Currency in Scotland
The main Scottish banks include 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 9:00am or 10:00am and close at 4:00pm or 5:00pm. Some banks open late on Thursdays and a few also open on Saturday mornings.
In Scotland, banks usually give good exchange rates for foreign currency and most banks offer 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, while Northern Irish bank notes are also accepted in Scotland.
Most large shops, stores, hotels and restaurants will accept the majority of credit cards (MasterCard, Visa, American Express, Diners etc). 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 accommodations, pubs, tearooms and small shops are unlikely to accept any form of credit card.