Write a review

Go to business site

Bank of Scotland: Classic Account reviews

Name: Classic Account
Rating: 3.97 (117 reviews)

View other Bank of Scotland products

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

Read all reviews See your 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.

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

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

A bit of a sleeper...

I never see this product promoted, but to my mind it's actually quite good! No flashy thrills, but it does offer 3% interest rate on balances of £5k...which is much stronger than any savings account I can find! Service is ok...hence the 4 stars overall rating. Reviewed on: 4th April 2015

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

Select Platinum Current Account
from RBS 3.64 from 42 reviews
Current account
from Citibank 2.71 from 10 reviews
Current Account
from Allied Irish Bank - AIB 2.49 from 16 reviews

Want to see more from Bank of Scotland?

Investment Account
from Bank of Scotland 5.00 from 1 reviews
Life Insurance
from Bank of Scotland 5.00 from 1 reviews
Personal Loan
from Bank of Scotland 4.58 from 5 reviews

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