The main Scottish banks include the Bank of Scotland, Royal Bank of Scotland and Clydesdale Bank, with many other UK and international banks also based here.
Banks open Monday through Friday at around 9:00am and close at around 5:00pm. Some banks open late on Thursdays and many are also open with reduced hours on Saturdays. Banks are closed on bank holidays.
In Scotland, banks usually give good exchange rates for foreign currency with most offering this service. It is also possible to change money in airports, larger railway stations, travel agents and some larger hotels. Bureau de Change often charges a handling fee and commission.
All Scottish bank notes, though different from English notes, are normally accepted in the rest of Britain. Northern Irish bank notes are also accepted in Scotland.
Most large shops, stores, hotels and restaurants will accept the majority of credit and debit cards including MasterCard, Visa, American Express and Diners. However, you must remember your PIN number when using your credit card in Scotland and throughout the UK.
It is also advisable to carry some cash in case of difficulty as many smaller accommodation, pubs, tearooms and small shops may not accept any form of credit or debit card.