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Bank of Scotland: Classic Account reviews

Name: Classic Account
Rating: 3.96 (109 reviews)

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3.96

Based on 109 reviews, last reviewed 27th Feb 2025

400% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

48%

22%

16%

Latest highest rating:

5

The Bank for a lifetime. I opened my first bank account at the Bank of Scotland at 15 years old. Over 35 years later nothing has ever made me contemplate leaving for another B... Read more Reviewed on: 27th February 2025

Latest lowest rating:

2

Rubbish interest on Classic account Rubbish interest on Classic account, low interest on other accounts Reviewed on: 26th February 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 (109)

Review of the Bank of Scotland, Classic Account:

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

Not Innovative

Been with them for years but not a lot of new products Reviewed on: 16th March 2023

Long established business

Have banked with BoS for 30 years. Overall they have generally kept up with the times though more as a follower than a leader re internet and app. I live in London. My local Halifax supports my BoS account well. Phone Banking works well to though it may be because I am a Private Banking customer Reviewed on: 16th March 2023

Awesome

No issues at all no problem I will recommend Reviewed on: 10th March 2023

Very good bank with great customer service

I have been with Bank of Scotland for over 12 years and I always received an excellent customer service (phone/online/branch). Reviewed on: 9th March 2023

Friendly, helpful bank

Our local Bank of Scotland provides an excellent service. Staff are friendly and go out of their way to help. Getting good interest on a current account is an added bonus. They offer a great range of products and you are always able to get professional help. When trying to get assistance from another bank, everything had to be done online. Bank of Scotland has a good balance offering online services if preferred, but still provides excellent customer service for those of us who prefer human solutions! Reviewed on: 9th March 2023

Excellent Account

After being treated badly by another bank I am forever grateful that I managed to find this account it is excellent and has so many extras Reviewed on: 9th March 2023

My time at Bank of Scotland

I've been at this bank multiple times for small transactions, or just trying to sort my issue at the time. Sometimes they were helpful sometimes not really. They're not that busy and yet they decline service when they feel so. Reviewed on: 3rd March 2023

Brilliant

Great bank, love my classic account and the app is so secure. Reviewed on: 21st February 2023

Excellent

Great products and services offered Reviewed on: 16th February 2023

Classic account

Does the job. Interest rate not competitive Reviewed on: 12th February 2023

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