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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 3.88 (804 reviews)

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3.88

Based on 804 reviews, last reviewed 21st Aug 2026

58% decrease in 5 star reviews

in the past 90 days

33% decrease in 1 star reviews

in the past 90 days

56%

20%

10%

11%

Latest highest rating:

5

Always been helpful if I’m in a bad spot Always been helpful if I’m in a bad spot Reviewed on: 21st August 2026

Latest lowest rating:

1

Really poor customer service Up until yesterday I had nothing but good things to say about Lloyds. I changed from another high street bank eight years ago and everything had been ... Read more Reviewed on: 20th August 2026

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About this product

The Lloyds Classic Account is fee free for use in the UK, providing your account balance doesn’t go below £0.

The Lloyds Classic Account can be serviced via the app and you can earn up to 15% cashback on spending with selected retailers.

Lloyds Classic Account 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 Classic Account reviews (804)

Always been helpful if I’m in a bad spot

Always been helpful if I’m in a bad spot Reviewed on: 21st August 2026

A great bank

A great bank, very easy to to bank with. Reviewed on: 20th August 2026

Really poor customer service

Up until yesterday I had nothing but good things to say about Lloyds. I changed from another high street bank eight years ago and everything had been good. However yesterday I tried to get some simple details of a transaction made in 2023. I thought this would be a simple process. How wrong I was, after spending most of the day waiting for the online chat to respond they tell me that this service is not available. What a farce. I thought they had to keep records for six years? Do better Lloyds I know you can. Reviewed on: 20th August 2026

Staff are friendly

Staff are friendly, and I am really happy with the bank application; actually, it is user-friendly Reviewed on: 18th July 2026

disappointed with decline in benefits

I’ve been a customer for 15+ years and I feel like the customer focus has gone downhill, it used to be fantastic but now so many good features have disappeared and the monthly fee is too high for the small value it offers me personally. Especially as a long standing customer I’d expect a bit more for my brand loyalty. Reviewed on: 6th July 2026

I visited the Lloyds Bank Kilburn branch to deal wit...

I visited the Lloyds Bank Kilburn branch to deal with a Court of Protection matter for my mother. I explained my situation clearly when I checked in at around 10:30am and was told there were two customers ahead of me. I waited patiently for an hour. After the second customer left, a staff member who identified himself as Tony James came out, looked at the list, and announced he would only deal with “short enquiries.” At no point before this was I informed there were separate queues for short and long enquiries. Despite my long wait, I was ignored and another customer was served before me instead. At around 12:05pm, Tony finally called my name. When I asked why my enquiry could suddenly be handled now, he replied arrogantly that his colleague dealing with “long enquiries” was taking too long, so he would help me instead. There was no apology for the delay or for skipping me earlier, as if he was given me mercy. He then asked me to sit back down on a dirty customer chair and later returned with only a phone number on a piece of paper, telling me to call instead. This was unacceptable after making me wait for over 90 minutes. If the branch could not handle Court of Protection matters, I should have been told immediately when I logged in, instead of being left waiting unnecessarily. When I complained about the poor treatment, Tony appeared unwilling to listen and asked me to leave the branch. When I asked why, as my issue had still not been properly handled and no apology had been offered, he threatened to call the police. Both he and the security guard came towards me and raised their voices and told me to leave. I chose to leave because the environment felt hostile, intimidating, and deeply unprofessional. (Most importantly there was no point to continue waste a min in that branch for the rude treatment) What made this experience worse is that earlier the same morning I received excellent service at HSBC, where my enquiry was handled professionally within 45 minutes. I also visited NatWest afterwards, and despite lunchtime queues, their staff assisted me efficiently and respectfully within another 30 minutes. The contrast in customer service was very clear. I found the behaviour at Lloyds Bank Kilburn rude, dismissive, and intimidating. As a Chinese female customer, I felt ignored and unfairly treated. I was also concerned by the aggressive attitude shown when I questioned the service I received. In addition, the seating area in the branch was extremely dirty and unhygienic. The chairs and sofas appeared poorly maintained, and I had no choice but to sit there for a long period while waiting. I have attached photographs of the flee bites on my skin that caused by these chairs… Reviewed on: 1st July 2026

Always there for you for whatever it is you require.

Always there for you for whatever it is you require. Responds to all enquiries instantly. All information very clear and easy to understand. Reviewed on: 12th June 2026

Lifetime user of Lloyds.

Lifetime user of Lloyds. They are a good bank - they explain credit products fully and all staff on hotlines and in branch that I’ve dealt with has been friendly and helpful. The club Lloyds saver has great savings interest and the silver account benefits are actually super useful at a good price. Reviewed on: 31st May 2026

Improved massively, still room for more.

Lloyds have improved massively, but before the pandemic they were a bit of a mess, specifically in their anti-fraud triggers going off CONSTANTLY and bricking my cards, Apple Pay etc. It’s better now - although I’ve switched to using PayPal debit instead through the same systems. Also their credit card benefits aren’t great, they expire after 1 year when the card lasts for 3+ (e.g. no international fees). Cashback offers are new but have to be manually activated in the app, not great when it could be automatic. Being a longtime customer doesn’t really count for much. BUT they are generally reliable, give money as compensation when they screw up, and their customer service are generally in the U.K. which I LOVE. Reviewed on: 28th April 2026

Lloyd's bank stole from my account!

Lloyd's bank stole money out of my account without my authorisation, they put me in debt of thousands of pounds.. I will never forgive them for what they done, absolute daylight robbery! Disgusting behaviour.. steer well clear of this pack of cowboys.. Reviewed on: 25th April 2026

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