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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 3.91 (801 reviews)

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3.91

Based on 801 reviews, last reviewed 18th Jul 2026

81% decrease in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

56%

20%

10%

11%

Latest highest rating:

5

Staff are friendly Staff are friendly, and I am really happy with the bank application; actually, it is user-friendly Reviewed on: 18th July 2026

Latest lowest rating:

1

I visited the Lloyds Bank Kilburn branch to deal wit... I visited the Lloyds Bank Kilburn branch to deal with a Court of Protection matter for my mother. I explained my situation clearly when I checked in a... Read more Reviewed on: 1st July 2026

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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 (801)

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

Lloyds is just simple, easy, and really helpful.

Yes guys! So far for those two years I never have any problem with Lloyds (but with my previous bank, I'll add as N/C). When you go to Lloyds branch there is always assistant asking you what service you need today. Also inside in Lloyds they have useful machines that you can put money, cheques, etc. Overall very well made bank with long traditional methods with a pinch of modernity. I am so satisfied Lloyds client. Reviewed on: 24th March 2026

As a customer have had fabulous experience and still...

As a customer have had fabulous experience and still enjoying it Reviewed on: 24th March 2026

Im an invester trading, crypto?

Im an invester trading, crypto i love trading amd more more woe Reviewed on: 24th March 2026

Very happy with my current account at Lloyds.

Very happy with my current account at Lloyds. I'm with them for 14 years and I have nothing to complain. The app is easy to use and when someone tried to make some shopping with my card information ( with some lost data from a retailer ), they stopped the sale and inform me immediately. Reviewed on: 24th March 2026

Not Bad But Not Enough

I used Lloyds Bank for a really long time, and for the most part it was decent and reliable for everyday banking. It was actually my main account for quite a while, so I’ve used it across a range of things like daily spending, transfers, and just general money management. Things started to change when I got a new phone. I tried for a long time to add my card to Apple Pay, but it just would not connect at all, which became extremely inconvenient. I genuinely tried to resolve it properly. I contacted customer service multiple times, went into the branch a couple of times, and spoke with different team members, but no one was really able to fix the issue. It kept getting blamed on the system or interface, which was quite frustrating. When I later looked online, I realised a lot of other people were facing the same problem, so it clearly was not just me, but it still did not seem to be getting resolved. Because of this, and the fact that it has now been almost a year, I have pretty much stopped using Lloyds as my main account and instead just use it as a buffer or backup account. I also feel like they do not really offer much, or at least clearly communicate, when it comes to savings accounts and interest. I did not gain much from it, and that is one of the reasons I started using other banks for savings instead. The app itself is fine, but compared to more modern options like Revolut or Monzo, it feels quite basic and less user friendly. It is not as intuitive, and it can take longer to find things or navigate around. Overall, I think the bank is okay, but my experience has not been the best recently. I have had issues where my debit card gets declined randomly and shows incorrect messages about exceeding limits, even though I do not actively use it anymore. Because of this, I do not feel fully confident relying on it. I used to enjoy banking with Lloyds, but now I mainly keep it as an emergency account. I would consider recommending it, but it definitely would not be my first choice. Reviewed on: 19th March 2026

So, I was thinking about know,

So, I was thinking about that big bank, you know, the one with the lion logo. They've been around for ages, offering pretty standard banking services for folks. You can do all your usual stuff with them, like saving, borrowing, and managing your money day-to-day. They're a pretty solid choice if you're looking for a reliable, no-frills banking experience. Nothing too fancy, just good old-fashioned financial support. Reviewed on: 7th March 2026

Would recommend Lloyds bank

First of all i would like to ask if anyone ever wins the prize as i have filled out a few of these and never got a response of who has won? I would give LLoyds top marks as they were very kind to me and sensitive in helping me with my situation, which helped me tremendously to get out of the mess i was in. Everyone i spoke to was empathic and understanding, so cannot rate them highly enough. Reviewed on: 24th January 2026

It’s fine for dusky use but not very rewarding, good...

It’s fine for dusky use but not very rewarding, good customer service Reviewed on: 23rd January 2026

They constantly allow payments which take me overdra...

They constantly allow payments which take me overdrawn and when I questioned why get told to ring up even though it says that i cannot talk on the phone on my file as I'm classed as a vulnerable customer they always ignore my disability when I ask for help Reviewed on: 23rd January 2026

Amazing experience.

Amazing experience. Best customer service Reviewed on: 23rd January 2026

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