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Finding the right account for your business

We’ve been helping Scottish businesses since we were founded over 300 years ago. Today, we combine leading technology with reliable and flexible banking for businesses of all types.

Whatever your ambitions, we’re here to help you thrive.

Select what describes you best

Small businesses and start-ups

Small businesses and start-ups

  • Your estimated turnover for the next 12 months is under £3 million.
  • You may need lending up to £250,000.
Accounts for small businesses

Larger businesses

Larger businesses

  • Your estimated turnover for the next 12 months is over £3 million.
  • You may need lending over £250,000 and access to a broader range of products.
Accounts for larger businesses

Schools and community groups

Schools and community groups

For schools, credit unions, clubs, societies or charities

School and community accounts

Professional practices

Professional practices

For solicitors, accountants, insurance brokers, and estate and managing agents who need to hold client money

Client accounts

Accounting software

Accounting software

Business Finance Assistant is free for Bank of Scotland business account holders

You must be registered for Online for Business or Commercial Banking Online. UK based businesses only.

Register for free Business Finance Assistant


See how we compare in the market

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

Grow your digital skills online

Person sat in front of laptopTake part in our free lessons and workshops to help your business thrive in a digital world.

Independent service quality survey results

Business current accounts


Published February 2024

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,200 customers of each of the 15 largest business current account providers if they would recommend their provider to other small and medium-sized enterprises (SMEs*). 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.

*SMEs include businesses, clubs, charities and societies with an annual turnover/income of up to £25m (exclusive of VAT and other turnover-related taxes).


Business current accounts Overall service quality survey results. Ranking 1st place monzo 84%, 2nd place Starling Bank 83%, equal 3rd place Tide 74%, equal 3rd place Handelsbanken 74%, 5th place Metro Bank 65%, 9th place Bank of Scotland 54%

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.