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The Core Banking Agreement (The Agreement) is the collective name for the documents that form your contractual agreement with us for the products and services covered by The Agreement. It includes your terms and conditions and supporting documents, such as application forms and mandates.
To make your Terms and Conditions easier to use and understand we have rewritten them, reducing duplication and simplifying language wherever possible. To help us achieve this we have restructured them into three separate documents:
These documents apply to all products and services under the Core Banking Agreement
This document is specific to a product or service.
Please see the following for more details:
This contains the general legal and regulatory terms and conditions, for all products and services provided under The Agreement , covering for example:
This contains the general information you will need to know, for all products and services provided under The Agreement, such as:
There are separate product and services terms and conditions for each product and service provided under the Core Banking Agreement.
These Terms and Conditions take precedence over the Relationship Terms & Conditions and General Information on Payments, Charges & Contacts. They cover:
Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.
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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.
© Bank of Scotland plc 2015. All rights reserved
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