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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 3.93 (799 reviews)

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3.93

Based on 799 reviews, last reviewed 1st Jul 2026

40% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

56%

20%

10%

11%

Latest highest rating:

5

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

Latest lowest rating:

1

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 a... Read more Reviewed on: 1st July 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 (799)

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

Lloyds is a great bank.

Lloyds is a great bank. I have been with them for 10 years and have had no issues. Customer service is great and are always helpful both in store and online. The app is easy to use and the features of cash back are great Reviewed on: 20th April 2026

No issues whatsoever

Had this account for the past 11/12 years, no issues whatsoever. Customer service has always been helpful, new cards have been issued quickly, app is very easy to navigate and laid out clearly Reviewed on: 17th April 2026

My experience has been decent, nothing extraordinary...

My experience has been decent, nothing extraordinary to be honest. Interest rates could be higher, competitors have much higher interest rates and bro banks have such intuitive features. It would help to have pots like Monzo that payments could be made out of. Reviewed on: 17th April 2026

Good old-fashioned bank account - no charges - pure...

Good old-fashioned bank account - no charges - pure and simple Reviewed on: 17th April 2026

A good bank to be and do business

A good bank to be and do business Reviewed on: 16th April 2026

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