Write a review

Bank of Scotland: Classic Account reviews

Name: Classic Account
Rating: 3.96 (112 reviews)

View other Bank of Scotland products

3.94

Based on 112 reviews, last reviewed 15th Apr 2025

600% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

50%

21%

15%

Latest highest rating:

5

Reliable, secure, excellent customer service, user-f... Reliable, secure, excellent customer service, user-friendly app, transparent fees—Bank of Scotland’s Classic Account makes everyday banking simple and... Read more Reviewed on: 15th April 2025

Latest lowest rating:

2

Not good rates but good customer service which is a... Not good rates but good customer service which is a plus Reviewed on: 13th March 2025

Read all reviews See your review

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 (112)

Review of the Bank of Scotland, Classic Account:

Simple to use bank

I like how bank of Scotlands mobile app is easy to use and simple to find the things you really need. I also love how fast it is to transfer money! Reviewed on: 5th April 2023

Good trust worthy bank

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! Reviewed on: 6th November 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 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. Reviewed on: 4th October 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 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

Do you have a different Bank of Scotland product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Plutus Account
from Plutus 0.00 from 0 reviews
Current Account
from Hampden & Co. 3.67 from 4 reviews
Graduate Account
from NatWest 4.36 from 61 reviews

There's still more to see!

Bank of Scotland has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub