Whether you’re seeking to switch your banking relationship or want the flexibility a secondary account offers you, we’re committed to your future success.

Start-up and small business account

  • For businesses with an annual turnover under £3m
  • 12 months’ free day-to-day business banking1
  • Ideal for new and small businesses with simple banking needs
  • Dedicated support from our UK-based business team
Start up and small business account

Business current account

  • For businesses with an annual turnover above £3m or complex financing needs
  • Dedicated Relationship Manager to support your business
  • Ideal for businesses that require access to a broader suite of products
  • Choice of charging models to suit your business needs
  • Suitable for new Bank of Scotland business customers as well as those with an existing relationship
Business current account

Switch to us

Switch to us for a simple business account and access to our bespoke products and services designed to help your business succeed.

Switch to us

Community accounts

Schools, credit unions and clubs, societies and charities can all benefit from our breadth and depth of experience in their specialism.

Community accounts

Client accounts

For professional practices that hold client money. Accounts for solicitors, accountants, insurance brokers, estate and managing agents.

Client accounts

Financial Services Compensation Scheme

Eligible deposits with Bank of Scotland plc are protected up to a total of £85,000. Due to FSCS eligibility criteria not all business customers will be covered.

See how we compare in the market

Review alternative sources of business finance and compare products and services.

Valuable business insights

Explore our regularly updated library of expert insights that could help fuel your business decision-making.

Insights and ideas


Explore our existing customers hub that answers most of your questions about your business account.

Existing customers

Independent service quality survey results

Business current accounts


Published February 2021

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,200 customers of each of the 14 largest business current account providers if they would recommend their provider to other small and medium-sized enterprises (SMEs2). The results represent the view of customers who took part in the survey.

Overall service quality

We asked customers how likely they would be to recommend their business current account provider to other SMEs.


View the full set of results

The requirement to publish the Financial Conduct Authority Service Quality Information for Business current accounts can be found here.

Making sure you get a fair deal

We want to find a product that’s right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what’s expected of us, the lender, and you, the borrower.

Download the statement of responsibilities (PDF, 274KB)

1Free day-to-day business banking includes cheques, standing orders, cash, UK Sterling Direct Debits, deposits and withdrawals. All we ask is that you operate your account in credit or within agreed limits and don't go overdrawn without agreeing it with us first. Free electronic payments include UK Sterling Direct Debits, Standing Orders, Debit Card Transactions, Bank of Scotland/Other Bank ATM Withdrawals, Internet/Phonebank Debits/Credits, Faster Payment Debits/Credits, Internet Bulk Payments and Automated Credits.

2SMEs include businesses, clubs, charities and societies with an annual turnover of up to £25m.