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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 4.06 (723 reviews)

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3.96

Based on 723 reviews, last reviewed 27th Feb 2025

700% increase in 5 star reviews

in the past 90 days

25% decrease in 1 star reviews

in the past 90 days

54%

21%

11%

Latest highest rating:

5

Always been quick and efficient never had a problem,... Always been quick and efficient never had a problem, banking with them for over 25 years. Reviewed on: 27th February 2025

Latest lowest rating:

1

Disgusted at how all the branches have closed and no... Disgusted at how all the branches have closed and no sign of the banking hubs we were promised Reviewed on: 26th February 2025

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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 (723)

Review of the Lloyds Bank, Classic Account:

Switch from Lloyds at all costs

Awful app. Awful customer service. Awful everything. Awfiln company. Avoid. Avoid. Avoid. Reviewed on: 10th July 2019

Amazing to be a customer and very helpful on how to...

Amazing to be a customer and very helpful on how to manage my finances Reviewed on: 15th January 2025

Very good

Very good experience all in all. Reviewed on: 15th January 2025

Good bank very easy and very good bank

Good bank very easy and very good bank Reviewed on: 13th January 2025

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 me a lot of questions that were inappropriate.. They are mental and treated me as a criminal. I wasted one hour each time there and in the end they refused to do the transaction. They also blocked my account on one of these transfers. They are abusing their power. Reviewed on: 21st December 2024

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

Wanting profit , ignoring customer needs

Keen to close local branches, causing crowding in the remaining few. Frequent changing of which counters are for which service. Look like they would prefer to have no branches at all Reviewed on: 7th November 2024

Easy to set up Classic Account with Bank of Scotland...

Easy to set up Classic Account with Bank of Scotland, after moving countries. Great service at any branch Reviewed on: 29th October 2024

I have spent a month calling them to resolve a simpl...

I have spent a month calling them to resolve a simple issue. Every time they tell me it is fixed but it is not fixed at all. Customers without a smartphone can not use their services. They claimed their app would work on a tablet device without a smartphone but it does not. So many hours wasted calling their call centres and nothing has been resolved. All of the assurances Llloyds have given me are just empty words. Reviewed on: 16th October 2024

Great Service from counter to online experience

Great Service from counter to online experience Reviewed on: 11th October 2024

Avoid at all costs.

Avoid at all costs. They will send the payment even when you tell them someone is taking the money without approval. Reviewed on: 27th September 2024

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