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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

No new 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

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 (112)

Review of the Bank of Scotland, Classic Account:

Best Bank

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

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

GREAT OVERALL PRODUCT

I love this account as it is easy to use and operate and the overdraft facility has been fine tuned now so it advises you how much you can borrow and you can do this easily and simply in just a few clicks. The down side, and the only reason I do not give it FULL MARKS is that it is easier to borrow than to pay back and if I choose to pay back some of my overdraft this is shown as me being inconsistent instead of diligently managing my money! Otherwise, love this account. Reviewed on: 7th November 2018

Happy customer

Happy experience throughout my time their x Reviewed on: 7th November 2018

Needs Improvement

I once bought a product which was of no service or use to me and when i requested a refund it was refused. Not the kind of service i need. Reviewed on: 6th November 2018

Great friendly bank

This has been a great experience. I was really struggling financially and was able to get back on track with the help of Bank of Scotland, They initially provided me with a basic account when I had none, then after time allowing me to upgrade to a classic account. I would not hesitate to recommend them to others. Reviewed on: 6th November 2018

good product

easy to use account perfect for first account Reviewed on: 17th July 2018

Fees are too much

I have a platinum account and the fees are too much. It started out at £12 per month and now it is £17 per month. Reviewed on: 13th June 2018

Great service

Having held a current account with the bank for many years I have always found the service I receive fantastic and the staff incredibly helpful at my local branch. Reviewed on: 11th February 2018

Force to automation

Sadly like other banks they do not like you interacting with a staff member any more and prefer you to use the dreadful automated machines that keep breaking down Reviewed on: 8th February 2018

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