Smart Money People Logo
Go to business site

Voting in the Consumer credit awards 2026 is open - Vote here

Own this company?
Share this page
Link copied

Lloyds Bank reviews

Lloyds Bank Logo
Rated Good • 3.86/5

Lloyds Bank reviews

Unverified business Last reviewed within 7 days
Write a review

Review summary

People rate this company as Good based on 2,621 product reviews

Average score of 3.86/5
5 star
53%
4 star
17%
3 star
8%
2 star
3%
1 star
19%
Reviews for Lloyds Bank have trended negatively over the past 90 days

Lloyds Bank scores highly for its easy-to-use app, helpful customer service, and solid range of accounts with perks like Disney+ and cinema tickets. Many appreciate the bank’s reliability and security, especially for everyday banking and savings. However, frustrations arise around poor insurance claims handling, rising fees without added benefits, and slow or unhelpful customer support in some cases. Some also find branch closures and app glitches inconvenient.

Positive themes

  • Lloyds Bank app is user-friendly, reliable, and packed with handy features.
  • Customer service at Lloyds Bank is often friendly and quick to help resolve issues.
  • Club Lloyds Current Account offers great perks like Disney+ and cinema tickets.

Negative themes

  • Insurance claims with Lloyds are slow and frustrating with poor communication.
  • Customer service can be rude or unhelpful especially on complex issues or fraud.
  • Fees rise quickly on accounts and insurance with little added value or warning.
Summarised by AI
Was this helpful?

About Lloyds Bank

Lloyds is one of the largest banks in the UK.

The origin of Lloyds goes back to 1765 when iron founder Sampson Lloyd II and button maker John Taylor started Birmingham's first bank, called Taylors & Lloyds. Lloyds Bank is part of Lloyds Banking Group, a UK-based financial services group that also includes Halifax, Bank of Scotland, and Scottish Widows.

Lloyds offer a full range of banking and financial services, through a network of branches, via the app and online.

Lloyds Bank at a glance

Reviews for Lloyds Bank

Showing 11 of 2621 company reviews • Last reviewed within 7 days

Lloyds is a great bank.

Classic Account • 20th April 2026

Lloyds is a great bank. I have been with them for 10 years and have had no issues. Customer service is great and are always... Lloyds is a great bank. I have been with them for 10 years and have had no issues. Customer service is great and are always helpful both in store and online. The app is easy to use and the features of cash back are great Read more Read less

{"display":"Ella D","full_name":"Ella D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Excellent • 5/5
Read more product reviews

Lots of charges

Club Lloyds Current Account • 20th April 2026

No worthy benefits and big daily charges for overdraft with very little support

{"display":"Gareth","full_name":"Gareth","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Poor • 2/5
Read more product reviews
  • 4/5

    Good Savings, Could Earn More

    I chose Lloyds Bank for my savings account because I was already a customer and the setup process was straightforward. Opening the account online was... I chose Lloyds Bank for my savings account because I was already a customer and the setup process was straightforward. Opening the account online was quick and didn’t require much paperwork. The interest rate is reasonable, although not the highest compared to other banks. However, I find the mobile banking app very easy to use, and transferring money between accounts is smooth. Customer service has been generally helpful when I had queries, though response times could sometimes be improved. Overall, I’m satisfied with the account for everyday savings, but I might explore other options for higher interest rates in the future. Read more Read less

    {"display":"MOHAMMAD AKASH","full_name":"MOHAMMAD AKASH","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    eSavings
    MOHAMMAD AKASH 19th April 2026
  • 5/5

    End of switches

    I did do a lot of switches, but I have found a bank I trust in.

    {"display":"Ben","full_name":"Ben","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Good account with good services.

    Good account with good services. Easy and fast refund for completing the requirements for the fee refund. Good bonuses as well. Good UI for the app.

    {"display":"Joshua","full_name":"Joshua","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    1% cashback on all spending excellent transfer rates...

    1% cashback on all spending excellent transfer rates for foreign currencies good easy to use app

    {"display":"Gary Powell","full_name":"Gary Powell","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    No issues whatsoever

    Had this account for the past 11/12 years, no issues whatsoever. Customer service has always been helpful, new cards have been issued quickly, app is... Had this account for the past 11/12 years, no issues whatsoever. Customer service has always been helpful, new cards have been issued quickly, app is very easy to navigate and laid out clearly Read more Read less

    {"display":"Jade","full_name":"Jade","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Classic Account
    Jade 17th April 2026
  • 5/5

    Easy to set up and navigate

    Easy to set up online, very quick simple process, app is easy to nativigate and easy to move money between accounts. Regular updates and notifications,... Easy to set up online, very quick simple process, app is easy to nativigate and easy to move money between accounts. Regular updates and notifications, able to easily review interests rates Read more Read less

    {"display":"Jade","full_name":"Jade","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Easy Saver
    Jade 17th April 2026
  • 5/5

    savings products give interest rates below market norms

    savings products give interest rates below market norms

    {"display":"arthur j","full_name":"arthur j","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4/5

    My experience has been decent, nothing extraordinary...

    My experience has been decent, nothing extraordinary to be honest. Interest rates could be higher, competitors have much higher interest rates and bro banks have... My experience has been decent, nothing extraordinary to be honest. Interest rates could be higher, competitors have much higher interest rates and bro banks have such intuitive features. It would help to have pots like Monzo that payments could be made out of. Read more Read less

    {"display":"Hafiza R","full_name":"Hafiza R","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Classic Account
    Hafiza R 17th April 2026
  • 5/5

    I love my lloyds credit card.

    I love my lloyds credit card. It offers what i need and they keep me informed of changes.

    {"display":"Elizabeth P","full_name":"Elizabeth P","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar

    Products from Lloyds Bank
    Showing products offered by Lloyds Bank

    We are Smart Money People

    Join 2 million active users who make better financial decisions with the power of reviews.

    Create an account

    Protecting trust by verifying companies and reviewers

    The only site that specialises in financial services

    Providing everyday people with a voice