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Bank of Scotland: Classic Account reviews

Name: Classic Account
Rating: 3.97 (117 reviews)

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3.95

Based on 117 reviews, last reviewed 23rd Jan 2026

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

49%

21%

16%

Latest highest rating:

4

Good service, low interest. Good service, low interest. Friendly staff. Reviewed on: 23rd January 2026

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

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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.

Bank of Scotland Classic Account reviews (117)

Review of the Bank of Scotland, Classic Account:

Best Bank

I have always thought my experience when in branch or calling has been very professional and efficient. Reviewed on: 23rd December 2019

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

Easy to set up

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

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, 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

Took me on when I was a bad risk.

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

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