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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

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

My traditional bank

Traditional banking, but is moving with the times Reviewed on: 6th February 2023

Lousy interest

Long term customer, no incentives to stay and very low interest rate on current account. Could do better. Reviewed on: 1st February 2023

BoS is an easy and simple bank.

BoS provides most of the information you will ever require online via their website or app. It’s easy to check your account, make changes like adding new product, and set limits on your cards. Reviewed on: 18th July 2022

GREEDY BANK THAT GIVES YOU NOTHING BUT STRESS

THE BANK THAT STEALS & MAKES MONEY OF THE DISABLED This bank has taken my money and holding onto this for two weeks, expect no customer service, make fun of the disabled, provide incorrect information, worst banking group,worst service, Reviewed on: 24th May 2022

Setting up account first impressions count

Applied for a new account filling out all details online, account was created and received card, pin and security code in post took 1 week. Tried to set up online banking. Security code doesn't work so applied for another took 1 week to arrive. Try again on the app and get to a step to enter memorable data, nothing telling you what format this should be in. Log on via PC eventually get past this step. Then the service tries to call you for security but apparently no phone number is linked to the account, I'm looking at it on the copy of the application form! Call customer services 20:00 Friday night, wait over 25 mins. Told to add a phone number to the account I need to be at a higher level of security and they will send out another code taking 5 days. The only positive was that the member of staff was really efficient at closing my account presumably because they have so many unhappy customers they have to do it so often. Reviewed on: 4th February 2022

Long term current account

I have banked with BoS since leaving school. I have always found them rock solid and reliable. Recent history has been underwhelming with product interest rates. Reviewed on: 17th January 2022

Love my local branch

I joined my local and of Scotland in Eastkilbride Scotland around 2 years ago and I've had such a great experience with them .all the Stafford very knowledgeable and ate always appy to help. I Ave never adana issues with myaccount or online account etc.weeer I do phone the customer care team based in England they too are very polite & helpful so overall I Am very happy with this bank. Reviewed on: 10th January 2022

Legacy

Good longstanding Scottish history Reviewed on: 9th August 2021

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