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Lloyds Bank: Club Lloyds Current Account reviews

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4.45
Based on 677 reviews, last reviewed 5th May 2026
11% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
69%
See only 4 star reviews
17%
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6%
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2%
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6%

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
Phil A's avatar
Phil A

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
Gareth's avatar
Gareth
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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)

Account with benefits

5
I switched to Lloyds over 2 years ago and have stayed with them since. Not only do they offer monthly interest on current account balance but also one lifestyle benefit per year (magazine subscription, cinema tickets or restaurant vouchers) and many cashback offers on popular brands. Reviewed on: 6th December 2016
Anna Okodugha's avatar
Anna Okodugha

Great bank

5
Very thorough and great value, every thing is useful and great interest rates. People at lloyds are very friendly, supportive welcome. Reviewed on: 1st December 2016
rifen zhong's avatar
rifen zhong

Great value for money

5
Very thorough and great value, every thing is useful and great interest rates. People at lloyds are very friendly, supportive welcome. Reviewed on: 30th November 2016
Lisa Dawson's avatar
Lisa Dawson

Couldnt be happier with it

5
I would recommend thid product to anyone Reviewed on: 29th November 2016
Joanne Pearson's avatar
Joanne Pearson

No frills

4
As far as my day to day banking goes there are no complaints the only thing I would say is setting up online banking is a nightmare!! Reviewed on: 29th November 2016
Jade Jones's avatar
Jade Jones

Very difficult to downgrade the account

1
Really easy to apply for a product you need to pay for. Problems start when you try to downgrade the account or cancel the overdraft. Bank is making the whole process very difficult, completely not interested in customers needs. Would never recommend to bank with Lloyds. Reviewed on: 28th November 2016
Barbara's avatar
Barbara

Great added value

4
I think the Club Lloyds account offers great added value as you get to pick from a range of offers and don't actually have to pay anything for the account as long as you meet the minimum monthly amount you need to pay. For example as my reward I chose the six free Vue cinema tickets which when you consider the cost of the attending the cinema now is a great bonus. Reviewed on: 27th November 2016
Rob Winkfield's avatar
Rob Winkfield

Get free cinema tickets

3
You get free cinema tickets every year Reviewed on: 16th November 2016
Geoffrey Kemp's avatar
Geoffrey Kemp

Opening times

1
So i woke up today on the 16th of november and had to catch the train to bristol for work but half an hour before my train which was at 9:30 i decided to go to lloyds bank to put some money in at 9:00am as i did not have enough money to get it however on the door of the bank its says opening times 9-5 everyday, yet the manager would not let me in as his staff werent ready my solution to this is get them in earlier so the members of the public can go in straight away at 9:00am when they actually need to because due to this i have now probably lost my job because some idiots dont want to get up early in the morning to sort their shit out!!!! This has now got to change otherwise i will be leaving lloyds bank and thats a fact!! Reviewed on: 16th November 2016
Lucas morris's avatar
Lucas morris

Great bank

4
I've been with Lloyds for 10 years I've never had any issues, I've read others complaining of unplanned overdraft fees well it's written in black and white so it's your choice to go into an unplanned overdraft and rack up those fees. I've been in a DMP for 6 years and ensured I stayed on track paying back debts and keeping in credit in my account, I've applied for an planned overdraft a few times and rightly so got turned down, I'm now in a better job have sorted myself out financially and Lloyds have agreed a £1,500 unplanned overdraft. I now have credit cards which I use and pay in full to avoid charges - so it's no good complaining and reviewing the bank as bad when you do not manage your finances Reviewed on: 15th October 2016
Debbi's avatar
Debbi

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