Bank of scotland has been with me since I was about 9 year old putting in my first pound, but I never really knew it could be so useful until now. I am student studying HNC music in Dundee hopefully on to do RSMAD but last year was a real terrible year as I could not get a job and as I had done an NC before I was not able to get a bursary/loan for this years NC course with me? good! So I was getting my course fee's paid for me from the nice people at the job centre so I decided to go for it coz I thought I'll not need much money. WRONG! you need lots of money to be student coz you need to pay for your materials, books, travel expenses, board money and of course the well needed social life after the work you do, so living of off nothing I decided to give the bank of scotland a try thinking I would get a no. The bank were really friendly and I sat down to face a girl that knew what I was going through and was really willing to help me (although you get some moans sometimes but you wait until you get the nice ones!) and with that I had a really happy year last year and now I have a loan this year I'm not paying it back all together, coz I have to live! I'm paying it back in monthly installments which is easier
Bank of Scotland was where I went for my first bank account and it has been a joy to use. The set-up my account quickly and it was a very painless process, which instantly granted me access to an interest free overdraft and a switch card. They never charge you to use an ATM or a cheque and charges for going past your overdraft or making a purchase beyond your means on your switch are very low compared to other banks. I've never had a problem with extending my overdraft or changing direct debits from my account and the staff are always pleasant and courteous, although bank policy seems to change between staff members it seems that no problem is too difficult to resolve Anyone looking for a bank account with low or non-existent charges without hassles should definitely check them out.
I have been a customer of the Bank of Scotland since going to secondary school, and up until going to university they did everything I could possibly want. I then stayed with them for thefour years of my course, but have become less impressed with their service as the years have gone by. From what I have heard of other students banking tales the BoS is better than quite a lot of the English banks in terms of giving you a good overdraft limit and not really impossing any charges. They also have quite a good telephone banking service, which has dealt with several of my last minute dashes to pay the bills. There are seveal major failings however, despite being one of the first to offer banking by PC with their HOBS system several years ago, their internet banking is not very good. The functions which your are given are really quite basic and you still need to either go into the bank or use the phone to sort out a lot of things. I have had a couple of problems with my home branch being in a different city from the ones I was using, for example it is not possible to cancel a direct debit in any branch apart fom your local one. It is possible to use telephone banking to do this, but the woman wanted to know the direct debit id number and was not very willing to accept the company it was being paid to. The main problem I have found however is that you only get a switch and not cirrus, and so I could not use my card abroad. It seems strange that a bank which allows you to get your money out of any bank in the UK has absolutely no deals with banks internationally. In all the bank is not bad if you are planning on staying in the UK all the time as they don't charge you for taking money out of cash machines or anything. I would however recommend that people use the Royal Bank of Scotland instead as what they are offering is at least as good and you get cirrus and a good internet banking service.