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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 4.05 (705 reviews)

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3.94

Based on 704 reviews, last reviewed 23rd Jan 2025

25% 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

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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.

Lloyds Bank Classic Account reviews (705)

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

Wouldn't give me a debit card

Lloyds bank - told me I needed to use my account more before they would give me a debit card. Thought that was a really weird thing to say. How could I use my account with a card to use it with? All in all a dumb back clueless to it's customers needs. Reviewed on: 3rd April 2023

Current account

I’ve been with Lloyds bank for aslong as I can remember, and gave also opened my son an account so I can save for him until he’s 18! Great customer service in our local branch, Maidenhead. And overall easy to use online banking app Reviewed on: 3rd April 2023

Top 1 bank

Verry good bank and app working perfect Reviewed on: 3rd April 2023

Best ever

Is the best bank always easy to use and many benefits Reviewed on: 3rd April 2023

Classic account

I’ve been with Lloyds bank for a very long time and I’ve had no issues when it comes to my accounts I have with them, very happy overall. Reviewed on: 3rd April 2023

Good service

Good range of products available for everyone Reviewed on: 3rd April 2023

Easy, safe banking

With Lloyds I know my money is safe! Lloyds ensure customers are aware of how they’ll be contacted and what information would be required. They regularly send emails informing customers what to look out for in fraudulent activity. I feel like my money is safe and I am looked after as a customer. The app is really easy to use and I am able to access my account quickly and on the go. Reviewed on: 3rd April 2023

Kubra

I want to earn money. I want to sell my good clothes Reviewed on: 2nd April 2023

Disgusting company

Worst in the financial industry Reviewed on: 31st March 2023

Annoying

It’s annoying to use llyods bank Reviewed on: 30th March 2023

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