Write a review

Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 4.05 (704 reviews)

View other Lloyds Bank products

3.93

Based on 704 reviews, last reviewed 23rd Jan 2025

50% decrease in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

54%

21%

11%

Latest highest rating:

4

Reliable bank, costumer service is very good. Reliable bank, costumer service is very good. Reviewed on: 23rd January 2025

Latest lowest rating:

1

Lloyds Bank refuses my payments by bank transfers. Lloyds Bank refuses my payments by bank transfers. to my builder and to a financial institution at the branch. I had my passport with me. They asked m... Read more Reviewed on: 21st December 2024

Read all reviews See your review

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.

Lloyds Bank Classic Account reviews (704)

Review of the Lloyds Bank, Classic Account:

Utterly Horrific Experience if You Have Special Needs!

I would give Lloyds Bank zero stars if I could. My experience has been utterly horrific, and I would never recommend them to anyone - especially not those with disabilities or specific needs. Their banking app is completely redundant, as every payment I attempted was blocked with a message instructing me to phone them. I am very severely ill, speech-impaired, and require a relative to speak on my behalf, but Lloyds is not set up to handle customers like me. I first tried using the Relay service to call, but their automated system didn’t allow enough time to input my details before disconnecting. After three hours of exhausting effort on the Relay service, enduring long holds and being hung up on twice, in the end I was told I needed to call a different team at a different time! The next day, with my father’s help, we called again. Despite listing my needs on my application, Lloyds staff showed no understanding of what speech-impairment or severe neurological illness entails. I was forced to speak, despite my extreme limitations, just to confirm basic details. After all that effort, the payment still didn’t go through. A second call was required, where I faced a clueless representative who refused to proceed unless I kept speaking, despite my father being there to handle everything. The ordeal took 45 minutes and caused such a severe relapse in my illness that my paralysis is worsened. To make things worse, Lloyds refused to accept my parents’ Power of Attorney because my account was newly opened. In frustration, I decided to transfer my balance back to my original bank - only for Lloyds to block the transfer yet again, despite it being to an account in my own name!! This entire experience has been a nightmare. First Direct handles similar situations with a simple text confirmation system - no unnecessary calls, no reliving the same exhausting process repeatedly. Meanwhile, Lloyds is stuck in the dark ages, ignoring modern, accessible systems like app-based authentication codes. Lloyds have caused me immense stress, wasted my time, and made my health worse. I will never use them again, and I wouldn’t recommend them to anyone, especially not those with disabilities or complex needs. They're appalling and completely unacceptable. They failed me at every turn, from their lack of accessibility to their outdated processes and poor understanding of my needs as a customer with a severe illness. The fact that they forced me to endure such an ordeal - resulting in worsened health and paralysis - is not just frustrating but downright harmful. Their refusal to take Power of Attorney into account, combined with constant payment blocks (even for transfers to myself), shows a complete lack of regard for customer care and a failure to adapt to modern, inclusive banking practices. Reviewed on: 3rd December 2024

Good communication

Good comms when making transactions Reviewed on: 10th April 2023

In cyber space and on the ground

Quite fast response on website and overall good communication. High interest on. Overdraft which seems to be a trend. Overall quite easy to use and secure. Not always so helpful in the branch in Uxbridge. Depend on staff present Reviewed on: 9th April 2023

I recommend Lloyds bank is the best ever

To be honest I have never see any problem in Lloyds bank. I love using Lloyds bank as my main account. I recommend Lloyds as full star to my friends. Reviewed on: 8th April 2023

Keeping your money safe

I get steady but not to many emails showing me examples of fraudulent activity and what to spot which reassures me what my bank would or would not ask for, what I can do to protect myself and there is always help available should I need it. I feel that take responsibility for my credit and how much I ask for by explaining it wouldn't be good but offers a number of ways to improve how to look after my money. I feel valued as a customer and would highly recommend them. Reviewed on: 7th April 2023

Personal experience

Lloyd's bank have been very understanding during times of financial woes, especially during the COVID lockdown period. They have always been first hand with direct communication & the only improvement could be a direction as to how to attain a larger overdraft if necessary. And if it is based on credit score than how high that would need to be.Overall, a solid bank for anyone looking to place their money. Reviewed on: 7th April 2023

spot on

been with lloyds for 35 years.Had the classic account for all that time and has been perfect Reviewed on: 7th April 2023

Aaw

Uvuhcuvuvucuvicivo o ov ovivivig Reviewed on: 6th April 2023

POSITIVE FEEDBACK WELL DESERVED IN MY OPINION

ALREADY SAID IT WELL DONE AND THANK YOU FOR A SWIFT RESPONSE WELL DONE Reviewed on: 5th April 2023

Good banking

Have been with Lloyds bank since 2009 very helpful Reviewed on: 5th April 2023

Uncomfortable

Not explained properly, confusing Reviewed on: 5th April 2023

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

Cash Account
from Bank of Scotland 4.14 from 52 reviews
Basic Current Account
from RBS 3.94 from 228 reviews
Current Account
from Tesco Bank 4.41 from 67 reviews

There's still more to see!

Lloyds Bank has a range of products available. Check the ratings of each product to find the right one for you. 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