Smart Money People Logo

Voting in the Consumer credit awards 2025 is open - Vote here

Own this company?
Share this page

Bank of Scotland reviews

Bank of Scotland Logo
Rated Good 3.50/5

Bank of Scotland reviews

This business hasn't yet registered to manage and respond to reviews on their page. Own this business?. Find out how to register here

Unverified business
Last reviewed within 14 days
  • FCA approved and regulated
    FCA approved and regulated
  • Has branches you can visit in-person
    Has branches you can visit in-person
  • Offers in-person appointments
    Offers in-person appointments
  • Provides paperless statements and documents
    Provides paperless statements and documents

Review summary

People rate this company as Good based on 302 product reviews

Average score of 3.50/5
5 star
48%
4 star
20%
3 star
9%
2 star
7%
1 star
16%
Reviews for Bank of Scotland have trended negatively over the past 90 days

Latest positive rating

5/5

Good Current Account Product

Happy with my account and add ons you get with it. Also have a good online banking service with it. Getting Credit Interest which is a bonus.

{"display":"Peter O","full_name":"Peter O","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Vantage Account
Peter O 18th April 2025

Latest negative rating

1/5

Rip-off on renewal

Insurance premiums have dropped around 18% over the past year and yet they were increasing my premium by more than 42%. If you include the... Insurance premiums have dropped around 18% over the past year and yet they were increasing my premium by more than 42%. If you include the expected 18% drop, they were trying to charge me at least 60% more than the going rate. Read more Read less

{"display":"Steve","full_name":"Steve","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Car insurance
Steve 18th April 2025

About Bank of Scotland

Bank of Scotland is a retail and commercial bank.

Bank of Scotland was founded in 1695 and is Scotland’s oldest bank. It is still based in Edinburgh today and is part of the Lloyds Banking Group.

Bank of Scotland offer a wide range of products including current accounts, loans, credit cards, mortgages, savings, investments and insurance.

Bank of Scotland at a glance

Contact details

Social media

Reviews for Bank of Scotland

Showing 11 of 302 company reviews Last reviewed within 14 days

Good Current Account Product

Vantage Account 18th April 2025

Happy with my account and add ons you get with it. Also have a good online banking service with it. Getting Credit Interest which is a bonus.

Rated Excellent 5/5
Read more product reviews

Rip-off on renewal

Car insurance 18th April 2025

Insurance premiums have dropped around 18% over the past year and yet they were increasing my premium by more than 42%. If you include the... Insurance premiums have dropped around 18% over the past year and yet they were increasing my premium by more than 42%. If you include the expected 18% drop, they were trying to charge me at least 60% more than the going rate. Read more Read less

Rated Terrible 1/5
Read more product reviews
  • 5/5

    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 stress-free.

  • 1/5

    They are closing my local branch in Barrhead the old...

    They are closing my local branch in Barrhead the old bank in town and it is used mainly by the older generations who now have... They are closing my local branch in Barrhead the old bank in town and it is used mainly by the older generations who now have to travel to the nearest bank with no bus route available They do not even reply to letters I have sent They have also removed their treasurers account for small local clubs and are treating us as a business and charging us for putting money in or taking our money out and cheques arentoo expensive to use Read more Read less

  • 2/5

    Not good rates but good customer service which is a...

    Not good rates but good customer service which is a plus

    {"display":"Dan-","full_name":"Dan-","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Classic Account
    Dan- 13th March 2025
  • 1/5

    They refused to transfer the policy onto another car.

    After my car went on fire I purchased another car. BOS refused to transfer the policy even though it had six months to run. Their... After my car went on fire I purchased another car. BOS refused to transfer the policy even though it had six months to run. Their preference was to cancel the policy and refund me with NOTHING. They then offered me a new policy at a higher cost. Darren Clarke was a waste of space and would not listen to my complaint. I had written to Darren laying out my complaint. When he phoned me (as per their promise) he had not even read my letter. I will never use BOS to insure my car again. Read more Read less

    {"display":"Ian J","full_name":"Ian J","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car insurance
    Ian J 10th March 2025
  • 5/5

    Great bank

    Very informative and helpfull staff whenever I have a query.

  • 3/5

    They are very friendly bank

    They are very friendly and good with dealing with money problems

    {"display":"Eva Gunn","full_name":"Eva Gunn","avatar":{"url":"\/assets\/uploads\/avatars\/users\/692223.png"}}'s avatar
    Cash Account
    Eva Gunn 6th March 2025
  • 5/5

    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... 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 Bank. Competitive in every way, but their customer service has always been the main benefit. From Business banking to personal banking, mortgage to insurance, they are always on hand to help. I have never had a bad experience. Cannot recommend them more. Read more Read less

    {"display":"Chris S","full_name":"Chris S","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Classic Account
    Chris S 27th February 2025
  • 5/5

    Excellent

    The staff are very helpful and understanding if you have a problem helping you understanding any problem you may have and explaining it so you... The staff are very helpful and understanding if you have a problem helping you understanding any problem you may have and explaining it so you know what you need to do Read more Read less

  • 5/5

    5 years of fabulousness!

    I have been with bank of Scotland for five years now. I have had a secondary bank account with other banks in between. I always... I have been with bank of Scotland for five years now. I have had a secondary bank account with other banks in between. I always trust that bank of Scotland has the best intentions for me and my money. Overall, I feel very secure having bank of Scotland as my main banking provider and won’t be swapping from them anytime soon. Read more Read less

    {"display":"lds","full_name":"lds","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Classic Account
    lds 26th February 2025

    Products from Bank of Scotland

    Showing products offered by Bank of Scotland

    We are Smart Money People

    Join 2 million active users who make better financial decisions with the power of reviews.

    Create an account

    Protecting trust by verifying companies and reviewers

    The only site that specialises in financial services

    Providing everyday people with a voice