More than 100 Scottish posts are to be lost under plans announced by Lloyds Banking Group.
Most of the 135 job losses come after a management restructure in the Bank of Scotland branch network.
The other roles are spread across wealth, commercial banking, group operations and IT, Lloyds said.
A further 70 posts are being transferred to outside suppliers, including cleaning and cash handling.
They are among 940 jobs Lloyds is cutting as part of its strategic review which will see the taxpayer-backed lender lose 15,000 staff by 2014.
The bank said it would try to avoid compulsory redundancies but unions called the announcement a "complete disgrace", saying it was the third job loss announcement from Lloyds in the past few days.
Lloyds said in a statement: "The group's policy is always to use natural turnover and to redeploy people wherever possible to retain their expertise and knowledge within the group.
"Where it is necessary for employees to leave the company, it will look to achieve this by offering voluntary redundancy. Compulsory redundancies will always be a last resort.
"In fact, during 2009 and 2010, slightly less than 50% of the role reductions made as part of integration have led to people leaving the group through redundancy."
Unite national officer Dominic Hook said: "In the middle of an economic crisis, a bank part-owned by the public should be keeping jobs in the UK, not exporting them abroad."