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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:

Great bank

I have been with this bank for 20 years and wouldn't go anywhere else. Staff on the phone and in branches are friendly, extremely helpful and an absolute pleasure to deal with. Nothing is ever too much trouble. Reviewed on: 12th May 2017

Legacy

Good longstanding Scottish history Reviewed on: 9th August 2021

Reliable and improving

The use of face recognition has improved accessibility Reviewed on: 25th June 2021

very expensive overdraft

overall good but very expensive fees if you use your overdraft Reviewed on: 10th April 2021

Superb App

Really simple to use app with so many improvements over the last 18 months - excellent Reviewed on: 23rd March 2021

BoS is a first class bank.

Great bank to be with and despite being owned by the Halifax and Lloyds bank it is superior to both. very professional and I would recommend it to all my friends (and I have). Reviewed on: 4th March 2021

Poor customer service

Staff numbers continue to be cut with a focus to force customers online to less safer options and no back up support. Often the automated pay in machines fail to operate causing further stress. Reviewed on: 11th July 2020

Bank of Scotland account

Very convenient and well suited Reviewed on: 27th May 2020

BANK OF SCOTLAND HAVE LEFT ME AND MY FAMILY WITH NO MONEY

So I've just came back from working abroad and had dollars paid to me st the end of my contract. With all the virus stuff and now no work I called bank of scotland and explained my situation and they said yeh you can put them into your account and bring proof where u got them. No problem. Next day I go to Bank Of Scotland Johnstone and wait in line 2meters apart as suggested by the middle aged blond woman. When it was my turn 15mins later she asked me how can we help you today. I explained I was here to put my dollars straight into my bank. She said I'm sorry we dont do that, I explained I had spoke to someone the day before and she said I'll have to speak to a manager please go back outside and I'll let you know. So I'm now at the front of a cue when she comes back and tells me I'm sorry we're not doing that today it's only essential transactions. I explained this is my money I need to put in the bank as I have a family of 4 she interrupts obrubtly and tells its not essential. The girl behind me says to her what's not essential about needing money in your bank at these trying times. She then yells people are dying because of this virus there's more important things.... Bank Of Scotland have yet again failed there customers HOW DARE THEY TDLL ME ITS NOT ESSENTIAL. THEY TAKE YOUR MONEY AND GIVE YOU IT OUT, WHAT EKSE IS THERE THATS NOT ESSENTIAL. I now have all my wages in dollars and cznt buy anything. Now I'm in a worse place BECAUSE OF BANK OF SCOTLAND. THIS IS JUST THE START OF THIS IM GOING ALL THE WAY. NEVER AGAIN WILL WE USE BANK OF SCOTLAND. I later got an email from them with thd header Bank Of Scotland Here To Help Our Customers Through This Tough Time HaHa Ha Ha #terriblebank #worsebank Reviewed on: 25th March 2020

Great Banking

Great Customer Advice service, phone banking, app banking and internet banking. Highly recommend! Reviewed on: 9th February 2020

Excellent customer service

I often go into the bank once a week to withdraw or deposit money. It is very welcoming and there is always someone on hand to give you advice. The cashiers are great with a wile for every customer! Reviewed on: 7th February 2020

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