Bank of Scotland offers business bank accounts across the UK. In this guide, you’ll discover what’s available with Bank of Scotland business accounts and how these accounts compare to the rest of the market.
To make comparing even easier we came up with the Finder Score. Fees, features and customer service across 20+ of the most popular banks are all weighted and scaled to produce a score out of 10. The higher the score the better the account – simple.
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How we picked theseBank of Scotland offers a range of business banking options for small, medium and large businesses, including business and treasurers’ accounts, mobile and Internet banking, and international banking resources.
Both new and existing businesses can apply for a Bank of Scotland business current account, with smaller businesses also receiving free day-to-day banking services for a limited time when they switch their account to Bank of Scotland.
Bank of Scotland provides different banking account options to businesses depending on their annual turnover:
| Size of business (turnover) | Free day-to-day banking | Dedicated support |
|---|---|---|
| £0-£3m | 12 months* | ✓ |
| £3m-£25m | x | ✓ |
| £25m+ | x | ✓ |
*For new businesses only
As well as regular business banking accounts, Bank of Scotland also offers international banking services for businesses looking to trade overseas. This includes making international payments and opening commercial foreign currency accounts as well as importing and exporting.
Existing Bank of Scotland customers can also access its International Trade Portal for free, which provides guidance and education on managing an international business. Non-customers can also start a free 90-day trial.
Existing customers: 0345 300 0268
New customers: 0345 606 0286
Large businesses (£25m+ turnover): 0345 604 8129
Business internet banking number: 0345 300 2924
Commercial banking online: 0808 202 1390
On the Apple App Store, Bank of Scotland’s business banking app scored 4.8 out of 5 stars based on just over 4,800 reviews. On the Google Play Store, the app scored 4.6 out of 5 stars, from a total of 1,200 reviews (last updated April 2025).
Pros
Cons
| Email support | |
|---|---|
| Telephone support | |
| In-app or live chat | |
| Contact form | |
| Branch support |
There are a number of business banking options available with the Bank of Scotland, depending on your business size, and users can also benefit from a dedicated resource hub. The bank offers an account switching service and free banking periods for new customers, but be mindful that monthly fees and transaction charges will apply after that period ends. You can manage your account online and through a mobile app, but if you think you’ll want to visit a branch in person, remember the network is mostly based in Scotland.
Get started by visiting Bank of Scotland’s website and sign up for an account. If you have read this review and decided that Bank of Scotland’s account is not for you, you can also compare other business bank accounts on the market.
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
Doesn’t merit one star. Consistently poor customer service
Impenetrable automated phone system takes ages to connect to a person. When connected it’s usually to someone who claims to be in the wrong department, or who is unable to solve the problem and passes on to another equally useless individual. Minor problems take hours or weeks to solve, all of which could be avoided by simple communication from the bank. Complaints are dealt with by a derisory ‘we are very sorry’ letter with no meaningful adjustment to process. Calling this service a business bank is ridiculous. There is no personalised access for basic problem solving. Poor value for money, impervious to constructive feedback and resistant to change. Avoid them at all costs
Via customer survey commissioned by Finder
Great service and I've never had any problems
Via customer survey commissioned by Finder
Great product and customer service
Via customer survey commissioned by Finder
We have our own relationship manager who helps us out regularly and we get generally good rates on the products we use
Via customer survey commissioned by Finder
It was very reliable and helpful
Via customer survey commissioned by Finder
Via customer survey commissioned by Finder
Via customer survey commissioned by Finder
Good bank
Via customer survey commissioned by Finder
It is a fantastic brand
Via customer survey commissioned by Finder
Poor staffing levels in branches. Business banking area rarely staffed
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