Important Information

Company details and regulation

Bank of Scotland plc, The Mound Edinburgh EH1 1YZ. Registered in Scotland, Registered number SC327000. Any reference within the pages of this site to "Bank of Scotland" shall be taken to mean Bank of Scotland plc and, any reference to "we", "our" or "us" shall be taken to mean Bank of Scotland plc: Registered Office, The Mound, Edinburgh EH1 1YZ, unless otherwise indicated.

Bank of Scotland is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628. Our permitted business is lending, administering and arranging mortgages and to sell and administer general insurance contracts.

Vat number: 244 1555 76

Bank of Scotland Asset Finance and Capital Bank are trading styles of Bank of Scotland plc.

Bank of Scotland Vehicle Management is a trading style of Capital Bank Vehicle Management Limited, a Bank of Scotland plc Company.

Hill Hire plc is a Bank of Scotland Group company.


The products and services described in this site are available only to UK residents (excluding the Channel Islands and the Isle of Man). The information in this site is not directed at anyone other than UK residents and applications from others will not be accepted. The information contained in this site may not satisfy the laws of any other country.


While Bank of Scotland has taken all reasonable care to ensure that the information contained within the pages of this site is accurate, current, and complies with relevant UK legislation and regulations as at the date of issue, errors or omissions may occur due to circumstances outside our control. We reserve the right to change the content, presentation, performance, facilities and availability of all or part of the pages of this site at our sole discretion and without prior notice.

We make no warranty or representation that the pages of this site can be accessed at all times during the UK hours of business stated on this site. This site may be temporarily unavailable or restricted for administrative or other reasons. We will not be liable for any loss or damage arising out of or in connection with the loss of the use of this site.

We accept no responsibility for information contained in any other sites which can be accessed by hypertext link from these pages or for these other sites not being available at all times. The links to any other sites are provided for general information purposes only and the sites concerned and their contents are not endorsed or promoted by us in any way, unless otherwise stated. Please note that when you click on any external site hypertext link, you will leave our site and access the external site at your own risk.

The Bank of Scotland will not be responsible for any loss or damage (including consequential or indirect loss) that you have incurred as a result of your use of or reliance on any information displayed on this site.

Finance is provided for business only and subject to satisfactory credit assessment by Bank of Scotland or a company within the same group as Bank of Scotland.

By accessing these pages, you shall be deemed to have accepted, and agreed to be bound by, the terms of these terms and conditions, which will be governed by and construed in accordance with the law of Scotland, unless otherwise stated.

Important Information about compensation arrangements

Your eligible deposits with Bank of Scotland plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: Halifax, Intelligent Finance (IF), Birmingham Midshires (BM Savings), Bank of Scotland, Bank of Scotland Private Banking and Bank of Wales.

Any total deposits you hold above the limit between these brands are unlikely to be covered.

Please view how FSCS protects your money (PDF, 868KB) for further information or visit

You can also refer to our FSCS Information Sheet (PDF, 50KB) for more details.

If you are unsure whether your account is held with Bank of Scotland plc please check your account literature.


Where any of the following terms are used anywhere on this site, they will have the definitions as set out below (unless otherwise stated):

"Gross" means the rate of interest paid without deduction of tax to eligible non-taxpayers.

"Annual Equivalent Rate" or "AER" means the annual rate of interest effectively received by a customer if interest at the gross rate applied during the year remained in the account and itself earned interest.

"VAT" means Value Added Tax. Please note that all references to all forms of taxation (including VAT) and taxation treatment refer to the taxation regime of the UK. If you have any questions regarding taxation you should seek independent advice.

Using the Internet

Please note that there is no guarantee that any e-mail sent will be received, or that the contents of any such e-mail will remain confidential during transmission over the Internet. If you have any such concerns, you may prefer to use the telephone or postal system instead.

Please note that any software on this web site is downloaded at your own risk. We do not warrant the suitability of any such software for your computer and we will accept no liability for any problems with your computer that may arise as a result. If you are in any doubt as to the suitability of software to be downloaded for your computer, we recommend that you obtain independent specialist advice before downloading.

Data Protection

If you choose to complete one of our on-line forms, the personal information you provide will be used solely by the Bank of Scotland Group in the UK to enable us to answer your queries. You should note that we do not supply any information about you to anyone unless we believe it is lawful to do so.

You have a right to request a copy of the personal data we hold about you. If you require a copy please write to the Data Protection Officer, Bank of Scotland Corporate, Charterhall House, City Road, Chester CH88 3AN. If you believe that the information we hold about you is inaccurate you may write to us and ask us to correct it.

For further details on how we will use your information, please view our Data Protection Policy.


This website contains registered trademarks of Bank of Scotland plc and its subsidiaries. Certain names, words, titles, phrases, logos, icons, graphics or designs to the pages of Bank of Scotland's Internet web site may constitute trade names or unregistered trademarks of Bank of Scotland.

The display of any trade names or trademarks on pages of Bank of Scotland's Internet web site does not imply that any licence has been granted to any third party in respect of the same. All other product or company names and devices, logos, icons, graphics or designs referred to on the pages of Bank of Scotland's Internet web site are the trademarks of their respective owners and are exhibited only in such a manner as is intended to be for the benefit of such trademark owners and Bank of Scotland intends no infringement of such trademarks.

The appearance or absence of products, services, companies, organisations, home pages or other web sites on Bank of Scotland's Internet web site does not imply any endorsement or non-endorsement thereof by Bank of Scotland. All rights not expressly granted herein are reserved by Bank of Scotland.

Reproduction of these pages in whole or in part without the prior written consent of Bank of Scotland is strictly prohibited unless for private, non-commercial viewing purposes.