Bank of Scotland Complaints • 0843 254 8705 • Phone Number

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Bank of Scotland complaints number:
0843 254 8705
Verified correct on: 20/07/2024

Call costs 5p per minute plus your phone companies access charge.

Bank of Scotland Plc

If you need to complain regarding any aspect of the Bank of Scotland’s products and service, then call the complaints line on 0843 254 8705. The company operates a structured complaints procedure should an initial phone call prove unsuccessful in resolving your issue.

Now part of Lloyds Banking Group, the Bank of Scotland is steeped in history as one of the oldest banking institutions with origins dating back to its opening for business in 1696.


Bank of Scotland should not be confused with the Royal Bank of Scotland (RBS).

In 2001, Bank of Scotland merged with the Halifax to form HBOS. In one fell swoop, this merger created a financial institution comparable in size to the traditional ‘Big Four’banks in the UK.

In 2006 HBOS was further re-organised having the effect of putting the Halifax ‘under’the Bank of Scotland (both banks used the latter’s banking licence) and turning Bank of Scotland into a Plc.

In 2009, both Bank of Scotland and the Halifax became effectively part of Lloyds Bank Group when they took over HBOS. Both banks operate under their own brands and organisational structures to serve their own customers.

Bank of Scotland are still headquartered at the Mound, their landmark premises in Edinburgh. It became the first bank to print its own banknotes, and continues to do so today.

In 1959 Bank of Scotland became the first bank to use computerisation to manage accounts centrally. In 1985, they were also the first bank to offer interactive services when customers could access their accounts on a television screen via the telephone using the Prestel system.


Bank of Scotland, Halifax, Birmingham Midshires, BM Savings, Intelligent Finance, Colleys Property Services, St James’s Place Bank.


Personal and business banking services, mortgages, investments including ISAs, loans, insurance services, share dealing, foreign currency/travellers cheques, savings and credit cards.

Making a complaint

Bank of Scotland can be contacted on 0843 254 8705 (24 hours) if you should need to complain. The bank have a structured complaints procedure if an initial phone call does not resolve your issue, and can be contacted by various other methods such as post, and email.

If your complaint is not dealt with to your satisfaction, then consult the Financial Ombudsman service (details below). Before you do so, you MUST follow the Bank of Scotland’s FULL complaints procedure. This culminates in your receiving a ‘final decision’letter which the Ombudsman will need to inspect.

Complaints regarding PPI (payment protection insurance) are handled separately.

Useful information

Complaints No: 0843 254 8705

Correspondence Address:
Bank of Scotland
PO Box 761

The Financial Ombudsman Service

South Quay Plaza
183 Marsh Wall
E14 9SR


Bank of Scotland complaints number:
0843 254 8705
Verified -

Calls cost 5p per minute plus your phone companies access charge.

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