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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 4.05 (705 reviews)

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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

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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

Never had an issue

Absolutely no complaints. Had an issue with a hotel payment a few weeks ago and they were very helpful and got it put back into my account straight away. Very helpful. Reviewed on: 2nd February 2023

Provides what I need efficiently and effectively

Account managed without problems, payments made promptly, monthly statements. Online banking offers payments and savings in an integrated product. Good choice of current and savings accounts. Reviewed on: 2nd February 2023

Great

Easy to deal with, great bank, easy online system Reviewed on: 2nd February 2023

No hassle banking

Basic bank account requested, does exactly what it needs to. Easy to put money in and draw out. Easy to understand Internet banking. Reviewed on: 1st February 2023

Kind Excellent Support

Lloyds Bank were very kind & empathetic when I ran into financial problems due to health issues. Reviewed on: 1st February 2023

Lloyds

I love Lloyds classic account its really east to use and they offer really good support Reviewed on: 31st January 2023

Easy to bank with

Lloyds have a lot of tools to help with money management e.g. see a breakdown of categories of expenditure this mont, with a month on month comparison. Their emails include hints and tips, too. Reviewed on: 31st January 2023

A Satisfied Customer

My Classic Account suits me perfectly because, on occasion, I go overdrawn but suffer no charges as I'm sure to transfer enough funds to go back to black! Reviewed on: 29th January 2023

Lloyds bank

Lloyds bank are always there whenever you need help or unsure of anything. Whenever u go in branch they are polite and welcoming and very helpful. Reviewed on: 20th January 2023

Very good banking service.

An enjoyable banking experience with an easy to use app on my phone.Recommended ,always get reminders for payments etc. Reviewed on: 20th January 2023

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