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:

Rubbish interest and overdraft fees

Appalling rates of interest for classic accounts and daily overdraft fees are a total rip-off. Reviewed on: 22nd November 2019

Great bank, always helpful and can speak to human if...

Great bank, always helpful and can speak to human if needed Reviewed on: 29th May 2024

The pervasive impact of white mediocrity

The branch in Morningside Edinburgh is grossly inefficient and run by a manager who struts around with an iPad asking people inane things like, ‘how are you with the cash machine, alright?’, but he couldn’t help me to get a diary slot in his colleague’s diary to set up an Executor Account. The cashiers seem fine but don’t try to do anything out of the norm. Can’t do it online, can’t do it in branch so I will take my business to another bank. Reviewed on: 24th May 2024

No local banks and low interest rates.

No local banks and low interest rates. Online help is difficult Reviewed on: 24th May 2024

BOS is my first and last bank!

Bank of Scotland was my very first bank and it could not have been simpler to start up and get my life going, BOS is by far the safest and most reliable bank I have ever had the pleasure to hold my money in. Reviewed on: 2nd April 2024

I have been with this bank for years and found them...

I have been with this bank for years and found them to be better than the last one I was with and it costs less to do so. Reviewed on: 19th March 2024

Classic Current Account.

Classic Current Account. Works very well for me. Cheque Book and Card that is a Debit Card. Great Online facility linked to my Savings Account and Credit Card and had my previous Cash ISA Accounts on it. Reviewed on: 16th February 2024

Review of old bank

Used them for decades, but just don't trust them or feel comfortable with them Reviewed on: 8th January 2024

best helpline to advise me when i use my log in credientails and need help

i have always been with Bank Of Scotland for over 40 years never any problems Reviewed on: 13th October 2023

First class, been with them over 50 years

I've always found BOS reliable and customer focused. Reviewed on: 14th August 2023

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

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

Premier Current Account
from Barclays 4.26 from 101 reviews
Student Current Account
from TSB 4.19 from 6 reviews
Current Account
from Chase Bank 4.95 from 43905 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