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Lloyds Bank: Club Lloyds Current Account reviews

Name: Club Lloyds Current Account
Rating: 4.49 (677 reviews)

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4.49

Based on 677 reviews, last reviewed 5th May 2026

10% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

69%

17%

Latest highest rating:

5

I’ve had a positive experience with Lloyds current a... I’ve had a positive experience with Lloyds current account. The app and online banking are easy to use, making it simple to check balances, transfer m... Read more Reviewed on: 5th May 2026

Latest lowest rating:

2

Lots of charges No worthy benefits and big daily charges for overdraft with very little support Reviewed on: 20th 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.

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Lloyds Bank Club Lloyds Current Account reviews (677)

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

Great all-round experience

Lloyds Bank is trying really hard to provide consistently good and efficient customer service. The bank has a wide range of products to suit virtually all needs and its website is very easy to navigate. The interest rate on its current account is better than many savings accounts and the business is obviously doing its best to win back customer confidence following the Government "bail out" of 2009. I am a satisfied customer. Reviewed on: 6th November 2018

Great account with good rewards

A great account which is easy to manage via a great little app. Good reward programme with instant sign up/ transfer rewards along with everyday rewards. Usual benefits including contactless debit cards, overdraft and upgrade options. Friendly branch and phone teams too. The only thing they are lacking is the emergency cash option which is offered by some competitors Reviewed on: 6th November 2018

Used to be OK

When I initially joined "the club" an interest rate was most welcome. It has since reduced to a really low level. The only reason I stay is because there is not much else out there. I now transfere a lot into peer to peer lending at ZOPA. Reviewed on: 5th November 2018

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