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Bank of Scotland: Classic Account reviews

Name: Classic Account
Rating: 3.96 (109 reviews)

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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

48%

22%

16%

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

Latest lowest rating:

2

Rubbish interest on Classic account Rubbish interest on Classic account, low interest on other accounts Reviewed on: 26th February 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 (109)

Review of the Bank of Scotland, Classic Account:

Up to 3% on your balance

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

An Honest Bank

Banks in general are getting bad press, but only because they didn't put up a fight over PPI. Loads of people took it out and were not mis-sold but are allowed to claim it all back. Many benefitted from having it. Petrol companies and supermarkets get away with murder. Support your local Bank whoever they are. I am with Bank of Scotland and trust them completely. Honest staff doing a great job. I have never received anything but good advise, friendly service and not been mis -sold anything. Reviewed on: 4th February 2019

Easy to set up and Fab Service

I set up a bank account with Bank of Scotland. It was so easy to do and very quick. The service inside the bank is also fantastic with friendly, knowledge able staff who look out for you and your money. Reviewed on: 29th December 2018

Fantastic

Excellent customer service as always! Truly care about customers. Reviewed on: 28th December 2018

Excellent experience

Cannot fault this bank. They have been very supportive and helpful throughout my time with them, and their app is second to none. Reviewed on: 9th December 2018

Simple, Accurate, Secured

Bank of Scotland was my first bank to get a personal account with as a high school student and it was and still a great experience and one of my favourite banks Reviewed on: 7th December 2018

Classic Account

Staff are always so friendly and helpful, good benefits with account Reviewed on: 2nd December 2018

Classic Vantage account.

I use my classic vantage account as a secondary account and am happy with the online banking system and it offer a very reasonable interest rate. Reviewed on: 23rd November 2018

Excellent product

Excellent product and service, can’t fault them at all. Always there to help if needed but never actually needed. Reviewed on: 14th November 2018

Poor customer service commonplace

Service is often poor to the extent that I avoid phoning the call centre if I can help it. Reviewed on: 11th November 2018

Not helpful

Having had an overdraft for 15 years, they removed facility without notice and it caused stress and hardship. Poor customer service Reviewed on: 9th November 2018

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