Also known as: Bank of Scotland
Bank of Scotland plc is one of Scotland's oldest banking institutions, with roots dating back to 1695. Today it is part of Lloyds Banking Group and operates as a banking brand primarily in Scotland, alongside its sister brands Lloyds Bank and Halifax across the rest of the UK.
Bank of Scotland offers personal current accounts, savings accounts, mortgages, personal loans, and credit cards. Business banking is also available. The bank has a presence on Scottish high streets and offers online and mobile banking services.
Bank of Scotland is also the legal entity behind Halifax, which means both brands operate under the same banking licence. This has important implications for deposit protection: if you hold accounts with both Bank of Scotland and Halifax, the Financial Services Compensation Scheme limit of £85,000 applies to your combined balance across both brands, not to each separately.
If you have a Bank of Scotland account and need to get in touch, contact details and branch information are available on their website at bankofscotland.co.uk. Their registered address is The Mound, Edinburgh, EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by both the PRA and the Financial Conduct Authority.
Because Lloyds Bank, Halifax, and Bank of Scotland are all part of Lloyds Banking Group, the £85,000 FSCS protection limit is shared across all three brands if you hold accounts with more than one of them. It is worth being aware of this if you have significant savings split across these brands.
Free debt advice if needed is available from StepChange on 0800 138 1111 or Citizens Advice.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Bank of Scotland plc’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
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 sources
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.
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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