Bank of Scotland For Sole Trader

Business Current Account

Overall Score Attribute Scores Number of Ratings
60%
  • Fair & Clear
  • Value
  • Tailored
  • Available
  • Informative
Average score based on 141 ratings

Products and Services

Product or Service Scores Number of Ratings
Commercial Mortgage
Based on 4 ratings
Loan
Based on 15 ratings
Insurance
Based on 10 ratings
Credit Card
Based on 69 ratings
General Business Support
Based on 19 ratings
Payment & Transaction Services
Based on 9 ratings
Foreign Currency Services
Based on 6 ratings
International Trade Finance & Support
Based on 2 ratings
Merchant Services
Based on 14 ratings
Deposit or Investment Account
Based on 36 ratings

Credit Approachability

Overall Score Number of Ratings
We asked anyone who had approached the bank in the last 12 months (informally or formally) to discuss taking out a loan, overdraft or other form of credit – regardless of the outcome – and how satisfied they were with the way the bank handled this.
Based on 16 ratings

All Comments for Selected Business Size

  1. "It's average." Southern England; Construction
  2. "They are efficient but have poor interest rates." Southern England; Information and Communication
  3. "The service is adequate but I had significant problems in the start up of the account as it took me six months to open." Northern England; Arts, Entertainment and Recreation
  4. "Okay. We have not had any problems with them." Scotland; Construction
  5. "Day-to-day, I am perfectly happy but I am annoyed at the impersonal telephone support for problems." Scotland; Professional, Scientific and Technical Activities
  6. "They are absolutely useless." Northern England; Construction
  7. "Well their service is okay, but I wouldn't say it's fantastic." Northern England; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  8. "It's okay. I've got no complaints. I get free banking." Southern England; Financial and Insurance Activities
  9. "I find the service I need support for satisfactory." Scotland; Professional, Scientific and Technical Activities
  10. "Sufficient banking online. Has good online support." Northern England; Information and Communication
  11. "I think they are adequate." Scotland; Manufacturing
  12. "Generally happy with the services." Southern England; Other Service Activities
  13. "Always wanting your money." Scotland; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
  14. "Adequate to my needs." Northern England; Professional, Scientific and Technical Activities
  15. "First class. Nothing else." Southern England; Financial and Insurance Activities
  16. "It's just a bank they take money for putting money in." Scotland; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
  17. "Very helpful." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  18. "It's adequate for my needs." Northern England; Education
  19. "Adequate as I don't have much interaction with them, so I am fairly neutral about it." Southern England; Information and Communication
  20. "I use online banking. It's very efficient and very easy to use." Wales; Information and Communication
  21. "They charge me too much for their services and I don't like to be charged." Southern England; Construction
  22. "They are perfectly competent." Southern England; Financial and Insurance Activities
  23. "They provide an inefficient banking service." Scotland; Manufacturing
  24. "Comparable with the others in the industry." Southern England; Construction
  25. "It's okay. It just does what I want it to." Southern England; Transportation and storage
  26. "Pretty good. They got better. That's it." Scotland; Construction
  27. "Efficient and friendly." Scotland; Other Service Activities
  28. "They are fairly good." Scotland; Agriculture, Forestry and Fishing
  29. "It's very good." Northern England; Human Health and Social Work Activities
  30. "[I'm] not happy. They are not able to lend me money for some reason which is annoying." Scotland; Real Estate Activities
  31. "It's all done totally online and by post. You can’t go anywhere." Southern England; Human Health and Social Work Activities
  32. "[They're] good." Northern England; Human Health and Social Work Activities
  33. "It's been okay." Northern England; Human Health and Social Work Activities
  34. "I'd just say they are okay." Northern England; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  35. "[It's] competent and reliable." Scotland; Professional, Scientific and Technical Activities
  36. "[It's] rather adequate. It is not outstanding. I have had issues in the past [with] not resolving [problems] on time. It took a long time to resolve it." Southern England; Real Estate Activities
  37. "[It's] a basic service, nothing else." Northern England; Real Estate Activities
  38. "[They're] straightforward and efficient." Southern England; Other Service Activities
  39. "I have very [few] needs from them but when I have an enquiry, they are very good." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  40. "[They're] ruthless on charges." Scotland; Other Service Activities
  41. "[They] can't get things right." Scotland; Information and Communication
