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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

Ideal for everyday banking

Opened a new account last year as needed to close my previous one. Easy Process, understanding staff and account meets all my needs. I manage finances via the mobile app which is quick and convenient. I don't pay any fees as meet the requirements for amount paid in Reviewed on: 5th January 2022

poor security

My mobile app locked me out. I requested a "one time password" to reset. It was received after to 30 limit from being sent. No worries as all I did was delete the app, reload and hey presto, it worked fine. I thought banks are supposed to have secure systems Reviewed on: 6th October 2021

Always been very helpful

The online banking is easy to use, works well and you can check your account/s whenever you wish. It's easy to make transfers and you can contact them either online via the chat link or the usual ways such as a phone call or visit a branch of course. I've always found the staff in the branches very helpful and nice, which makes it a pleasure to deal with them. Reviewed on: 30th August 2021

Very supportive. Excellent services.

Have been a Lloyds Bank customer for thirty years. They are always innovating to move banking forward and provide the variety and level of services that people want from their bank. I have used all sorts of services, from insurance to mortgages, credit cards and overdrafts. It's all very straightforward, very competitively priced. Am glad l am a customer. Definitely recommended. Reviewed on: 27th August 2021

Lloyds bank is rubbish

Lloyds bank is rubbish I received an email regarding changing my bank account to a better account so I decided to give it a go only to find out that I would be receiving a new debit card and my old card would be cancelled in 4 weeks..I was advised that I could cancel within 30 days so I called up to do this within 2 hours of changing the account over only to be told that I would still receive the new debit card for the new account that I was cancelling and also receive another new debit card for the old account that I was going back to..I said that I didn't want any new debit cards for either account only to be told that I couldn't cancel and would still need to receive these cards as they had already been ordered..I have been a customer of lloyds for over 5 years and this is how I am treated!!!! Reviewed on: 2nd August 2021

Very good app.

Been with Lloyds over 5 years and very happy with service. The App is good and particularly like the fact you can scan a chq into your account function. Reviewed on: 5th July 2021

Impossible to close bank account

I called may 8th to get my bank account closed. They closed it. I called on May 12th because I didn't understand why I still could log into my online banking, they told me it would be deleted In a month. I called on June 14th asking why I still could log in to my bank, she couldn't find my information and I didn't have my account number to give her. I received my monthly statement by post mail (sent may 10th 2 days after my bank account was closed) I was hoping it was a confirmation that my bank was closed, no it was a statement fee of 0 pound....why do I still receive that?? Called June 24th now with my account and sort code since I just got a letter, the lady found my information and said that the bank account was closed for sure but she couldn't help me to close down my online banking. Reviewed on: 27th June 2021

Excellent Service

The service provided is very good and takes customers needs into consideration when making decisions about the subject being reviewed. Overall performance is very good. Reviewed on: 21st June 2021

The best bank there is

I have had an account with lloyds bank from the age of 17 and I have never been let down by them. I have had loans and I currently have a credit card with them and the interest rates are very fair and almost everything can be done via the app or online which is very handy for me. Reviewed on: 14th June 2021

Very trustworthy and loyal and helpful to customer

I feel more secure with them, then help in difficult time and think about customer Reviewed on: 14th April 2021

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