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Bank of Scotland: Classic Account reviews

3.95
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
See only 5 star reviews
48%
See only 4 star reviews
22%
See only 3 star reviews
16%
See only 2 star reviews
5%
See only 1 star reviews
9%

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
Chris S's avatar
Chris S

Latest lowest rating:

2

Rubbish interest on Classic account Rubbish interest on Classic account, low interest on other accounts Reviewed on: 26th February 2025
David Paterson's avatar
David Paterson

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

4
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

Best Bank

5
I have always thought my experience when in branch or calling has been very professional and efficient. Reviewed on: 23rd December 2019

Reasonable app, customer service lacking

4
The app is easy to use though could do with some more functionality. Unfortunately it's very difficult to get through to customer service. Reviewed on: 22nd November 2019

Rubbish interest and overdraft fees

2
Appalling rates of interest for classic accounts and daily overdraft fees are a total rip-off. Reviewed on: 22nd November 2019

Excellent Account

5
After losing my job and being treated appallingly by my previous bank BofS stepped in when i was at my lowest and helped me regain some dignity. The Classic account is excellent and offers everything you would expect and has no fee. Reviewed on: 21st November 2019

OK, I suppose

3
They used to make a lot of mistakes when it was telephone banking and were never wrong. Since I moved to Internet Banking no mistakes but poor interest. Reviewed on: 21st November 2019

Best bank I've been with

5
Absolutely love BOS there customer service in branch are amazing and there app is great Reviewed on: 12th November 2019

Interest on current account

5
And no monthly fee Friendly and helpful staff Reviewed on: 2nd August 2019

Amazing

5
I went to them when I needed help and they certainly helped Reviewed on: 7th June 2019

Excellent Account

5
Bank of Scotland came in and helped me when no one would. I was struggling t get a bank account that didn't charge a fee after losing my bank account with RBS. I had finally gotten a job, after a long period of unemployment, but it hinged on my getting a bank account. They were helpful quick and above all so respectful and made sure I was treated with the respect all are due. I cant recommend them enough. Reviewed on: 16th April 2019

Hampered by Halifax

3
Bank of Scotland has not been the same since it's disastrous tie up with the Halifax. Maybe one day it will again be a bank Scotland can be proud of. Reviewed on: 9th February 2019

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