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Lloyds Bank: Club Lloyds Current Account reviews

Name: Club Lloyds Current Account
Rating: 4.45 (671 reviews)

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4.45

Based on 671 reviews, last reviewed 18th Apr 2026

6700% 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:

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. Reviewed on: 18th April 2026

Latest lowest rating:

2

I have been a customer for 20 years or more. I have been a customer for 20 years or more. The branch service has got notably worse in the last couple of years - long queues with few counter staf... Read more Reviewed on: 16th April 2026

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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 (671)

Review of the Lloyds Bank, Club Lloyds Current Account:

Worth it

The Club Lloyds Current Account suits my needs, monthly saver reasonable and cinema tickets are a bonus Reviewed on: 12th January 2019

A bank I've stayed with.........

Been with the group since the 1960s. I Find Lloyds online banking easy to use with plenty of options, and branch visits are a pleasant experience. Reviewed on: 4th December 2018

Amazing customer service

No hassle getting or having this account with Lloyds, I have had a few problems with other banks in the past and Lloyds are definately the better one. Customer service is second to none! Reviewed on: 30th November 2018

Does what it says on the tin

I’ve had my current account with Lloyd’s all my working life and have never seen a reason to change. I’ve always been pleased with the products and service. The bonus treat of a magazine through the door each month with Club Lloyd’s is nice. Reviewed on: 25th November 2018

Good perks, but interest rate far too low now

Interest rate has dropped without any good reason Reviewed on: 22nd November 2018

Good if you're in the black, bad if you're in the red

If you never go into your overdraft, Club Lloyds is a great account. The interest on your money isn't bad and you can opt into 'saving your change', which sees the account rounding up your spends to the nearest pound (build up a little pot by squirrelling away the difference in pennies). But if you dip into your overdraft (unless you have a pre-arranged fee-free one), you pay 1p daily for every £7 overdrawn (it used to be £8) for the first £1,500 alone. I was in the black for ages, while I saved for a deposit for our house. Now that's no longer in my account and we have a baby on the way, I am perilously close to tipping into my overdraft. However, I do get a text to let me know when I'm near that point... so that's helpful Reviewed on: 22nd November 2018

Great customer service and offers

Lloyds always have great customer service and help out with any problems I have. The website is also easy to use (as is the app) and they have great every day offers for customers. Reviewed on: 11th November 2018

Very few offers

Although is a club account - costs £3/mth, refundable if you pay in a certain amount - there are very few offers. Just cashback on limited retailers. Reviewed on: 9th November 2018

Great Account

Nice account, no fee if pay in £1,500, plus you get choice of freebie for the year, 2% intrest, overall decent! Reviewed on: 8th November 2018

Customer Service

Very easy to get through to customer service and also very helpful Reviewed on: 7th November 2018

Dropping interest

Dropping interest but still requires hoops to jump through Reviewed on: 6th November 2018

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