Bank of Scotland Complaints
Bank of Scotland receives more complaints than most banks.
What customers experience
Bank of Scotland received 163,910 complaints in the 2025-07-01 to 2025-12-31 reporting period -- that is roughly 2.5 complaints per 1,000 accounts, which is below the sector average of 8.1. Compared to other banks, Bank of Scotland receives fewer complaints per customer.
Total Complaints
163,910
In 2025-07-01 to 2025-12-31
Rate (per 1,000 accounts)
2.5 →
Sector Average
8.1
per 1,000 accounts
Complaints by Product
| Product ↕ | Complaints ↕ | Share |
|---|---|---|
| Banking and credit cards | 132,002 | 80.5% |
| Home finance | 24,057 | 14.7% |
| Insurance & pure protection | 343 | 0.2% |
| Investments | 60 | 0.0% |
| Decumulation & pensions | 23 | 0.0% |
How does Bank of Scotland compare?
Complaint rate per 1,000 accounts
Bottom Line
Bank of Scotland receives more complaints than most banks, which is worth knowing if you are thinking about switching. Existing customers who have had problems should know that the data backs up their experience -- you are not being unreasonable. Consider using our complaint letter generator below.
About This Data
Data sourced from official UK regulators for the period 2025-07-01 to 2025-12-31. Complaint rates are calculated per 1,000 accounts. Ombudsman uphold rate from the Financial Ombudsman Service. Full methodology