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Bank of Scotland — Edinburgh-headquartered Scottish brand within Lloyds Banking Group, founded in 1695, regulated by the FCA and PRA, with a full retail product set including investments and ISAs.

HQ
Edinburgh
Customers
Established 1695
Connection
Open Banking (read-only)

  • Current accounts and salary inflows

    Your Bank of Scotland current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.

  • Savings, deposits and pots

    Easy-access savings, fixed-term deposits and goal-based pots offered by Bank of Scotland are read alongside the current account so the full balance is never split.

  • Cards and recurring spend

    Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.

  • Standing orders and direct debits

    Mortgage payments, rent, utilities and SEPA direct debits hitting your Bank of Scotland account are detected so non-discretionary outflows are clear month-on-month.

  • Current accounts

    Read by Bank AI

    Read-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.

  • Savings accounts

    Read by Bank AI

    Easy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.

  • Joint accounts

    Read by Bank AI

    Joint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.

  • Business accounts

    Read by Bank AI

    Where the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.

  • Multi-currency balances

    Not yet supported

    Multi-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.

  • Debit and credit cards

    Read by Bank AI

    Card-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.

Auto-classified merchants

  • Tesco
  • Sainsbury's
  • Asda
  • Marks & Spencer
  • Greggs
  • ScotRail
  • Amazon UK
  • BP

Detected subscriptions

  • Sky UK
  • Netflix
  • Spotify
  • Disney+
  • BT
  • Now TV

  • How much sits across my Bank of Scotland current account, Cash ISA and Share Dealing today?
  • Compare Bank of Scotland card spend at Tesco and Asda this quarter vs last.
  • List every recurring Sky UK, Netflix and BT payment on my Bank of Scotland account.
  • What's my total Lloyds Banking Group exposure across Bank of Scotland and Halifax?

Does Bank AI move money on my Bank of Scotland account?

No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Bank of Scotland. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Bank of Scotland app.

How does Bank AI connect to Bank of Scotland?

Bank of Scotland exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.

Does Bank AI read my Bank of Scotland Share Dealing account?

Yes. Where the Share Dealing platform exposes positions over PSD2, Bank AI reads ISA, SIPP and General Investment Account holdings alongside your current account so the cash-plus-investments picture is in one place.

Are Bank of Scotland and Halifax linked in Bank AI?

Bank of Scotland and Halifax are sibling brands within Lloyds Banking Group but operate as separate connections. Bank AI reads each one independently so a Bank of Scotland account and a Halifax account stay distinct in the view.

Does Bank AI surface my Bank of Scotland Cash ISA?

Cash ISA balances are read as distinct sub-balances under your Bank of Scotland connection, with the annual ISA subscription cap visible alongside any Stocks & Shares ISA you also hold.

What happens if Bank of Scotland raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Bank of Scotland-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.

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