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Bank of Scotland: Classic Account reviews

Name: Classic Account
Rating: 3.97 (117 reviews)

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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

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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:

Brilliant

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

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

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

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