Write a review

Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 4.05 (701 reviews)

View other Lloyds Bank products

3.93

Based on 701 reviews, last reviewed 21st Dec 2024

60% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

54%

21%

11%

Latest highest rating:

5

Good account Signed up easily. Online verification came in 2 days. Debit card came on 3rd day. The app works well for me. Impressed so far. Using it as a 2nd acco... Read more Reviewed on: 15th December 2024

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 (701)

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

Trustworthy bank

Lloyds bank has always been there for any kind of financial help. There's always a solution with them. Very easy to manage the account and the customer service deserves separate appreciation. Nice and comfortable with their debit card. They are very trustworthy. Reviewed on: 23rd August 2024

Good always easy

Good always easy with Lloyds and the app is great Reviewed on: 23rd August 2024

Ok satisfied

I am satisfied, everything is easy Reviewed on: 1st August 2024

The bank for me

I am happy with this bank. I have been thinking to fine a bank in the new town we moved, and Lloyd's it is perfect for me Reviewed on: 31st July 2024

Stick to the classic!

I really truly trust Lloyds bank as a brand, its never steered me wrong and i know my money is safe in a classic account just so i can get my savings up and then i can move on to another account or upgrade once i get a hold of my spending. Reviewed on: 16th June 2024

Customer services

I am Lloyd's Bank customer already from 2011. I am very happy with my account,overdraft and other offers.Higly recommend it for all! Reviewed on: 11th June 2024

There was an illegal transaction on my wife's bank a...

There was an illegal transaction on my wife's bank account. We attempted to contact their customer support, however they always kept us on hold before transferring the call to the fraudulent team, and my phone was disconnected after an extended wait. After a few attempts, someone picked up and phoned again, was disconnected after a lengthy investigation, and no one cared to contact us back. I've lost my money. I never trusted the bank's security protocol. They were completely unhelpful. I switched to another bank. Please do not trust them with your money. You will lose money, and they are unconcerned about it. Reviewed on: 29th May 2024

they stopped sending paper statements this is a bad...

they stopped sending paper statements this is a bad idea as so many hackers/ viruses i dont want to log in to my bank often Reviewed on: 25th May 2024

Lloyds has been the best and easiest bank to deal...

Lloyds has been the best and easiest bank to deal with Reviewed on: 24th May 2024

Lloyds Bank; Rockin' Retro Reliability with Style!

I've been with Lloyds Bank for many years. You could class them as a 'retro' bank. However, they're rockin' retro reliability with style. Their classic account is free and has most things you want and need. They do offer a wide selection of bank accounts. They could introduce savings pots but savings accounts are available. They also provide ISAs and a good range of credit cards. Their internet banking is straightforward, clean looking and is easy to navigate. Setting up payments and direct debits is easy, as is checking your statements. You can also retrieve your pin, freeze your cards, as well as a whole host of other things. I have found Lloyds to be reliable for over 20+ years; I got my first account with them when I was 16. I can't see a reason to switch! Reviewed on: 24th May 2024

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

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