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Bank of Scotland: Classic Account reviews

Name: Classic Account
Rating: 3.97 (117 reviews)

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3.96

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:

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

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

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

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