Write a review

Go to business site

Lloyds Bank: Club Lloyds Current Account reviews

Name: Club Lloyds Current Account
Rating: 4.45 (677 reviews)

View other Lloyds Bank products

4.45

Based on 677 reviews, last reviewed 5th May 2026

18% increase 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

Read all reviews Write a review

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.

Review Lloyds Bank: Club Lloyds Current Account now

Help others make smarter decisions by sharing your own experience.

Write a review

Lloyds Bank Club Lloyds Current Account reviews (677)

good service and rewards, decent interest, a customer service

You get up to 4% AER and also they gave me 6 VUE cinema tickets. Only need to pay £1500 a month. You also get £100 overdraft which is decent, just in case. I think you can't go wrong with this account. Reviewed on: 15th August 2015

Top rate of interest

A great account, offering 4% on £5K. Easy to avoid £5 monthly fee (by having £1500 paid into account per month from non-Lloyds sources - we transfer money between Lloyds and Santander to do this). Lloyds quite happy to add wife's name to account (as she is a non-income taxpayer), so half of interest paid gross (so we get 3.6% overall net - easily beats ISAs!!!) Reviewed on: 14th August 2015

Upgraded to Club Lloyds recently. Was easy to do online and also offer a great interest rate if you are in credit.

I upgraded my account recently and it was so easy to do. My Club Lloyds account also gives a free subscription to a magazine of my choice. I like Lloyds Online Banking because all transactions are just a 'click' away. Reviewed on: 10th August 2015

I upgraded my Lloyds Current account to Club Lloyds recently. It was very easy to upgrade and I am getting a good rate of interest.

I decided to upgrade my account because of the good rate of interest. The process of upgrading was so easy and my account runs like a dream. I like being able to do everything online and not having to go into a branch. As an added bonus I also get a free 12 months' subscription to a magazine of my choice. Reviewed on: 10th August 2015

Great Internet Banking

I changed to Lloyds from Santander a number of years ago and I have to admit that they're brill. Charges are minimal and easily explained. I get a text if I ever go overdrawn unexpectedly and have until 3pm to rectify it. The internet banking is great - so accessible and easy to use. I wouldn't bank anywhere else. Reviewed on: 6th August 2015

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

Do you have a different Lloyds Bank product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Current account
from The Co-operative Bank 4.07 from 428 reviews
Current account
from Starling Bank 4.94 from 27453 reviews
Current Accounts
from London Community Credit Union 1.00 from 3 reviews

Want to see more from Lloyds Bank?

Cashback credit card
from Lloyds Bank 4.72 from 18 reviews
Travel Money
from Lloyds Bank 4.63 from 3 reviews
Student Mastercard Credit Card
from Lloyds Bank 4.61 from 7 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub