Also known as: Bank of Scotland
Bank of Scotland plc is a Scottish bank incorporated in 2007 following the HBOS/Lloyds Banking Group restructuring, and is the legal entity for the Bank of Scotland retail brand within Lloyds Banking Group. Founded in 1695, Bank of Scotland is one of Scotland's oldest financial institutions. It offers a full range of retail and business banking products primarily to Scottish customers, operating as a separate brand from Halifax despite sharing the same legal entity.
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Current accounts, savings, mortgages, credit cards, personal loans, business banking (Bank of Scotland brand)
Trading names and group notes
Bank of Scotland plc (SC327000) is the shared legal entity for both the Bank of Scotland and Halifax retail brands within Lloyds Banking Group. FCA FRN 169628 covers both brands. Bank of Scotland Business Banking operates from the same entity. The Mound, Edinburgh is the registered office and historic headquarters.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
Not verified separately (shares legal entity with Halifax)
Not verified separately reviews
Other review and social proof
Bank of Scotland shares FCA FRN 169628 and legal entity with Halifax; Trustpilot reviews exist at trustpilot.com but volume is small for BOS brand specifically; Bank of Scotland Business Banking has separate contact: business.bankofscotland.co.uk; Mobile banking app available for Bank of Scotland customers
Overall public sentiment
Bank of Scotland as a brand has limited standalone review data given it shares its legal entity with Halifax. The brand primarily serves Scottish retail and business customers. Customer sentiment mirrors broader Lloyds Banking Group trends with concerns about branch network reductions and digital service quality.
Source URLs
Date checked
2026-06-05
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