[WillPS]

Same with football, as their team's in the Scottish league rather than the English one, I believe.

Don't RBS still have branches in England though? Or is that something that's changed recently? A quick google shows there's still RBS branded cashpoints around, or there were at least last summer when the most recent google streetview pictures were taken.

The last RBS branded branch in England is Berwick. There is also Holt's in Farnborough and Drummonds in London, which are both technically branches of RBS but are not branded as such.

There might be a few 'Cashline' ATMs but even those are mostly changing to being Natwest branded now, notably the Tesco ones.

I believe Bank of Scotland, unlike Royal Bank of Scotland, never actually had any English branches aside from Halifax ones anyway?

Berwick-upon-Tweed, as the most northerly town in England, is treated as a special case by both Bank of Scotland and Royal Bank of Scotland. Both still have branches there but, aside from commercial and specialist private banking activity, have no other business in England. You can still open accounts with them though, they just don't actively advertise or have branches there.

Bank of Scotland had a fair number of branches south of the border before the HBOS takeover/merger.