  42. "I get a good service and [a] business manager so I don't need to go through a call centre." Scotland; Real Estate Activities
  43. "The service is adequate." Southern England; Real Estate Activities
  44. "Difficult and long winded and also awkward." Northern England; Professional, Scientific and Technical Activities
  45. "They are okay." Northern England; Construction
  46. "It's an efficient service." Scotland; Professional, Scientific and Technical Activities
  47. "Adequate service, but has become very impersonal. Time gone by I had an account manager, but it eventually became a team. [I] never speak to the same person twice. [They] seem very inexperienced. More like call handlers. [They] very rarely resolve [the] issue satisfactorily on the first attempt." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  48. "Expensive." Scotland; Construction
  49. "We don't really get anything extra besides our banking, but we are very happy." Northern England; Human Health and Social Work Activities
  50. "Satisfied all of my needs." Scotland; Professional, Scientific and Technical Activities
  51. "Perfectly reasonable." Scotland; Arts, Entertainment and Recreation
  52. "They are fine whenever I use them. I do not use them much." Southern England; Administrative and Support Service Activities
  53. "Adequate." Scotland; Real Estate Activities
  54. "Been using them for over ten years and have been very reliable." Scotland; Professional, Scientific and Technical Activities
  55. "It is fair. I've had no problems with them." Scotland; Other Service Activities
  56. "Well, I don’t have much to do with them. I just pay cheques in and pay people." Wales; Other Service Activities
  57. "Anything that I've asked them to do, they've done." Scotland; Professional, Scientific and Technical Activities
  58. "The service is just adequate." Scotland; Other Service Activities
  59. "They don't bother me, I just bank with them." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  60. "Minimum." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  61. "They provide an adequate service." Northern England; Other Service Activities
  62. "They weren't bad. They lent me some money when I needed it when I first got the account." Northern England; Other Service Activities
  63. "[It's] perfectly adequate for my needs." Scotland; Professional, Scientific and Technical Activities
  64. "They are satisfactory." Northern England; Other Service Activities
  65. "[It's] appalling." Scotland; Professional, Scientific and Technical Activities
  66. "In the past, appalling anytime I wanted to do anything. All they were interested in me doing was taking out a loan." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  67. "[It's] very straight forward." Scotland; Other Service Activities
  68. "[It's] very dated." Southern England; Construction
  69. "[It's] adequate, above average service. [I'm] hoping they will be there for me in the future." Northern England; Transportation and storage
  70. "[I'm] satisfied with Bank of Scotland." Southern England; Information and Communication
  71. "[They're] just a bank that we use. [They] gave us interest free for a year, so we chose them." Southern England; Other Service Activities
  72. "[It's] standard banking features. I don't really use them for anything else. They are very secure and I've never had any problems with them." Northern England; Professional, Scientific and Technical Activities
  73. "[It's] too expensive." Scotland; Human Health and Social Work Activities
  74. "[It's] excellent." Northern England; Construction
  75. "It's fine because I don't have any problems with them. They are quick on fraud." Southern England; Manufacturing
  76. "Not very helpful or good. When we were in financial problems they did not really help. They made charges for every little thing during recession recently." Northern England; Transportation and storage
  77. "As service expected. That's it." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
  78. "It is a level of service that I access from the bank." Scotland; Administrative and Support Service Activities
  79. "Adequate. They do not make too many mistakes. They used to in the past, but don't seem to now." Southern England; Professional, Scientific and Technical Activities
  80. "I would say it's adequate, but probably not the best." Scotland; Education
  81. "Null." Northern England; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  82. "I go to them through a Halifax branch, as Bank of Scotland hasn't a branch near me. I also deal with a lot over the phone, if I need to ask anything. Over the phone is a positive experience. Generally good advice and information from my advisors." Southern England; Education
  83. "Pretty poor in general." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
  84. "It's adequate and professionally done." Scotland; Agriculture, Forestry and Fishing
  85. "They are there if I need them. I have a Manager I can contact so [I] can always get in touch." Southern England; Professional, Scientific and Technical Activities
