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Cycles included whilst in the home i £500
New for old i
Alternative accomodation i £30,000
Money in the home i £1,000
Cover for keys/locks if stolen i Sum insured
24hr helpline i

Bank of Scotland

Home Insurance Comprehensive

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

Bank of Scotland

Home Insurance (with Pedal Cycle Cover)

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

Bank of Scotland

Home Insurance

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