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Bank of Scotland: Classic Account reviews

Name: Classic Account
Rating: 3.96 (109 reviews)

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3.96

Based on 109 reviews, last reviewed 27th Feb 2025

400% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

48%

22%

16%

Latest highest rating:

5

The Bank for a lifetime. I opened my first bank account at the Bank of Scotland at 15 years old. Over 35 years later nothing has ever made me contemplate leaving for another B... Read more Reviewed on: 27th February 2025

Latest lowest rating:

2

Rubbish interest on Classic account Rubbish interest on Classic account, low interest on other accounts Reviewed on: 26th February 2025

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About this product

Bank of Scotland is a commercial and clearing bank, part of Lloyds Banking Group. The Bank of Scotland Classic Account is one of the bank’s current accounts. It has opportunities to earn interest and cashback with selected retailers, as well as offering overdraft options. Account holders can also take advantage of a mobile banking app packed with features and benefits.

Finding the right bank account for your financial needs is important. We collect Bank of Scotland Classic Account reviews to give you valuable insight into the account and provider. Make an informed decision by reading the reviews on Smart Money People.

Find out how long account holders have had their Classic Account with Bank of Scotland. Read about the main pros and cons they’ve experienced so far. Learn more about the mobile banking app and the most beneficial features it has. Find out if existing account holders would recommend the account to their family and friends. Read about experiences with the customer service team. All of this and more can be found in our Bank of Scotland Current Account reviews.

If you have a Bank of Scotland Classic Account, write an honest review today. Tell us why you chose this account and whether it’s your main bank account. Have you been satisfied with the account so far? Do you use the cashback opportunities and would you say they’re worthwhile? What are your favourite features of the mobile banking app? Have you encountered any issues with the account, and if so, how well did the provider resolve them? Whether good or bad, write a Bank of Scotland Classic Account review. Together, we can help people like you make better financial decisions.

Bank of Scotland Classic Account reviews (109)

Review of the Bank of Scotland, Classic Account:

Up to 3% on your balance

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) Reviewed on: 11th March 2017

The Bank for a lifetime.

I opened my first bank account at the Bank of Scotland at 15 years old. Over 35 years later nothing has ever made me contemplate leaving for another Bank. Competitive in every way, but their customer service has always been the main benefit. From Business banking to personal banking, mortgage to insurance, they are always on hand to help. I have never had a bad experience. Cannot recommend them more. Reviewed on: 27th February 2025

Excellent

The staff are very helpful and understanding if you have a problem helping you understanding any problem you may have and explaining it so you know what you need to do Reviewed on: 26th February 2025

5 years of fabulousness!

I have been with bank of Scotland for five years now. I have had a secondary bank account with other banks in between. I always trust that bank of Scotland has the best intentions for me and my money. Overall, I feel very secure having bank of Scotland as my main banking provider and won’t be swapping from them anytime soon. Reviewed on: 26th February 2025

Basic, no-frills bank account

This account could appeal to anyone looking for a straightforward bank account that charges no monthly fee but also allows them to earn interest on their balance. You can also benefit from cashback at selected retailers and round up your card payments with the Save the Change feature. Reviewed on: 26th February 2025

Rubbish interest on Classic account

Rubbish interest on Classic account, low interest on other accounts Reviewed on: 26th February 2025

Good service

I have not had any problems or issues with my account. A speedy answer to any of my questions and help with anything I have asked. Reviewed on: 26th February 2025

Decent experience

Overall okay bank. Experience is not as smooth but its good. Reviewed on: 5th February 2025

Great bank, always helpful and can speak to human if...

Great bank, always helpful and can speak to human if needed Reviewed on: 29th May 2024

The pervasive impact of white mediocrity

The branch in Morningside Edinburgh is grossly inefficient and run by a manager who struts around with an iPad asking people inane things like, ‘how are you with the cash machine, alright?’, but he couldn’t help me to get a diary slot in his colleague’s diary to set up an Executor Account. The cashiers seem fine but don’t try to do anything out of the norm. Can’t do it online, can’t do it in branch so I will take my business to another bank. Reviewed on: 24th May 2024

No local banks and low interest rates.

No local banks and low interest rates. Online help is difficult Reviewed on: 24th May 2024

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