  86. "Good service, very straightforward, especially online banking." Southern England; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  87. "[I'm] quite happy, [I've] been with them for years, and they've been helpful." Scotland; Construction
  88. "[They] completely let me down...They took away my overdraft for three weeks." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  89. "It's good. I very rarely need to go into the branch. I only go in if people are paying by cheque." Scotland; Construction
  90. "I think the Bank of Scotland has an average service [for] business customers." Wales; Construction
  91. "I receive a standard service. I have a cheque book and my business account and that is the only dealings I do with Bank of Scotland." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  92. "Yes fine. [They are] prompt in dealing with requests." Southern England; Construction
  93. "It's what I would expect basically." Northern England; Accommodation and Food Service Activities
  94. "Alright. They don't give support. They're just there to make money, like any other bank." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
  95. "Bank of Scotland are providing a good service." Scotland; Manufacturing
  96. "[They're] adequate overall." Southern England; Accommodation and Food Service Activities
  97. "There's always someone there when we need them. They've always supported us when we needed support." Southern England; Construction
  98. "The Bank of Scotland has helped me through some hard times. They are understanding and have always helped me. I have no problems with them. They have helped me a lot." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
  99. "They are adequate." Northern England; Construction
  100. "[They're] abysmal. It's just, the business support isn't good and they had to give me £500 compensation." Scotland; Construction
  101. "[I'm] happy with the service they provide. [I've] not really had any problems with them." Scotland; Arts, Entertainment and Recreation
  102. "[They are] within bounds of what I ask of them. They fulfil my needs well, but I don't have to call on them very often. They supply what I need." Southern England; Other Service Activities
  103. "I'm very happy with it, yes. It's been fine. [I've] never really had any problems. [They're] reliable and efficient." Scotland; Construction
  104. "I don't get much of a service." Scotland; Education
  105. "Quite happy with [the] service over all." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  106. "Excellent service. That's it." Northern England; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  107. "Everything is fine, and the bank does what is needed to do." Scotland; Manufacturing
  108. "[I have] no problem with them." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  109. "Overall, [it] sorts my needs." Southern England; Information and Communication
  110. "Fine, I do no have any problems. That's it." Northern England; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  111. "Adequate, as long as you don't want to see anyone face to face." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  112. "They are okay apart [from] charges as I think they are too high." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  113. "Sufficient." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  114. "It's very good. [It] doesn't bother me and [they] do their job." Southern England; Financial and Insurance Activities
  115. "[I'm] very satisfied thus far." Scotland; Information and Communication
  116. "It's okay, it's just adequate for me." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  117. "It's okay. I'm relatively happy with it but haven't really thought about it." Scotland; Arts, Entertainment and Recreation
  118. "Service is absolutely satisfactory." Scotland; Accommodation and Food Service Activities
  119. "Absolutely no interest in customer services." Scotland; Information and Communication
  120. "Reasonable. They change client manager sometimes and they don't tell you enough." Scotland; Financial and Insurance Activities
  121. "Negligible!" Scotland; Arts, Entertainment and Recreation
  122. "Average. They don't massively help out. Certain times, [they] haven't helped me out." Northern England; Manufacturing
  123. "It suits my needs perfectly, as I only use [the] bank to put finances in and pay bills." Scotland; Professional, Scientific and Technical Activities
  124. "They do the job." Northern England; Arts, Entertainment and Recreation
  125. "Fine, I don't know, nothing specific. They're good, they're fine." Scotland; Arts, Entertainment and Recreation
  126. "I have very little interaction with them. I haven't been approached to be offered any additional services, which I think is quite unusual. I think I'd probably like more communication with them. They don't contact me unless they're actively chased up. I don't even think they know I exist!" Scotland; Administrative and Support Service Activities
  127. "We had an overdraft but they started to charge us £100 just to look at the figures! There tend to be a lot of leaflets, but I don't like to do business over the phone. As long as the banks don't phone me, I'm happy." Scotland; Arts, Entertainment and Recreation
