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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:

Easy set up, great account, friendly staff

I recently opened a new "Classic Account with Vantage" at the Bank of Scotland. My partner has been with them for over 20 years and told me that they've been great. I did my research and their accounts have quite consistently been in best buy tables I've seen, it also pays interest (unlike my old account at RBS) and they have more branches around - not that I really use them, but it's nice to know they are there. I also liked the everyday offers feature, which said it would give me cashback just shopping as normal if I pay with my Bank of Scotland debit card. You can have these offers "flagged" on your statement too, so that you spot where you could be earning cashback. I did pop in to the branch with a few questions before I opened the account, and the staff were very friendly and helpful. There was a queue at the time, and 2 staff members were helping people skip the queue by showing them how to deposit money in the deposit box/cash machines which I thought was helpful. It meant I was seen much quicker than just joining the line! They also have a linked monthly saver account which looks good, I may open that too (you need a Bank of Scotland current account to have the Monthly Saver account). I did the account opening online, which was very easy to do, and had the decision in minutes. I think the whole process took less than 10 minutes. The card and PIN arrived within 4 days (faster than they said it would). Their mobile banking app is VERY easy to use and looks like it lets you do everything you might need to do. I have just activated my first everyday offer - 5% cashback on shopping in Morrisons. All in all, my experience so far has been very positive, no problems opening the account, and so far, lots of good things about the bank and the account. Reviewed on: 13th June 2017

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

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

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