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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

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

Never had an issue

Great customer service and never had an issue with them. Great bank overall Reviewed on: 5th February 2020

Easy to use bank account

Bank Staff are friendly, helpful and not pushy. Bank Account is straightforward, easy to use and trouble free. All payment methods available & also has easy to use safe Internet Banklng. Reviewed on: 19th January 2020

No issues

I have been with the Bank of Scotland for many years. I have never had any problems and have always found their customer service to be excellent in branch and over the phone. Reviewed on: 18th January 2020

Best Bank

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

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

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

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