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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)

With Lloyds over 25 years never had any problems

Have been with Lloyds 25+ years never had any problems Reviewed on: 20th February 2026

Great it is my main bank!

Great bank, reminds me of Caixa Geral de Depositos in Portugal, very steady, always there so you can rely on it.It is my main bank. Reviewed on: 19th February 2026

Great benefits and great app, easy to use and gd...

Great benefits and great app, easy to use and gd rates Reviewed on: 13th February 2026

Great but needs less manual fee waiving process

Great product with lovely perks to choose from each year! The only downside is the fee waiving process is manual so shows up on the statement each month and you have to ensure after paying all bills etc you have money in the account for the fee so it doesn't take you into an overdraft. Would be great for the bank to update this to automatically waive fees for eligible customers Reviewed on: 12th February 2026

Must try

Many things I have heard about Lloyds Bank but their Club current account is a must try, functional and comes with real perks Reviewed on: 11th February 2026

Would not recommend Lloyds, their processes are very...

Would not recommend Lloyds, their processes are very old fashioned and difficult. Proved incredibly difficult to open a joint club Lloyds account and we wanted to try and meet the switching offer deadline but had to wait for an activation code in the post. We spoke to Lloyds on the phone and they could offer no alternatives and there was no way we could speed up the process, they suggested going into a branch but they had no appointments available in the next 3 weeks. They should give warning that in becoming a new Lloyds customer you need to wait at least a week for a code to be sent in the post and it’s stupid that you can’t set up a joint account together on the phone Reviewed on: 4th February 2026

One step forward and two steps back.

Wanting to transfer a large amount of funds to a payee, I ended up in the ludicrous situation of having to visit a branch to execute this. The lengthy phone call (some 80 minutes) to establish that it’s no longer possible to do this by phoning a special number, let alone on-line, makes a mockery of the endless cajoling this bank employs to persuade its customers that it’s “much quicker on-line”. But two years previously just a phone call was possible but Lloyds have removed this facility. Reviewed on: 1st February 2026

Stellar product, the bundled packages make it a very...

Stellar product, the bundled packages make it a very viable option. Reviewed on: 29th January 2026

Now with no foreign currency fees

I've had my main current account with Lloyds Bank for many years, and it keeps getting better and better. The recent withdrawal of foreign currency fees has been a massive step forwards. Reviewed on: 26th January 2026

Great bank

Really good bank with good savings accounts too. Reviewed on: 24th January 2026

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