Write a review

Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 4.05 (705 reviews)

View other Lloyds Bank products

3.93

Based on 705 reviews, last reviewed 3rd Feb 2025

No new 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:

5

Excellent service and support, no problems Excellent service and support, no problems Reviewed on: 3rd February 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 (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

Ok

They’re ok but prefer Chase. They give better rewards and interest! Reviewed on: 16th March 2023

Is always there

I had to deal with minor fraud on my account and they helped me quickly and effectively. I’ve had them since I was young and I will keep with them in my old age too Reviewed on: 12th March 2023

Helpful and attentive staff

Always feel valued as a customer & completely satisfied that all us being done for me & my money. Reviewed on: 12th March 2023

Very good bank

Very good bank, have never had any issues with them and their customer support is always helpful and polite. Reviewed on: 11th March 2023

Abc

Its a best bank and all I need can get from their app Reviewed on: 10th March 2023

Have had Lloyds for years

It’s good and trust worthy. My family started using it first and then they created an account for me and haven’t gone back since. Reviewed on: 10th March 2023

Efficient way of banking

Lloyds provides efficient banking methods which saves customers time and make banking much more simple and convenient. Reviewed on: 10th March 2023

Easy to use

I have been with Lloyds since I moved to the UK almost 10 years ago now, they have never let me down and have always been easy to deal with. Reviewed on: 10th March 2023

Rubbish customer service

Unhelpful staff in branch who made me decide to go to another branch who were able to answer my query Reviewed on: 10th March 2023

Years of good service

I have banked with Lloyds for more than forty years and in this time have never had cause to complain about their service. Reviewed on: 10th March 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

Student Additions Account
from Barclays 4.43 from 92 reviews
Essential Current Account
from Virgin Money 2.88 from 138 reviews
Silver Added Value Account
from Lloyds Bank 3.50 from 18 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