While Bank of Scotland is familiar to the nation at large, for the 16-24 age group, it’s more of a ‘mum and dad’ bank than a brand for them. So we needed to make their student account relevant to young Scots entering a new chapter of financial independence, ultimately driving online sign-ups. To make new students feel empowered to make the most of student life with their Bank of Scotland student account, we started at the core – with the audience. 

We conducted our own qualitative and quantitative research and identified the two main worries of Freshers: making friends and managing finances. We invited the country’s up and coming creatives to help us solve the problem via the Marketing Society Scotland Aspiring Creative Star Award. 


We co-created the proposition ‘Be That BOSS (Bank of Scotland Student)’, speaking to a relatively financially-savvy new generation in a relatable, social-first way. We created characters and scenarios based around the encounters students have in their early days of university. 

The campaign demonstrates how Bank of Scotland’s dedicated student current account empowers new students to make the most of their university life. From cheaper socialising with cashback offers on a range of retailers to removing the awkwardness of splitting a round with the LinkPay feature.

[ THE CHANGE ]

580% increase in web visits

14% increase in new accounts opened

20% increase in customer needs met

Ailsa, Queen of coupons
Girl looking at mobile phone with text saying 'money in'
Young man with mobile phone and text 'Callum, his FOMO is real
Two girls taking a selfie with text saying 'low balance'
Young girl looking at camera with text 'Jamie, they love a night in'
Girl holding a bill with text' Split the bill'
Woman holding her mobile phone

“Being there for our customers during their first steps into financial independence means we can support them with all of life’s other firsts. Our student proposition is designed to help students build good habits with money and set them up for success throughout their financial journey. The Be That BOSS campaign communicates this along with the excitement of some of those Uni ‘firsts'."

Martin Turner, Head of PCA Customer Solutions, Lloyds Banking Group