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Bank of Scotland Classic Account Reviews

Ratings based on 25 reviews Last review 1 week ago

Bank of Scotland Classic Account reviews come from people like you! With so many different current accounts now available, you can read these honest Bank of Scotland Classic Account reviews to find out what life as a Bank of Scotland customer is...

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Bank of Scotland Classic Account reviews come from people like you! With so many different current accounts now available, you can read these honest Bank of Scotland Classic Account reviews to find out what life as a Bank of Scotland customer is really like. And remember, if you are a Bank of Scotland customer, you can write a short review here to help other potential customers. Smart Money People is the UK's leading financial services review site and dedicated to being an independent and honest source of Bank of Scotland Classic Account reviews. Together, we can make financial services work better for everyone.

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Your Classic Account Reviews (25)

13th November 2017

Overdraft fee redtructure again

Once again Bank of Scotland have moved the goalposts and once again ended up costing me even more money than before. They have now put a rolling daily overdraft charge in place whoch comes off each and everyday.

6th November 2017

Good trust worthy bank

I feel happy with the Bank of Scotland,...

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I feel happy with the Bank of Scotland,
My money is secure the statements both online and on paper are well explained and up to date
The banking app is easy to use and the customer service is always happy to help online or by telephone however I do find my local branch staff to be a little unprofessional not at all friendly or helpful I always feel like they are in a rush to get rid of me which they probably are as there is always lots of ques.
Great offers are always available on my app which I take advantage of monthly
Great service!

4th October 2017

Going down hill since taken over by LLoyds

I just think they are pretty avarage, and have been going down hill since taken over by LLoyds, My accounts have been rebranded as Halifax accounts although my cheque books are still...

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I just think they are pretty avarage, and have been going down hill since taken over by LLoyds, My accounts have been rebranded as Halifax accounts although my cheque books are still BoS.
I have about 8 accounts with Halifax/BoS but there is no overall total.
They will try to hit me with fees if I do not have money in the right pocket at the right time.
All in all I think it is a crap service, but I have yet to find better.
First Direct is alleged to be better, but not in my experience.

20th June 2017

Brilliant.

I have banked with the bank of Scotland since I was 16 and I have never had a problem! I can not fault them in anyway, I find that using my online banking app makes things more easier and faster for me than having to visit my local branch. Definitely...

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I have banked with the bank of Scotland since I was 16 and I have never had a problem! I can not fault them in anyway, I find that using my online banking app makes things more easier and faster for me than having to visit my local branch. Definitely a brilliant place to bank in my opinion.

13th June 2017

Easy set up, great account, friendly staff

I recently opened a new "Classic Account with Vantage" at the Bank of Scotland. My partner has been with them for over 20 years and told me that they've been great. I did my research and their accounts have quite consistently been in best buy tables...

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I recently opened a new "Classic Account with Vantage" at the Bank of Scotland. My partner has been with them for over 20 years and told me that they've been great. I did my research and their accounts have quite consistently been in best buy tables I've seen, it also pays interest (unlike my old account at RBS) and they have more branches around - not that I really use them, but it's nice to know they are there. I also liked the everyday offers feature, which said it would give me cashback just shopping as normal if I pay with my Bank of Scotland debit card. You can have these offers "flagged" on your statement too, so that you spot where you could be earning cashback. I did pop in to the branch with a few questions before I opened the account, and the staff were very friendly and helpful. There was a queue at the time, and 2 staff members were helping people skip the queue by showing them how to deposit money in the deposit box/cash machines which I thought was helpful.
It meant I was seen much quicker than just joining the line! They also have a linked monthly saver account which looks good, I may open that too (you need a Bank of Scotland current account to have the Monthly Saver account).

I did the account opening online, which was very easy to do, and had the decision in minutes. I think the whole process took less than 10 minutes. The card and PIN arrived within 4 days (faster than they said it would). Their mobile banking app is VERY easy to use and looks like it lets you do everything you might need to do. I have just activated my first everyday offer - 5% cashback on shopping in Morrisons.

All in all, my experience so far has been very positive, no problems opening the account, and so far, lots of good things about the bank and the account.

30th May 2017

Not really keeping up with the times

I've been with Bank of Scotland and then HBOS for more than 20 years now. In the time, they've been slow to respond to internet banking, their website is not very intuitive, and their bank and credit card statements are not easy to print out and...

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I've been with Bank of Scotland and then HBOS for more than 20 years now. In the time, they've been slow to respond to internet banking, their website is not very intuitive, and their bank and credit card statements are not easy to print out and export. Plus they have refused to divest from certain ethically dubious businesses and individuals. They're not terrible, but I think they could be doing a lot better.

11th March 2017

Up to 3% on your balance

The Classic Account from Bank of Scotland pays 3% on balances from £3,000 to ...

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The Classic Account from Bank of Scotland pays 3% on balances from £3,000 to £5,000.

Make sure you add 'Vantage' to your account else you won't get it.

You need to pay in at least £1,000 per month, stay in credit, and must have two different direct debits paid from the account each month.

If your balance is less than £3,000 the rates are tiered - 1.5% (£1 to £1000) and 2% (£1,000 to £3,000)

4th January 2017

Classic Current

I really enjoy banking with the Bank of Scotland and have been with them for a number of years. I recently changed from a fee paying bank account which had benefits I really had no need of to the Classic Vantage account which actually pays me when I...

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I really enjoy banking with the Bank of Scotland and have been with them for a number of years. I recently changed from a fee paying bank account which had benefits I really had no need of to the Classic Vantage account which actually pays me when I am in credit, on a tiered rate. Okay, I don't get tons, but I don't pay in tons, and what I do get is helpful. I have always found them helpful and generous and never had any problems with them and guess what? I am saving myself £17.50 per month on a really good current account.

16th November 2016

We was robbed, but the bank was great!

After money was fraudulently taken from our account by scammers (nearly £900) and articles bought from a TV shopping channel, using a picture of my ex-wifes card that had been taken from an ATM, the bank were very understanding and caring with us, ...

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After money was fraudulently taken from our account by scammers (nearly £900) and articles bought from a TV shopping channel, using a picture of my ex-wifes card that had been taken from an ATM, the bank were very understanding and caring with us, throughout the whole process. We were not made to feel implicated, or involved, indeed we were total innocents in the whole process, and were made to feel as such. The bank were great. We were refunded within 2 days, the whole amount too.

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