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Lloyds Bank: Club Lloyds Current Account reviews

Name: Club Lloyds Current Account
Rating: 4.38 (582 reviews)

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4.42

Based on 582 reviews, last reviewed 10th Jul 2025

86% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

67%

18%

Latest highest rating:

5

Good bank overall. Good bank overall. Monthly fee is not waived always on time. Reviewed on: 10th July 2025

Latest lowest rating:

1

Closed all my accounts without any explanation Closed all my accounts without any explanation Reviewed on: 8th March 2025

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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 (582)

Ups and downs

I've found the service levels at Lloyds bank to be pretty variable. In fairness, they seem to have more good days than bad days, but after this long with them i still haven't figured out the best times to call them - sometimes they're really busy mid afternoon, other times super quiet! Reviewed on: 26th June 2015

High interest on balances and many extra benefits

I switched to Lloyds Bank Club Lloyds Current Account almost a year ago and I must say it was a right thing to. Not only do they pay interest on my current account (for the balances up to GBP5000) but they also offer special cashback offers from time to time, not to mention Club benefits such as magazine subscription or cinema tickets. The only bad point is the time it takes for them to consider you eligible for one of the credit cards. I've been declined once already and I never go in overdraft and have a fair credit score. Reviewed on: 7th May 2015

Very good value bank account

I recently switched to the Lloyds Club Account and am very impressed with it. The account rewards you for having more money in your current account earning an impressive 4% gross interest on £5k which is very difficult to achieve on many savings accounts let alone a current account. Additional features include a lifestyle benefit each year, either cinema tickets, magazine subscription or Gourmet Society membership. I also like the ability to 'save the change', Lloyds rounds up money spent from the account to the nearest £ and puts it in a separate savings account. Great idea! My only issue with the account is that I believe the lifestyle benefits are a bit limited and more choice could be offered, especially as not everybody lives within easy access to cinemas and restaurants. Reviewed on: 20th April 2015

nothing but trouble for last week

Trying to sort out paying for my phone bill and Lloyd's bank service just keep declined the payment when the money was in the account Try to. Get my bank card unblocked at customers service And the staff who was very rude No wonder why I am switching to another bank as Lloyd's has been nothing but trouble for last week Reviewed on: 9th April 2015

Good as long as you make min payment

A great free account so long as you make the min monthly payment which should be fine for most working people. This accounts gives you access to some good products offers as well as a lifestyle subscription (you can choose the one that most appeals to you). Reviewed on: 2nd April 2015

Lloyds Bank has donated to the fund for homeless war veterans and that's giving something back!

Lloyd's Banking Group suffered from the merger with HBOS which had been poorly run & had toxic assets. Fortunately after some very difficult years, the Group is back into profit & the Government bailout will soon be history with Lloyd's no longer partially owned by the UK taxpayer. This is excellent work. Bankers have been criticised & rightly so. Dishonest bankers nearly destroyed the world economy. And now Lloyd's have donated to the fund for homeless veterans which shows they are serious about helping society & not just themselves!! Lloyd's is trying to ensure that future generations of customers will find that they are a bank that truly can be trusted. Reviewed on: 6th March 2015

A good, valuable account

Great account that is flexible to match the needs of different people/interests. Particularly like the interest rate which is very nice. I would recommend but worth noting that there is a £5/month charge if you do not pay in £1500 or more! Reviewed on: 23rd February 2015

Not a massive differnce, easy to change to though

Changed my account from current account to Club Lloyd on the recommendation of the bank adviser. Extremely easy to do, if not a bit long and tedious, hardest bit was having to keep watching the clips, saves the staff having to say it I assume. To be honest I have not noticed any change at the moment apart from the free magazine, Reviewed on: 25th January 2015

Good

I think they are a very good and proficient company that all the people in england would like to join their team and enjoy their services. Reviewed on: 11th January 2015

Good if you understand how it works

This is a pretty golden account, but you need to understand how it works to get the max benefits from it - key points are 1 - Must pay in £1500 a month for it to be free - probably not the best account if you're prepared to pay 2 - Interest rate of 4% is very good - but again, you'll only get this if the balance is between £4,000 to £5,000 - funny thing is you don't get any interest on money above the £5,000...so stay below this! Reviewed on: 30th October 2014

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