Smart Money People Logo
Share this page
Link copied

Bank of Scotland: Classic Account reviews

View other Bank of Scotland products
3.94
Based on 112 reviews, last reviewed 15th Apr 2025
100% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
50%
See only 4 star reviews
21%
See only 3 star reviews
15%
See only 2 star reviews
5%
See only 1 star reviews
9%

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
Samantha Buntain's avatar
Samantha Buntain

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
Dan-'s avatar
Dan-
Read all reviews Write a review

About this product

The Bank of Scotland Classic account has no monthly fee when you stay in credit.

You can earn cashback with selected retailers, and Bank of Scotland will round what you spend to the nearest pound and transfer to a savings account automatically.

Bank of Scotland Classic current account reviews help you find out what it’s really like to be a customer. If you’ve used Bank of Scotland before, you can also leave a review and share your experience.

Review Bank of Scotland: Classic Account now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Bank of Scotland Classic Account reviews (112)

easy to access and understand

5
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
samantha buntain's avatar
samantha buntain

Helpful bank

4
Easy contact and helpful with phone queries. Easy to speed to. Reviewed on: 5th February 2017
Victoria Ashley's avatar
Victoria Ashley

Classic Current

4
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
Lisette Davidson's avatar
Lisette Davidson

Easy to set up

3
Easy to switch to them from my previous bank and they allowed me to have an overdraft which my previous bank didn't. Reviewed on: 27th December 2016
Chris Lovie's avatar
Chris Lovie

We was robbed, but the bank was great!

5
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. Reviewed on: 16th November 2016
DAVID HAIG's avatar
DAVID HAIG

Took me on when I was a bad risk.

5
They asked in depth questions to find out current and future financial plans and were happy to provide an account. Reviewed on: 27th June 2016
Joe Maguire's avatar
Joe Maguire

easy to apply

5
applied online to upgrade to classic account new card arrived few days later, great service Reviewed on: 20th June 2016
lynne flett's avatar
lynne flett

Easy access

3
Easy to view your account online via mobile app , update direct debits and standing orders however charges occur for failed direct debits Reviewed on: 28th March 2016
angela weir's avatar
angela weir

Mixed feelings

3
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. Reviewed on: 28th March 2016
Sarah-Jane's avatar
Sarah-Jane

customer experience

1
long waits, no staff, when there is staff ignore customers Reviewed on: 19th February 2016
Janette Wands's avatar
Janette Wands

Review Bank of Scotland: Classic Account now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review
Are you a business? Get insights, reply to reviews, invite customers and understand their needs

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
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill