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Bank of Scotland savings rates
12 accounts listed. The highest rate is 5.00% AER on the Monthly Saver (regular saver).
FSCS protection: up to £120,000 per person across everything you hold with Bank of Scotland plc, which also trades as Halifax. Money in those counts towards the same limit.
Easy access
| Account | AER | Access | Min to open |
|---|---|---|---|
| Advantage Saver | 3.00% | Easy access | £1 |
| Advantage ISA SaverISA | 3.00% | Easy access | £1 |
| Access Saver | 0.75% | Easy access | £1 |
| Access Cash ISAISA | 0.75% | Easy access | £1 |
Fixed term
| Account | AER | Access | Min to open |
|---|---|---|---|
| Fixed Rate Bond (2 Year)Beats inflation | 4.10% | Fixed for 2 years | £500 |
| Fixed Cash ISA (2 Year)ISABeats inflation | 4.10% | Fixed for 2 years | £500 |
| Fixed Rate Bond (1 Year)Beats inflation | 4.00% | Fixed for 1 year | £500 |
| Fixed Cash ISA (1 Year)ISABeats inflation | 4.00% | Fixed for 1 year | £500 |
Regular saver
| Account | AER | Access | Min to open |
|---|---|---|---|
| Monthly SaverBeats inflation | 5.00% | Regular saver | £25 / £250 a month |
Junior ISA
| Account | AER | Access | Min to open |
|---|---|---|---|
| Junior Cash ISAISA | 2.35% | Locked until 18 | £1 |
Children's saver
| Account | AER | Access | Min to open |
|---|---|---|---|
| Children's Saver | 2.25% | Easy access | £1 |
| Smart Start | 2.25% | Easy access | £1 |
Compare Bank of Scotland with every other bank
Who holds the money
- Deposit-taker
- Bank of Scotland, a trading name of Bank of Scotland plc
- Incorporated in
- United Kingdom
- Principal place of business
- Scotland (registered office The Mound, Edinburgh)
- Regulated
- Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 169628)
- Protection and disputes
- Financial Services Compensation Scheme and Financial Ombudsman Service
- Capital
- Paid-up capital and reserves of £16,333m at 31 December 2025, for its group (latest published accounts).
- Website
- bankofscotland.co.uk. Every "Go to bank" link we show for Bank of Scotland leads only to this domain.
This page lists every Bank of Scotland account Juno has checked on the bank's own website, highest rate first. Rates can change at any time: check with the bank before you apply. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank and how we're paid.