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Bank of Scotland: Classic Account reviews

Name: Classic Account
Rating: 3.96 (112 reviews)

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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

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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 (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

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

easy to apply

applied online to upgrade to classic account new card arrived few days later, great service Reviewed on: 20th June 2016

Easy access

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

Mixed feelings

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

customer experience

long waits, no staff, when there is staff ignore customers Reviewed on: 19th February 2016

Big push towards using machines

This bank has a big push towards the automated world with less face to face contact with humans. This may work some times and be useful for some but not all. It is all about cost not customer service. Customer service going downhill sadly. Better customer care elsewhere. Reviewed on: 16th February 2016

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