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Bank of Scotland Ireland

Welcome to Bank of Scotland plc customers in Ireland and Northern Ireland


On 2 July 2018, Bank of Scotland plc (“BOS”) issued letters to its customers advising them that it had agreed to transfer its mortgage loan agreements with them (the “Mortgages”) to Pepper Finance Corporation (Ireland) DAC trading as Pepper Asset Servicing (“Pepper”).

In line with the abovementioned letters, BOS transferred the Mortgages to Pepper on 28 September 2018 (the “Transfer Date”).  Pepper holds legal title to the Mortgages on trust for Erimon Home Loans Ireland Limited (a subsidiary of Barclays Bank PLC) or its nominee (the “Beneficiary”).

All of the rights of BOS under the Mortgages have transferred to Pepper and the Beneficiary.  From the Transfer Date, Pepper is the new lender of record in relation to the Mortgages.

For further information on how the above matters may affect your account(s) please select the link below.

Retail & Intermediary Banking Customers


The above statement does not impact Commercial Banking Customers.

For information relevant to Commercial Banking Customers, please select the link below.

Commercial Customers

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Bank of Scotland plc. Registered in Scotland No. SC327000. Registered office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom and is regulated by the Central Bank of Ireland for conduct of business rules. Financial Services Register no. 169628.