Reach a human · Banking
Talk to a person at Bank of Scotland
Current accounts, cards, savings and mortgages.
Standard rate, included in most mobile minutes
0345 721 3141
✓ Number checked on the official website
Hours and numbers
Opening hoursEvery day, 8am to 6pm. Closed bank holidays.
From outside the UK+44 131 337 4218
Lost or stolen card from abroad+44 131 454 1605
Fastest route to a person
- Have your account, policy or card number ready, and pass security first
- Say “speak to someone” or choose the option for an existing account or claim
- For a complaint, say the word “complaint” clearly so it gets logged
- Ask for a reference number before you hang up
Menu shortcuts change often. Tell us if one stops working.
Quietest time to call
Mid-afternoon (2pm to 4pm), Tuesday to Thursday
Busiest, avoid if you can
Monday mornings, lunchtimes and pay day
Monday mornings, lunchtimes and pay day
Other ways in
Online helpbankofscotland.co.uk/helpcentre/call-us.html
App or online accountMost changes, documents and chat are in the app
Not sorted? Complain
Complain to the firm. After 8 weeks, or a final response letter, the Financial Ombudsman Service is free.
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Last checked 2026-11-06 · Source