Bank of Scotland offer a variety of credit cards designed to help you organise your finances, with features across its range to suit your needs. Whether you're looking to get a great deal on purchases, or you want a good rate for transferring your existing balance via a 0% balance transfer credit card, Bank of Scotland credit cards can help.

As well as the standard fraud protection across all of it credit cards, Bank of Scotland also provide additional protection services offering you extra peace of mind.

All Bank of Scotland credit card customers are provided with an online banking service allowing them to manage their accounts at a time and place that suits them, with 24/7 instant access to several features, such as statements detailing recent transactions, and the ability to pay off balances.

Bank of Scotland current accounts offer every-day banking solutions with a difference. Within it range, you can expect to be rewarded for being a Bank of Scotland account holder, with rewards for paying in a specified amount each month, interest free overdrafts and a great range of features and benefits.

All Bank of Scotland current accounts come with a Visa debit card, accepted all over, giving you easy access to your money.

For added peace of mind, all deposits up to £50,000 are covered by the Financial Services Compensation Scheme.

HBOS and Lloyds TSB savings are covered separately under this scheme, so customers can have up to £50,000 covered in both Lloyds TSB and HBOS.

Bank of Scotland Savings Accounts offer customers a wide variety of choice, providing a whole range of features and benefits designed to suit all types of saver.

Bank of Scotland Savings Accounts make life easy, with competitive rates of interest, unlimited deposits and withdrawals and easy access to your account online, or instant access with a cash card.

Opening a Bank of Scotland Savings Account is easy and you can get started with as little as £25, so start saving today with Britain's largest savings provider (Halifax and Bank of Scotland).

Bank of Scotland ISA's cover a full range of features and benefits helping you to choose an account that will suit your financial needs. Whether you're looking to open an account that will not issue a penalty or restrict your withdrawals, or you would rather fix the term of your account and benefit from higher rates, Bank of Scotland has a suitable ISA for you.

All Bank of Scotland ISA's come with telephone and internet banking, giving you easy access to your account day or night, giving you the means to manage your account at a time and place that suits your needs.

As with all UK ISA's you are limited to making deposits up to £3,600 per year. Once this amount is added, you will benefit from tax free interest on your balance.

The Bank of Scotland provide a range of business banking to suit your business needs. With competitive rates and bonuses, you're sure to find the right business account package.

The Bank of Scotland Business Banking features the following:  

• Low transaction fees
• Tariff options
• An easy switching process
• Customised flexible borrowing
• Online and telephone banking providing 24 hour account access
• Free Business Card for the first year upon opening account

Bank of Scotland Business Savings Accounts offer businesses the flexibility to use and move their funds with ease, with no restrictions on withdrawals and deposits.

Bank of Scotland Business Banking helps you to earn income from your businesses surplus funds. These savings accounts are designed specifically for your needs, with competitive interest rates and instant access to your funds without incurring any penalties.

You can open a Bank of Scotland business savings account with a minimum deposit of just £1, so don't put it off, start earning valuable income today.

Below is a summary of the benefits:

• Instant access to funds with no penalties
• Negotiated rates of interest linked to base
• Open an account with a minimum deposit of £1
• Interest calculated daily and paid monthly
• No hidden fees or setup charges
• Easy Access
• Deposits withdrawals made from any Halifax branch
• 24-hour access to through via award-winning Internet and Telephone Banking services
• Access to a dedicated team