Good4

52% of customers recommended from 433 ratings

Most of their banking and savings accounts can now be managed online. They provide a full range of banking and insurance products, as well as investment and online trading offers as well.

Bank of Scotland Current Accounts

Read customer opinions on Bank of Scotland Current Accounts reviews.

Bank of Scotland Business Current Account (Bus Extra Tariff)
Account Fee & Requirements
£5
Overdraft
variable EAR
Headline Interest
0% AER
Bank of Scotland Classic Account
Account Fee & Requirements
No monthly fee
Overdraft
£25 interest
& fee free, then 19.94% EAR
+ £6/month
Headline Interest
0% AER
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 19.94% EAR (variable) + £6 per month.
Bank of Scotland Classic Account with Control
Account Fee & Requirements
£10 a month
Overdraft
£25 interest
& fee free, then 19.94% EAR
+ £6/month
Headline Interest
0% AER
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 19.94% EAR (variable) + £6 per month.

money.co.uk, Dot Zinc Limited, 160 Fleet Street,London. EC4A 2DQ. We are a Credit Broker for all consumer credit products listed on money.co.uk.

Bank of Scotland Credit Cards

Read customer opinions on Bank of Scotland Credit Cards reviews.

Bank of Scotland Platinum Balance Transfer Card (33 Mths)
Balance Transfers
0% for 33 months
2.85% fee
Purchases
0% for 6 months
Representative APR (variable)
18.9% APR
Standard balance transfer fee of 2.85% applies on balances transferred within the first 90 days of opening the account, 3% fee applies thereafter.
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Bank of Scotland Platinum Balance Transfer Card (10 Mths)
Balance Transfers
0% for 10 months
0.4% fee
Purchases
0% for 10 months
Representative APR (variable)
18.9% APR
Balance transfer fee refund - refunds part of a 3% fee so overall a 0.70% fee is payable.
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Bank of Scotland Platinum Balance Transfer Card (18 Mths)
Balance Transfers
0% for 18 months
2% fee
Purchases
0% for 16 months
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable). So if you borrow £1,200 the Representative APR will be 18.9% APR (variable).

money.co.uk, Dot Zinc Limited, 160 Fleet Street,London. EC4A 2DQ. We are a Credit Broker for all consumer credit products listed on money.co.uk.

Bank of Scotland Savings

Read customer opinions on Bank of Scotland Savings reviews.

Investment ISAs are tax-efficient wrappers for long term investments. You may get back less than you pay in because your capital isn't guaranteed and charges may apply. Your personal circumstances will determine how much tax you pay on your investments and returns; tax laws may change.

Bank of Scotland Young Saver
Account Type
Instant Access
Open With
£1.00
Interest Rate (AER)
3% variable
on £1+
Protection Scheme
FSCS
Open Account
Branch
Available in branch only.
Bank of Scotland Junior Cash ISA
Account Type
Junior Cash ISA
Open With
£1.00
Interest Rate (AER)
3% variable
on £1+
Protection Scheme
FSCS
Open Account
Branch
Available in branch only.
Bank of Scotland Monthly Saver
Account Type
Regular Saver
Open With
£25.00
Interest Rate (AER)
2% fixed
for 1 year
on £25+
Protection Scheme
FSCS
Open Account
Online, Branch & Phone

Bank of Scotland Loans

Read customer opinions on Bank of Scotland Loans reviews.

Bank of Scotland Flexible Loan (£7.5K-£25K) Ex/C
Loan Type
Unsecured
Loan Amount
£7,500 to £25,000
Representative APR
5.4% APR
(£7,500 to £25,000)
Loan Term
1 year to 7 years
Available to existing customers only.
Representative Example: The Representative APR is 5.4% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 5.4% p.a. (fixed) you will repay £231.52 per month & £11,112.96 in total.
Bank of Scotland Flexible Loan (£1K-£25K) Ex/C
Loan Type
Unsecured
Loan Amount
£1,000 to £25,000
Representative APR
5.4% APR
(£7,500 to £25,000)
Loan Term
1 year to 7 years
Available to existing customers only.
Representative Example: The Representative APR is 12.9% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 12.9% p.a. (fixed) you will repay £231.52 per month & £11,112.96 in total.

money.co.uk, Dot Zinc Limited, 160 Fleet Street,London. EC4A 2DQ. We are a Credit Broker for all consumer credit products listed on money.co.uk.

