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Understanding Your Business
We commit to investing our relationship managers’ time in understanding your business. Our relationship managers will agree a frequency of contact that’s right for you, including an offer to spend at least one full day a year with you and your team, at your business, listening and learning.
The Right Approach For You
Our relationship teams take the time to understand what’s right for your business, rather than what makes most money for us.
Access to Senior Management
We will provide you with local access to two named members of our senior management team in addition to your main relationship contact. This ensures you have continuity of relationship and a clear escalation route for any concerns.
Local Credit Decisions
To ensure you receive quick and well informed credit decisions, we operate local credit teams that have the final say on more than 95% of lending proposals. We’ll also agree how long the process will take at the outset and publish details of how often we’ve met the agreed timescales.
Alternatives Not Rejection
When assessing credit proposals we aim to deliver what you want, but if that’s not possible we will always try to provide alternative solutions. This approach currently results in more than 95% of final proposals being accepted.
We will advise you of the outcome of any review of your committed facilities no later than one month prior to the renewal date.
Bank of Scotland will always offer to discuss additional lending conditions with you face-to-face rather than simply imposing them.
When you are ready to switch to Bank of Scotland, we’ll agree with you at the outset how long the process will take and appoint a dedicated team with a named leader to handle the transfer.
If you switch business to Bank of Scotland, we will guarantee our transaction fees for the term of the deal assuming transaction volumes remain within 10% of annual forecast. We do not price keenly to win business and then inflate prices once you are on-board.
We know change can cause uncertainty, so whenever possible, any new relationship manager joining your team will shadow their predecessor for at least one month before taking charge. That way you will receive complete continuity of service.
Click here to download our mid market client charter.
Existing customers0345 300 0268
New customers0345 606 0286
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Bank of Scotland plc Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000.
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; copies of the Code can be obtained from www.lendingstandardsboard.org.uk
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.
The Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. More information on the Lloyds Banking Group can be found at lloydsbankinggroup.com.
This site is intended for UK residents unless otherwise stated.
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0345 606 0286
If you have a business account with us, and would like to talk to a member of our business management team, please call
0345 300 0268
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