Write a review

Go to business site

Lloyds Bank: Club Lloyds Current Account reviews

Name: Club Lloyds Current Account
Rating: 4.44 (654 reviews)

View other Lloyds Bank products

4.43

Based on 654 reviews, last reviewed 11th Apr 2026

5500% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

70%

17%

Latest highest rating:

4

Everyday offers cashback doesn't track I like the in credit interest, but the Everyday Offers cashback scheme is clunky and unreliable. To access the offers you have to scroll through the j... Read more Reviewed on: 11th April 2026

Latest lowest rating:

1

Lloyds banking is judgemental and disgusting I've had this account for about 8 years. I have never once been overdrawn i have never once failed to pay a direct debit and yet when I apply for any ... Read more Reviewed on: 24th March 2026

Read all reviews See your review

About this product

The Club Lloyds Current Account charges a low monthly fee which is waived when you deposit a set amount each month.

With the Club Lloyds Account, each year, you can choose a lifestyle benefit. Other benefits include exclusive savings and mortgage offers as well as cashback at selected retailers.

Club Lloyds reviews help you find out what it’s really like to be a customer. If you’ve used Lloyds before, you can also leave a review and share your experience.

Lloyds Bank Club Lloyds Current Account reviews (654)

Review of the Lloyds Bank, Club Lloyds Current Account:

I upgraded my Lloyds Current account to Club Lloyds recently. It was very easy to upgrade and I am getting a good rate of interest.

I decided to upgrade my account because of the good rate of interest. The process of upgrading was so easy and my account runs like a dream. I like being able to do everything online and not having to go into a branch. As an added bonus I also get a free 12 months' subscription to a magazine of my choice. Reviewed on: 10th August 2015

Nice helpful staff, user friendly app

All staff in store are nice and very knowledgeable and I find the app really easy to use to manage my finances Reviewed on: 18th February 2021

Easy to use and safe

LLoyds current account and APP are not only easy to use but they make me feel safe and secure, I know when they send me a message vs a scammer thanks to their in APP notifications. Reviewed on: 18th February 2021

Great Banking App & Fair Interest Rates

I love the Lloyds Bank banking app as it makes it super easy to do all aspects of my banking with my phone. The app is also well structured and gives could visibility of outgoings and income. I also appreciate the very competitive interest you earn on your PCA balance up to £5k. Would definitely recommend Lloyds Bank and in particular it's PCA to anyone! Reviewed on: 18th February 2021

Lloyds number 1

Club Lloyds is the best thing I have ever had. It’s got great interest rates on savings accounts, it has cool life style benefits and you get better rates on other products. Best I’ve been with Reviewed on: 17th February 2021

Straightforward system, it works for me very well for years now

Club lloyds account is a fun and easily manageable account to have, also, being a lloyds costumer for years brings great value exclusive offers, I like it a lot! Reviewed on: 17th February 2021

The best

Very good. An very safe, good service Reviewed on: 15th February 2021

Very bad fraud team experience

Recently re-opened a club Lloyd's account as a savings account was due to mature.. all was well until I tried yo transfer some money and my account was blocked. I totally understand security/Fraud teams need to be vigilant. However I tried contacting them during the early hours but after 45 mins on the phone gave up. The next afternoon I tried again, wow how my life changed I answered EVERY Security question . Even advised the date is re-pened the account and each and every transaction i had done. The Fraud Team advisor stated this would be a long call. He kept putting me on hold .. would not transfer me to a manager or supervisor or raise a complaint as he decided to completely block my account. Unfortunately due to bereavement I was not home and had limited ID which Bank of Scotland would not accept. This fraud team member really made my life hell even though I was able to correctly answer every question correctly. I have since contacted the Lloyd's Group CEO and asked for the call to be listened to. Reviewed on: 19th January 2021

Great account

I joined Lloyds after terrible Service from First Direct who were absolutely shite. Lloyds have been great I especially love their app Reviewed on: 2nd August 2020

Worst bank ever

Been with Lloys since the 1980's as Premier club Lloyds member paying £28 monthly fee!!! They services have gotten worse and they do not value loyal customers. They are quick to take your money by offering false benefits with your account. They are also very discriminative especially their Insurance side and do not like to pay out. Their Travel insurance is a joke!!! Beter to get your travel insurance/breakdown service/home insurance etc. Even for a genuine insurance claim, called the helpline and now conveniently they have lost any records even after providing proof of calls. Would not recommend to use this bank or pay any extra for the services they offer as they are quick to fob you off. Would advise anyone thinking of joining Lloyds to think twice, as you will be better off with another bank like Nationwide. I am stressing again, 1 Star is generous considering their awful services,unhelpful and discriminative staff. This is the final straw and will be moving my account elsewhere. Reviewed on: 22nd July 2020

Never had a problem in 14 years

I've been with Lloyds since I was a teenager and always had a great experience. I love their their Club Lloyds current account and benefits it gives. If you deposit a certain amount each month it is free. They have great customer service as well. Reviewed on: 12th July 2020

Do you have a different Lloyds Bank product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Current Account
from Cynergy Bank 4.46 from 14 reviews
Current account
from Hampden Bank 4.50 from 5 reviews
Choice Current Account
from Santander 4.05 from 20 reviews

Want to see more from Lloyds Bank?

Cashback credit card
from Lloyds Bank 4.67 from 15 reviews
Travel Money
from Lloyds Bank 4.63 from 3 reviews
Student Mastercard Credit Card
from Lloyds Bank 4.61 from 7 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub