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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

Dependable

I've not had many problems with it, but dislike the fact they removed my interest free overdraft, now I get charged. Reviewed on: 18th January 2023

Great helpful easy

Loved my experience very much and was very easy goin Reviewed on: 17th January 2023

closing branches harder to use

lloyds are ok, but closing branches means we have to travel further to go into a branch which is a hassle Reviewed on: 16th January 2023

LLOYDS COULD DO BETTER

OFTEN HAVE TO WAIT FOR A WHILE TO SPEAK TO ADVISOR. ADVICE NOT ALWAYS CLEAR. ADEQUATE SERVICE NOT TERRIBLE NOT GREAT. OK Reviewed on: 14th January 2023

Professional and Helpful Bank

Good to deal with and excellent app for everything Reviewed on: 13th January 2023

Embarrassingly behind the times

Closed the local branch for about 8 weeks on the run up to Christmas. Left people in a right mess. Absolutely shocking customer service. Time to let these high street banks die Reviewed on: 13th January 2023

Average bank

Very poor interest rate so always keen to move my money into an account with a better rate Reviewed on: 12th January 2023

Shame

They are so messed up that they have issues with standing orders. Also, if you don't do a standing order BEFORE THE 25TH OF EACH MONTH, they won't accept it, but they don't tell you that. Shame Reviewed on: 3rd January 2023

Lloyds is Trash

Lloyd’s made registering a completely inefficient, laborious, and unnecessarily long process. They were terribly unhelpful with questions. Avoid. Reviewed on: 13th October 2022

Awful service

They only knows how to make a good Advertisement in the TV! Reviewed on: 21st September 2022

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