Bank of Scotland Mortgages

Read customer opinions on Bank of Scotland Mortgages reviews.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Bank of Scotland 2 Year 3.59% Fixed No Fee >300k
Maximum LTV
75%
Initial Rate
3.59% fixed
until 30 Apr 2017
Subsequent Rate
4.95%
Overall Cost for Comparison
4.8% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
Bank of Scotland 2 Year 3.79% Fixed No Fee
Maximum LTV
75%
Initial Rate
3.79% fixed
until 30 Apr 2017
Subsequent Rate
4.95%
Overall Cost for Comparison
4.8% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
Bank of Scotland 2 Year 3.79% Fixed No Fee >300k
Maximum LTV
120%
Initial Rate
3.79% fixed
until 30 Apr 2017
Subsequent Rate
4.95%
Overall Cost for Comparison
4.8% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.

Bank of Scotland Reviews

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Used Bank of Scotland? Tell us about your experience because it will help others. Add a review.

Very happy with Bank of Scotland

Good

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by josoap

Customer service is great, not had any problems with the Bank of Scotland. Staff are very friendly and helpful. I didn't receive my new card before my old one expired which was inconvenient but the problem was easily rectified and This May have been due to my recent change of address but staff were happy to help and I've not had any other issues.

by josoap, 2 months ago report review

The Bank Of Scotland

Good

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by lauren21

Very friendly and brilliant service. It is a very good bank to have your accounts in, or even a credit card. They ask you a couple of questions of how you would like it but also keep you interested and not bored. It does have some bonuses but there could be more. I have had my account for quite a long time and probably have a lot, lot of customers. They are joined with Halifax but have took The Bank Of Scotland name and the Halifax logo. I would strongly recommend the Bank Of Scotland to other people as it is brilliant and does not let you down.

Brilliant Service

Give your more bonuses

by lauren21, 2 months ago report review

Stay well clear of them.

Satisfactory

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

I have been with Bank of Scotland over 10 years and was advised that getting a Ultimate Reward Account would save me about £40 a month but then i found out it was a lie and now instead of £30 in fees i now pay roughly £75 a month on bank charges, staff wasn't interested and told me to look at the small print, sooner i get away from them the better, really bad but i expected this from a company that owns TSB, i can't even go into a Halifax to pay bills and both seperate now

by bjorky, 2 months ago report review

Bank of Scotland Hamilton

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by marjor32

I have been with this bank for 36 years since I moved to Hamilton, South Lanarkshire in 1976. I have never needed to complain about anything and the service has always been good and the staff very pleasant, friendly and helpful. I chose it originally because it was situated in a good position next to the bus station where I get my bus but I am glad I did and I would recommend it to anyone.

Handiness, familiarity and service

by marjor32, 2 months ago report review

Current account with monthly cash back

Good

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by linsay

I like this account as I get £5 per month for paying in £1000 or more each month which is more than I get in savings interest. They offer cash back deals with certain retailers although I've yet to use this yet as they haven't been places I go to. Their overdraft fees are high but you have a days grace to ensure money is in the account before incurring charges

Cash back

High charges

by linsay, 2 months ago report review

Bank of Scotland Preference.

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by EMT

I would recommend The Bank of Scotland. Their Customer Services team have been exemplary in any situation that required professional friendly assistance. There many branches are modern and have all up to date depositing machines and their online facilities are easily accessible. Cheques are still accepted which is a plus. Security paramount and staff well trained polite and helpful. I am happy with my current account account being with the above provider and have been so for a number of years.

On line banking easy to follow.

by EMT, 2 months ago report review

so handy to use

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by anita_

I have only traded a few times in the past few years so can only go on what happened then-I had absolutely no problems with buying or selling shares, everything went through smoothly & any hiccups were sorted out without any hassle-really no more to say but would recommend them to anyone-not a lot more to say on the subject

by anita_, 2 months ago report review

Bank of scotland one of the best

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by merris

I have been with BOS for 16 years and have always found that the over the counter staff and telephone staff extremely helpful. Also no long waits on the phone to call centres. Great internet banking very secure as asks few security questions. Great range of products ranging from credit cards to mortgages..Help to buy is a great mortgage product especially for 1st time buyers

Customer service, speedy service

by merris, 2 months ago report review

informal, friendly, helpful bank.

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by barjay

Customer service is excellent. The bank I use has very friendly, helpful, obliging staff. Always smiling and cheerful. Makes visiting the bank a pleasant experience. I have been with the Bank of Scotland for several years, was not the result of a search, I just went to the bank and opened an account, no problems. I am certainly happy with the bank and would wholeheartedly recommend it.

friendly, informal bank.

distance from where I live.

by barjay, 1 month ago report review

BoS current acc review

Satisfactory

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by hopey5

Since Halifax became involved the service has become less customer friendly. I have held acc. since 1984 so am a loyal customer which does not count for much these days. I would suggest that there are better accounts but there is nothing wrong with the account as such. useful internet service. £5 reward each month for the account I have - not sure if it is still available to new customers

branch close by

always trying to sell you products

by hopey5, 2 months ago report review