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Home > Finance > Banking & Personal Finance > Banks > Bank of Scotland

User Reviews

for Bank of Scotland

Rating Summary based on 34 reviews

  • 5 Stars
    		7
  • 4 Stars
    		6
  • 3 Stars
    		3
  • 2 Stars
    		6
  • 1 Star
    		12

Detailed rating

  • Additional Charges
  • Competitiveness of APR
  • Ease of Application
  • Product package
  • Quality of Customer Service
  		• 1.4
  		• 2.3
  		• 2.4
  		• 1.9
  		• 1.4

Review attribute filters

Previous page Next page Page 1 of 4 | 1 to 10 out of 34 Review(s)
  • 55 of 55 Ciao users found the following review helpful
    Picture of ScottishWestie

    ScottishWestie

    4 Stars Suprisingly good! 07/04/2008
    User recommends the product

    Advantages Advantages Generous interest, good facilities, better than I expected

    Disadvantages Disadvantages Some staff have poor product knowledge

    What does customer loyalty mean to a bank? In my expierence, nothing. In a recent BBC Watchdog survey on banks they listed the best & worst performers, not surprisingly the best known UK banks performed rather poorly & that included the Bank of Scotland, part of Halifax Bank of Scotland or HBOS for short. Courtesy of the BBC the final results read: (Percentage figure is the amount of customers satisfied) 1, First Direct 87.2% 2, Smile 81.8% 3, Co-op Bank 73.9% 4, Royal Bank of Scotland 51.3% 5, Nationwide 47.9% 6, Yorkshire Bank 43.3% 7, Clydesdale Bank 38.2% 8, Alliance & Leicester 36.13 9 ... more
  • 77 of 79 Ciao users found the following review helpful
    Picture of ariadne

    ariadne

    1 Star BOS Est Mort - Vive HBOS? 29/11/2001
    User doesn't recommend the product

    Advantages Advantages Reasonable service for Halifax customers

    Disadvantages Disadvantages Bad news for Bank of Scotland customers

    Once upon a time there was a charming bank called Bank of Scotland, which really cared about customer service... Bank of Scotland merged with Halifax to create HBOS. Before the merger, we were reassured that nothing major would change, accounts and services would not be affected, and generally life would go on as we knew it. What actually happened pains me greatly as, up till the merger changes, Bank of Scotland was one of my favourite banks. Non-Branch Based Banking The last Bank of Scotland account I opened was a sort of two-in-one 'Banking Direct' linked current account and instant access ... more
  • 7 of 7 Ciao users found the following review helpful
    Picture of ronniec

    ronniec

    4 Stars Scot-er-land, Scot-er-land, Scot-er-land... 09/11/2000
    User recommends the product

    Advantages Advantages It does exactly what it says on the tin. Good customer service, great account card.

    Disadvantages Disadvantages Haven't experienced any.

    Who'd have ever though a devout Anglophile such as myself would ever even consider the sacriligous act of joining a foreign bank. English money should stay in English hands! Queen and country need it to conquer the Boers! Well, maybe I'm not that staunchly patriotic. The Skipton was the closest I ever got to an off-shore bank account before I joined the Bank of Scotland. I've been with them for over six months now, and on the whole, my experience has been good. For a student, there are three things about a bank account that you want to see: stupidly large overdraft limits, bank managers with ... more
  • 46 of 46 Ciao users found the following review helpful
    Picture of polli

    polli

    1 Star Lazy, lying staff and huge charges 23/06/2002
    User doesn't recommend the product

    Advantages Advantages guess it's safer than keeping it in a mattress, just.

    Disadvantages Disadvantages Lying branch staff, horrendous charges

    Well, where to begin? First off this is not the most comprehensive op that you will ever read. I am not going to cover the banks offers, interest rates or anything, this is purely on customer service and more specifically, my experiences of it. I have been with the Bank of Scotland for as long as I can remember, probably about 18 years, however I am about to close my account because I have become increasingly annoyed with their treatment of me as a customer. My home branch is Portobello in Edinburgh and I only did my banking there until I left home and moved in to the centre of town. The first ... more
  • 75 of 75 Ciao users found the following review helpful
    Picture of tartantribe

