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Lloyds Bank reviews

Lloyds Bank Logo
Rated Good • 4.07/5

Lloyds Bank reviews

Unverified business Last reviewed within 7 days
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  • Has branches you can visit in-person
    Has branches you can visit in-person
  • Offers in-person appointments
    Offers in-person appointments
  • Manage your account or policy via an app or website
    Manage your account or policy via an app or website
  • Provides free financial planning calculators, guides and tools
    Provides free financial planning calculators, guides and tools

Review summary

People rate this company as Good based on 2,654 product reviews

Average score of 4.07/5
5 star
54%
4 star
17%
3 star
8%
2 star
3%
1 star
18%
Reviews for Lloyds Bank have trended negatively over the past 90 days

Lloyds Bank offers solid, reliable banking with easy-to-use apps and helpful staff across many products like Classic Account, Club Lloyds current account, and credit cards. The Club Lloyds perks and cashback credit cards stand out for value. However, many find their insurance services frustrating, with poor claims handling and rising fees. Branch closures and app limitations also cause irritation.

Positive themes

  • Lloyds Bank’s customer service is friendly, helpful, and listens well across many products.
  • The Club Lloyds current account offers great perks like free cinema tickets and Disney+.
  • Lloyds Bank’s apps are easy to use and make managing accounts straightforward.

Negative themes

  • Lloyds Bank’s car and home insurance claims service is slow and often unhelpful.
  • Branch closures and limited phone support make banking with Lloyds frustrating for some.
  • Some customers find fees high and savings interest rates low compared to other banks.
Summarised by AI
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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

Contact details

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Reviews for Lloyds Bank

Showing 11 of 2654 company reviews • Last reviewed within 7 days

I visited the Lloyds Bank Kilburn branch to deal wit...

Classic Account • 1st July 2026

I visited the Lloyds Bank Kilburn branch to deal with a Court of Protection matter for my mother. I explained my situation clearly when I... I visited the Lloyds Bank Kilburn branch to deal with a Court of Protection matter for my mother. I explained my situation clearly when I checked in at around 10:30am and was told there were two customers ahead of me. I waited patiently for an hour. After the second customer left, a staff member who identified himself as Tony James came out, looked at the list, and announced he would only deal with “short enquiries.” At no point before this was I informed there were separate queues for short and long enquiries. Despite my long wait, I was ignored and another customer was served before me instead. At around 12:05pm, Tony finally called my name. When I asked why my enquiry could suddenly be handled now, he replied arrogantly that his colleague dealing with “long enquiries” was taking too long, so he would help me instead. There was no apology for the delay or for skipping me earlier, as if he was given me mercy. He then asked me to sit back down on a dirty customer chair and later returned with only a phone number on a piece of paper, telling me to call instead. This was unacceptable after making me wait for over 90 minutes. If the branch could not handle Court of Protection matters, I should have been told immediately when I logged in, instead of being left waiting unnecessarily. When I complained about the poor treatment, Tony appeared unwilling to listen and asked me to leave the branch. When I asked why, as my issue had still not been properly handled and no apology had been offered, he threatened to call the police. Both he and the security guard came towards me and raised their voices and told me to leave. I chose to leave because the environment felt hostile, intimidating, and deeply unprofessional. (Most importantly there was no point to continue waste a min in that branch for the rude treatment) What made this experience worse is that earlier the same morning I received excellent service at HSBC, where my enquiry was handled professionally within 45 minutes. I also visited NatWest afterwards, and despite lunchtime queues, their staff assisted me efficiently and respectfully within another 30 minutes. The contrast in customer service was very clear. I found the behaviour at Lloyds Bank Kilburn rude, dismissive, and intimidating. As a Chinese female customer, I felt ignored and unfairly treated. I was also concerned by the aggressive attitude shown when I questioned the service I received. In addition, the seating area in the branch was extremely dirty and unhygienic. The chairs and sofas appeared poorly maintained, and I had no choice but to sit there for a long period while waiting. I have attached photographs of the flee bites on my skin that caused by these chairs… Read more Read less

{"display":"Jia Ma","full_name":"Jia Ma","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1689449.png"}}'s avatar
Rated Terrible • 1.00/5
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Credit card

Cashback credit card • 18th June 2026

They provide decent incentives and cashback on thier credit card

{"display":"Anthony","full_name":"Anthony","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Rated Good • 4.00/5
Read more product reviews
  • 5.00/5

    A decent bank account with some rewards at a reasona...

    A decent bank account with some rewards at a reasonable price, waved if you deposit enough each month.

    {"display":"Phil.1380","full_name":"Phil.1380","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 2.00/5

    Very poor service, reporting S75 & chargeback issues

    Attempted to report potential chargeback, section 75 claim first through app disaster, had to phone, passed on from one customer service advisor to another still... Attempted to report potential chargeback, section 75 claim first through app disaster, had to phone, passed on from one customer service advisor to another still awaiting decision 3 weeks later, very poor process on Lloyds side. Read more Read less

    {"display":"Chris G","full_name":"Chris G","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4.00/5

    Higher Interest Rate!

    I was able to save quite a lot until the Interest Rate Dropped quite Significantly. Then had to find another Account with a good Interest... I was able to save quite a lot until the Interest Rate Dropped quite Significantly. Then had to find another Account with a good Interest Rate and it was a Monthly Savers Account. Which has Evan a Much Higher Interest Rate. Read more Read less

    {"display":"Jeanette Toctan","full_name":"Jeanette Toctan","avatar":{"url":"\/assets\/uploads\/avatars\/users\/745884.png"}}'s avatar
  • 5.00/5

    Amazing!

    The experience I have had with this bank is nothing but excellent. The customer care in the branch is amazing and the banking app is excellent.

    {"display":"Anthony Pearce","full_name":"Anthony Pearce","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 3.00/5

    Incorrectly formatted .qif files

    Credit card .qif files are incorrectly formatted and require extensive manual editing prior to import into money management software.

    {"display":"Tom","full_name":"Tom","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    I found Lloyds easy to make my application, I am ear...

    I found Lloyds easy to make my application, I am earning good cash back which helps my finances, they advise me regularly about how much... I found Lloyds easy to make my application, I am earning good cash back which helps my finances, they advise me regularly about how much I will earn and when I balance that against how much I have spent it is more than I would have earned should I have saved that in a savers account Read more Read less

    {"display":"Jean D","full_name":"Jean D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Good bank with benefits

    Good bank with benefits such a cashback and Already become closer to Ukrainian bank standarts.

    {"display":"MR D","full_name":"MR D","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Always there for you for whatever it is you require.

    Always there for you for whatever it is you require. Responds to all enquiries instantly. All information very clear and easy to understand.

    {"display":"Ewelina ","full_name":"Ewelina ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5.00/5

    Lloyds Ultra Credit

    Got the Lloyds Ultra Credit card and the cashback is a good option. Nice to have a credit card that a get a little back... Got the Lloyds Ultra Credit card and the cashback is a good option. Nice to have a credit card that a get a little back and they keep doing it after the first year. Would be nice if the rewards were a little higher and continued for a little longer, so you could really see a benefit in using it all the time Read more Read less

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

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