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Lloyds Bank: Club Lloyds current account reviews

Name: Club Lloyds current account
Rating: 4.46 (684 reviews)

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4.46

Based on 684 reviews, last reviewed 7th Jul 2026

55% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

69%

17%

Latest highest rating:

5

Free annual membership benefit. Free annual membership benefit. Access to everyday rewards. Good loan and credit offers Reviewed on: 7th July 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 (684)

Account with benefits

The bank called me to let me know about the Club account. A face to face meeting was arranged the same day. Excellent service. Reviewed on: 14th December 2018

Not a bad word to say

A bankthat rewards for you for banking with them. I had a choice of 3 rewards and opted for Annual Gourmet Society membership, which I have made some amazing savings with. Reward is available for the full time that I am with the bank. Great interest rates. great customer service Reviewed on: 13th December 2018

Best bank

Always received great service from Lloyds, both online and in store. Wide range of products suitable to your individual needs. No monthly account fees which is amazing! I love Lloyds! Reviewed on: 10th December 2018

Best Bank in UK

Lloyds is a leading bank in UK with Bank is Scotland and Halifax. Lloyds puts the customer first. More secure and easy access through Branch, phone and app. Knowledgeable customer service to shortout the issues. More number of branches and ATM's across UK. Proud to have an account in Lloyds. Easy way of bank switching. Easy access of mobile apps for my all statements. Thanks Lloyds Bank. Reviewed on: 7th December 2018

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

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