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Bank of Scotland: Classic Account reviews

Name: Classic Account
Rating: 3.97 (110 reviews)

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3.99

Based on 110 reviews, last reviewed 7th Mar 2025

500% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

49%

22%

15%

Latest highest rating:

5

Great bank Very informative and helpfull staff whenever I have a query. Reviewed on: 7th March 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 (110)

Review of the Bank of Scotland, Classic Account:

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

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 a brilliant place to bank in my opinion. Reviewed on: 20th 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 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. Reviewed on: 13th June 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 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. Reviewed on: 30th May 2017

Great bank

I have been with this bank for 20 years and wouldn't go anywhere else. Staff on the phone and in branches are friendly, extremely helpful and an absolute pleasure to deal with. Nothing is ever too much trouble. Reviewed on: 12th May 2017

Current Account interest

You can have up to 3 current accounts all earning good interest a month #MaxYourMoney Reviewed on: 20th March 2017

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

Classic account

I have had this account for 12 months now and I could not be happier grate customer service grate for credit interest and lots of benefits too Reviewed on: 22nd February 2017

easy to access and understand

Great experience I would definitely recommend to friend and family intact I already have. very easy to understand and can check online which is quick to do Reviewed on: 11th February 2017

Helpful bank

Easy contact and helpful with phone queries. Easy to speed to. Reviewed on: 5th February 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 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. Reviewed on: 4th January 2017

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