Tell us about your insurance providers and you could win £1000!
Tell us about your insurance providers and you could win £1000! Vote in the Insurance Choice Awards
Vote in the Insurance Choice Awards

Bank of Scotland Classic Account Reviews

Ratings based on 19 reviews Last review 3 months 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...

Read Full Description

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.

5 8
4 5
3 4
2 0
1 2

Our Smart Money People 360° Rating

NOT RATED
Combines our customer review data set with wider market analysis. Find out more here.

Your Classic Account Reviews (19)

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...

Read more

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...

Read more

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...

Read more

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 ...

Read more

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...

Read more

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, ...

Read more

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.

28th March 2016

Mixed feelings

With Bank of Scotland reward current account I get a monthly £5 reward which is quite nice, there are lots of offers for cash back too but in years I've never actually made a valid purchase offer, for some depending on spending habits this could be ...

Read more

With Bank of Scotland reward current account I get a monthly £5 reward which is quite nice, there are lots of offers for cash back too but in years I've never actually made a valid purchase offer, for some depending on spending habits this could be quite useful too though. Several other accounts and little else to keep me there, low interest rates and mediocre customer service. I have had one bad experience fairly recently when I spend more than 2 hours on the phone to solve a relatively simple problem. I did complain about the customer service which to Bank of Scotlands credit was followed up with a polite email and then phone conversation and I was reimbursed a small amount for my inconvenience , however this was overshadowed somewhat by their inability to provide a satisfactory response to why the problem had come about in the first place and why it'd taken so long to resolve. Other than this I've never had a major problem in years and in branch staff have always been more than helpful, but recently I'm thinking it's maybe time for a switch.

16th February 2016

Big push towards using machines

This bank has a big push towards the automated world with less face to face contact with humans. This may work some times and be useful for some but not all. It is all about cost not customer service. Customer service going downhill sadly. Better...

Read more

This bank has a big push towards the automated world with less face to face contact with humans. This may work some times and be useful for some but not all. It is all about cost not customer service. Customer service going downhill sadly. Better customer care elsewhere.

4th April 2015

A bit of a sleeper...

I never see this product promoted, but to my mind it's actually quite good! No flashy thrills, but it does offer 3% interest rate on balances of £5k...which is much stronger than any savings account I can find! Service is ok...hence the 4 stars ...

Read more

I never see this product promoted, but to my mind it's actually quite good! No flashy thrills, but it does offer 3% interest rate on balances of £5k...which is much stronger than any savings account I can find! Service is ok...hence the 4 stars overall rating.

Articles related to Bank of Scotland