This offer has ended
Bank of Scotland closed this offer on 04 Aug 2026.
There is plenty else on Quidsy though. See what else is live.
Bank of Scotland
£175 Free Cash
£175profit
22mins to complete
Offer overviewChris · Your personal guide
Bank of Scotland is a UK high street bank offering current accounts, savings and mortgages.
£175 free cash, and one of the easiest switches going. No minimum pay-in and no card spending. You just need an old account with at least 3 active Direct Debits, which move across on their own. Switching takes 7 working days, and the bonus lands within 14 of starting.
Check first: you cannot claim if you have had a switching bonus from Bank of Scotland, Lloyds or Halifax since January 2023, or if you are switching from Lloyds or Halifax.
£175 Walkthrough Video
Key terms
+£175
Credit checkHard check
Direct debits3
Free cash arrives9 days
Once criteria met
Eligibility
- Does not qualify:Switching bonus from Bank of Scotland, Lloyds or Halifax since January 2023
- Does not qualify:Switch from Lloyds or Halifax to Bank of Scotland
Step by Step Guide
Before starting a switch, check the existing current account you're switching from:
Don't yet have these? Check out the Spare Account guide for details.
Set up your Spare Account by Friday 24th July by 6.30pm. This offer closes on Tuesday 4th August, and a Quidsy £1 Direct Debit needs 6 working days to take its first payment before it counts as active in step 1 below. Start the Spare Account guide
Start here
Apply for the Classic Current Account
15 mins
- 1Use the button below to start your Bank of Scotland Classic Current Account application
This offer has ended, so there is nothing to start here.
See what else is live - 2Choose to switch your current account using the full Current Account Switch Service
- 3Enter your existing bank's sort code and account number, then pick a switch date
- 4Complete ID verification to finish your application
Keep 3 Direct Debits active
Up next · 2 steps
Wait for the switch to complete
Switch takes 9 days5 mins
- The Current Account Switch Service moves your Direct Debits, standing orders and incoming payments automatically
Your old account closes once the switch is complete
Bank of Scotland confirms when everything has moved across
Receive £175 free cash
Within 18 days2 mins
Counted from starting your switch.
- Check your Bank of Scotland account for the £175 cash credit
Keep Bank of Scotland as your main account, or switch it on to your next bank switch offer
3 steps to £175
Quick review
Bank of Scotland
Wondering whether Bank of Scotland is worth it beyond the bonus? Here is our honest take.
CategoryBank Switching
Last updated
Chris' verdictYour personal guide, QuidsyFor a first switch, Bank of Scotland is hard to beat. The £175 is among the easiest switching bonuses to claim because there is no money to pay in and nothing to spend. You just need your old account to have three active Direct Debits, and those move across automatically with the switch.
As an everyday bank it is solid rather than exciting: free, reliable and app-based, but without the interest or rewards some rivals offer.
If you have not had a switch bonus from this banking group since January 2023, it is a clean, low-effort win, and a sensible first step before moving on to other switch offers.