Graduate Account

Congratulations! Your hard work has paid off, and you’ve graduated. Now let’s help you make the most of the opportunities ahead.

Benefits and features:

• A tiered interest and fee-free planned overdraft (subject to application and approval). Up to £2,000 in your first year after graduation, £1,500 in your second year and £1,000 in your third year.
• £10 overdraft buffer. No overdraft fees or interest to pay if you go overdrawn (either planned or unplanned) by £10 or less.
• A Visa debit card. You don’t always want to carry lots of cash when you’re out shopping or meeting up with friends. Instead, you can use your Bank of Scotland Visa debit card to pay directly from your account.
• Internet and Telephone Banking. Secure services where you can do everything from checking balances and payments to transferring money, and a whole lot more.
• Free text message services* to help you keep better track of your money wherever you are.

To have a Graduate Account you must:

• Be a permanent UK resident and have confirmation of graduation,
• Have graduated within the last 3 years with a degree from a UK based university,
• Transfer your current account from your existing bank if you're not already a Bank of Scotland customer,
• Pay at least £500 into your account per month (if you are moving your account to us). 

Apply at your local branch

Visit your local branch and we'll open the account for you.

You’ll need to bring:

• A 10 year passport or driving licence and proof of graduation,
• An existing bank statement or copy of a utility bill dated within the last 3 months,
• Bank statements from the past 6 months and evidence of overdraft limit set,
• Your current debit card and letter of employment confirming your income (if this isn't included on the statements).