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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

No issues

Have banked with Lloyds since uni and they haven't driven me away yet, which is probably high praise as far as banks go! Reviewed on: 18th March 2022

Amazing bank

Very helpful easy to use and supported during rough times Reviewed on: 17th March 2022

Amazing

Such a great bank, easy to use mobile banking app! Had an account for years and never had any issues and customer service is great! Highly recommend. Reviewed on: 10th March 2022

Disappointed

Seems like they are on a different planet. Keeping my old records and stubborn like a kid. Not looking in to present condition. I tried to explain but they were not ready to listen. Case is with ombudsman. Let’s see whether they can land on our planet with financial ombudsman’s help and reasoning. Why on earth they decide unprofessionally and call it as company policy. Sounds even worse. But I love to educate them not to treat another one like me in the future with their automated messages. Reviewed on: 10th March 2022

Best bank in UK

I can't explain how important it was for me and my family to become Lloyd's customers. We recently arrived from Canada to work on an assignment and needed a bank account. Lloyd's bank was the only bank to provide a hassle-free, efficient and fast service. The account, the app and the staff are all fantastic. No matter who wins, Lloyd's will always be the #1 bank for our family in UK. Reviewed on: 8th March 2022

Worst customer service ever in Coventry City Centre

Worst customer service ever in Coventry City Centre. For 7th time I'm going there to open a bank account and everytime was different document that they asked me for, I've paid 30 pounds to get a legit document from my GP to proof my address because they didn't accept my gas bill statement. Even with this legit document from my gp they couldn't open a bank account. Because was a different person from yesterday, every day different person from this bank want from me different document and for now I still don't have a bank account... Reviewed on: 5th March 2022

It's ok

They don't warn you If something has come out of your bank until a few days later. There online banking is always going down for maintenance and the online banking stuggles to recognise that its connected to the Internet. Reviewed on: 19th February 2022

Splendid Service

The service is Splendid and much is done to educate and inform about fraud. Reviewed on: 18th February 2022

Efficient

I've banked with Lloyds for years and I am impressed by how their phone app works and the speed that it allows me to transfer money. Reviewed on: 2nd February 2022

First bank

I am client's Lloyds from 6 years and I find the service that they offer very easy to use and this bank help me too much to survive in London Reviewed on: 1st February 2022

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