  128. "[It's] perfectly adequate for our business needs." Southern England; Other Service Activities
  129. "It is a very good service." Scotland; Other Service Activities
  130. "[It's] adequate." Southern England; Education
  131. "[It's] very good. I'm pleased with it." Scotland; Arts, Entertainment and Recreation
  132. "Efficient and serves my simple needs, though I'd prefer [if] it was free." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  133. "[It's] reasonable. Because I use telephone banking, it's always easy to get in touch." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  134. "It is okay. Fair." Scotland; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
  135. "[It is] very good. [I'm] satisfied." Southern England; Real Estate Activities
  136. "Very satisfactory because I find them helpful and I am happy with them." Scotland; Other Service Activities
  137. "Adequate service. They supply just what I want, I need the chip and pin. They do what they do and [I] get what they advertise." Southern England; Human Health and Social Work Activities
  138. "[It's] adequate. They do what I ask them to do." Scotland; Construction
  139. "It's pretty adequate." Northern England; Human Health and Social Work Activities
  140. "They do very little for me [and] I ask very little from them." Scotland; Information and Communication
  141. "Excellent." Scotland; Professional, Scientific and Technical Activities
  142. "I would say that the service is reasonably satisfactory, but not as satisfactory as it was five years ago, as they are much less remote and less personal as communication is through telephone/email. Therefore they do not know you as well as they did formerly." Northern England; Agriculture, Forestry and Fishing
  143. "They're non-existent. I've been banking with them for ten years and I've never had a call from my business advisor." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  144. "Adequate." Southern England; Professional, Scientific and Technical Activities
  145. "I think the service I receive from the Bank of Scotland is adequate." Scotland; Accommodation and Food Service Activities
  146. "Very friendly, efficient and very helpful." Scotland; Agriculture, Forestry and Fishing
  147. "They are okay." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  148. "It's a reasonable service." Scotland; Construction
  149. "Adequate." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  150. "I don't trust them. When they asked me to open the account, they made me big promises and then slowly pulled the rug out [from under me]. They gave me £5,000 overdraft, then reduced it to £1,500, and still want to cut it down. I don't know how they can do business like that." Southern England; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  151. "Really happy." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  152. "Fairly good. No problems with them over the years." Scotland; Transportation and storage
  153. "It's fragmented." Scotland; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  154. "Absolutely diabolical." Scotland; Other Service Activities
  155. "They're helpful." Northern England; Accommodation and Food Service Activities
  156. "Poor, could do with a better approach to customers." Southern England; Professional, Scientific and Technical Activities
  157. "Simple and cost effective." Northern Ireland; Information and Communication
  158. "They are responsive when you want to hear from them. As far as I am concerned they are not hovering over you all the time." Northern England; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  159. "Bank of Scotland give me all that I require." Scotland; Professional, Scientific and Technical Activities
  160. "Excellent, because my needs are limited, but they are a very fast company." Southern England; Professional, Scientific and Technical Activities
  161. "Minimal." Northern England; Other Service Activities
  162. "I have an online account. No support given, which is the downside." Scotland; Professional, Scientific and Technical Activities
  163. "Satisfactory for my business size." Scotland; Manufacturing
  164. "They are fine and I am a small operation, so I deal with my local bank around the corner. It is handy for that. If I need anything, I just pop round." Scotland; Professional, Scientific and Technical Activities
  165. "Very poor." Scotland; Professional, Scientific and Technical Activities
  166. "Adequate for what I need." Northern England; Construction
  167. "Traditional banking services." Scotland; Administrative and Support Service Activities
  168. "Minimum support." Southern England; Human Health and Social Work Activities
  169. "Hands-off." Southern England; Other Service Activities
  170. "Bank of Scotland has good internet services but I have not tested it for a loan so cannot fully comment." Southern England; Wholesale and Retail trade, Repair of motor vehicles or motorcycles
  171. "Meets my needs." Scotland; Transportation and storage
  172. "It's set for my use." Scotland; Professional, Scientific and Technical Activities