    tartantribe

    3 Stars THE SEVEN YEAR ITCH 20/02/2002
    User recommends the product

    Advantages Advantages Basically works OK for me, internet banking

    Disadvantages Disadvantages I'm not exactly in love with the service

    Ah, Bank of Scotland and me. The ultimate love/hate relationship, except without, you know, the love. Actually, I liken it more to a marriage of convenience, complete with the 7 year itch. I think about leaving, often, but I never quite work up the energy. And just as I am about to finally pack my moneybags and split, something happens to keep me hanging on. I really have banked with BoS for 7 years- ever since I moved to Scotland. In that time, I have experimented with a few interesting variations on the old current account. At one point I had so many different kinds of accounts that I could ... more
  • 47 of 47 Ciao users found the following review helpful
    Picture of Champ666

    Level 7 Champ666

    Member since 01/01/0001

    Reviews written: 383

    1 Star A Feind For Life 05/07/2004
    User doesn't recommend the product

    Advantages Advantages It is a Bank

    Disadvantages Disadvantages Run by a Building Society

    I have been banking with the same branch of the Bank of Scotland since 1994, when I was going through my second stint at University. I opened the account as the branch was closest to my University and It was not a Building Society. In my opinion Building Societies know nothing about current accounts and should leave them well alone. For years I have great service, I could walk into the bank and speak to the staff about a whole range of financial products. The telephone banking service was superb, meaning that when I relocated to start a new job I could do things like arrange overdrafts, car ... more
  • 13 of 13 Ciao users found the following review helpful
    Picture of hmck

    hmck

    4 Stars a no-frills banking facilty 13/03/2001
    User recommends the product

    Advantages Advantages does not have to be local with 'phone & internet

    Disadvantages Disadvantages mainly historic baggage - currently excellent

    I joined the Bank of Scotland more than 20 years ago. And although I have tried many other banks along the way, I've always maintained an account (of sorts) with them. Currently my wife and I use their chequeplus current account, their internet savings account and their visa account. The internet service is good if not spectacular. You can quickly see the state of all three accounts and transfer money between the current and savings accounts but NOT to the visa account. I thought this a real turn off but, having used their ‘phone banking system, I am delighted at how easy (and quick) it ... more
  • 3 of 3 Ciao users found the following review helpful
    Picture of REG

    REG

    3 Stars Its a Hoots man! 12/08/2000
    User doesn't recommend the product
    I quite lke the Bank of Scotland in many ways. They have a comfortable feel about them and have impressed me with some quite innovative ideas. I think they were pretty clever with their idea of running smaller banking organisations using their own back up facilities. It has made them a force to recognised. However, I am not so sure about their professionalism and expertise which boils down to staff and staff training or general policy. I have found them wanting when reuiring something a little different from the norm and they did let me down recently when I applied for a fixed rate bond. I did ... more
  • 22 of 22 Ciao users found the following review helpful
    Picture of rvb13

    rvb13

    2 Stars Blatant ignorance of my humanity 09/07/2001
    User doesn't recommend the product

    Advantages Advantages ZERO

    Disadvantages Disadvantages MORE THAN ZERO

    I'm sorry but I just want to beef about my bank or soon to be ex-bank. I am tired of their lack of sympathy and coldly uninterested slant on me as a human being. I am just a number and a small number at that. I have been a member of this bank for 13 years; a faceless member who can't even remember the last time I was in the branch. The only communication I get is a statement every month or a vacantly unhelpful letter about an out of the blue overdraft. My credit card bill was mistakenly paid in full via direct debit and I went well into the wrong colour. No phone call, no examination of my ... more
  • 0 of 0 Ciao users found the following review helpful
    Picture of chicco

    chicco

    3 Stars To slow 31/08/2000
    User doesn't recommend the product

    Advantages Advantages modern looking

    Disadvantages Disadvantages clearning checks take to long

    I chose to have a bank of Scotland account 2yrs ago when i was at college, so it was a students accout. After going back to college this year I put in my check on the Wednesday and went in the following Wednesday because I couldn't get money out of my account through thier cash machines only to find out that it hadn't cleared yet. Which I found rather annoying as I have two children to keep on my own. I find 6 working days rather a long time to wait to clear a check, especially on a students account. I was lucky because I went in around 1:30pm I was allowed to get some money out but thier ... more
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