Smart Money People Logo

Voting in the British bank awards 2026 is open - Vote here

Own this company?
Share this page

Lloyds Bank reviews

Lloyds Bank Logo
Rated Good 3.82/5

Lloyds Bank reviews

Unverified business Last reviewed within 7 days

Review summary

People rate this company as Good based on 2,530 product reviews

Average score of 3.82/5
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 2530 company reviews Last reviewed within 7 days

I had about six different life insurance policies a...

Silver Added Value Account 24th March 2026

I have about six different life insurance policies and was costing me hundreds per month - once I upgraded my basic account to silver account,... I have about six different life insurance policies and was costing me hundreds per month - once I upgraded my basic account to silver account, I was given advice and appointment was made for me to speak with a specialist and do way with the various life insurance policies and now I have one suitable life insurance policy with decent monthly payment. I was also given £500 over draft, which is helping me hugely. Read more Read less

Rated Good 4/5
Read more product reviews

Great account, great app with good rewards

Club Lloyds Current Account 24th March 2026

Great account, great app with good rewards

Rated Excellent 5/5
Read more product reviews
  • 5/5

    Live life with Lloyds alongside.

    Live life with Lloyds alongside. Outstanding customer service, care and support you can bank on in these turbulent times. Lloyds provide a personal, perfect and... Live life with Lloyds alongside. Outstanding customer service, care and support you can bank on in these turbulent times. Lloyds provide a personal, perfect and permanent service which is world renowned and rightly so please don’t delay, join Lloyds bank today Read more Read less

  • 5/5

    Lloyds Club Account Experience

    I have run a Club Lloyds Account for many years and have always received an efficient service. The current account pays a reasonable rate of... I have run a Club Lloyds Account for many years and have always received an efficient service. The current account pays a reasonable rate of interest as do Club Lloyds savings accounts. I had my debit and credit cards stolen whilst abroad this January. One phone call had my cards stopped and replacement cards were waiting for me on return home 5 days later. The fraudulent transactions on my credit card were quickly refunded by Lloyds so well done! Read more Read less

  • 1/5

    They told me they could not give me a mortgage becau...

    They told me they could not give me a mortgage because they did not classify a pension as income. My pension is a Lloyds pension !!

    {"display":"Carlo diana","full_name":"Carlo diana","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Mortgage
    Carlo diana 24th March 2026
  • 5/5

    Very happy with my current account at Lloyds.

    Very happy with my current account at Lloyds. I'm with them for 14 years and I have nothing to complain. The app is easy to... Very happy with my current account at Lloyds. I'm with them for 14 years and I have nothing to complain. The app is easy to use and when someone tried to make some shopping with my card information ( with some lost data from a retailer ), they stopped the sale and inform me immediately. Read more Read less

    {"display":"Ioan","full_name":"Ioan","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Classic Account
    Ioan 24th March 2026
  • 5/5

    Bank on Lloyds

    Such a great bank, they get me and provide me with the best products

  • 5/5

    It’a very good i’m so happy with them

    It’a very good i’m so happy with them

  • 4/5

    Good incentives and app.

    I swapped using a switch incentive. The incentive was generous, and the accompanying saver access was good. The incentives to get me stay are better... I swapped using a switch incentive. The incentive was generous, and the accompanying saver access was good. The incentives to get me stay are better than previous banks I've been with, with a well designed app. Read more Read less

  • 5/5

    A good choice

    I’ve been using lloyds for a few months now, and, it’s been a really positive experience. Getting everything set up was easier than I expected.... I’ve been using lloyds for a few months now, and, it’s been a really positive experience. Getting everything set up was easier than I expected. The benefits of offered by the account are positive and I the app offers good functions. Definitely a solid choice. Read more Read less

  • 3/5

    Not Bad But Not Enough

    I used Lloyds Bank for a really long time, and for the most part it was decent and reliable for everyday banking. It was actually... I used Lloyds Bank for a really long time, and for the most part it was decent and reliable for everyday banking. It was actually my main account for quite a while, so I’ve used it across a range of things like daily spending, transfers, and just general money management. Things started to change when I got a new phone. I tried for a long time to add my card to Apple Pay, but it just would not connect at all, which became extremely inconvenient. I genuinely tried to resolve it properly. I contacted customer service multiple times, went into the branch a couple of times, and spoke with different team members, but no one was really able to fix the issue. It kept getting blamed on the system or interface, which was quite frustrating. When I later looked online, I realised a lot of other people were facing the same problem, so it clearly was not just me, but it still did not seem to be getting resolved. Because of this, and the fact that it has now been almost a year, I have pretty much stopped using Lloyds as my main account and instead just use it as a buffer or backup account. I also feel like they do not really offer much, or at least clearly communicate, when it comes to savings accounts and interest. I did not gain much from it, and that is one of the reasons I started using other banks for savings instead. The app itself is fine, but compared to more modern options like Revolut or Monzo, it feels quite basic and less user friendly. It is not as intuitive, and it can take longer to find things or navigate around. Overall, I think the bank is okay, but my experience has not been the best recently. I have had issues where my debit card gets declined randomly and shows incorrect messages about exceeding limits, even though I do not actively use it anymore. Because of this, I do not feel fully confident relying on it. I used to enjoy banking with Lloyds, but now I mainly keep it as an emergency account. I would consider recommending it, but it definitely would not be my first choice. Read more Read less

    {"display":"IS","full_name":"IS","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Classic Account
    IS 19th March 2026

    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