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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 4.06 (728 reviews)

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3.94

Based on 728 reviews, last reviewed 6th Mar 2025

1700% increase in 5 star reviews

in the past 90 days

40% decrease in 1 star reviews

in the past 90 days

54%

21%

11%

Latest highest rating:

4

Reliable mobile app that makes cash flow and account... Reliable mobile app that makes cash flow and account management more bearable Reviewed on: 6th March 2025

Latest lowest rating:

1

Lloyd's bank customer service staff are so rude they... Lloyd's bank customer service staff are so rude they do not deal with situations great. Worst bank ever Reviewed on: 4th March 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 (728)

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

The Bank that likes to say no!

Been with them 42 yrs no problems, my wife and I had been given incorrect info in that because it was a joint account we couldn't share details like we had she had to have her own online details ok fine, I then tried logging on with mine and after 2 hours of the customer agent telling me I had inputted my password in incorrect which I hadn't, as I hadn't even got to the part of putting the password in! So bottom line is now my wife can access our accounts but I have to wait 3-5 working days for a code to prove who I am?! go figure?! even though it has been my account for 32 yrs before I put my wife on it! They said you will have to use cheques or phonebank- ok who uses or accepts cheques nowadays? phonebank -I wanted to transfer money out of the account into another bank- so now its is your wife there I said no , well you cant transfer that out as its joint!!!!! Annoyed is not the word so now I'm going to say yes...…...to another bank!!!!! Reviewed on: 23rd September 2019

Poor overall service.

After more than one year being a Lloyd's client, I decided to close down my bank account due to the poor overall service this bank provides. These are just some of the reasons: Opening an account in Lloyds is a painful-process: First, there is no chance to open an account online as you need to bring documentation to the bank after completing the application online. As most banks do, they request you proof of ID and proof address to complete your application. However, you must bring them to bank whilst other banks let you send them online. Additionally, when bringing those documents to the bank, you always feel they're trying to find any excuse to refuse them. Personal experience example: They send you an email stating they can accept a letting agreement as a proof of address if the document has been issued by an agency. I brought this document as a proof of address to the bank and they told me they can't accept it since it was issued by a high street agency ("additional" information NOT specified in the email they send you). Obviously, I wasted my time bringing another document the day after. In addition, when opening another bank account (second, third...), they request you again to bring a proof of ID and proof of address (when you are a client already). Considering that you can open a new account in other banks in less than 5 minutes (via online), this service in Lloyds is simply not good enough. App. I've always experienced issues finding information through Lloyd's app (example: Download a bank statement - PDF). The information is not displayed/structured clearly. I have used other banking apps (Metro, Santander, Revolut...etc) and I strongly think they are much better. Opening hours. Most of the branches are not open after 5-6 p.m For obvious reasons, this is an issue if you work during office hours. Other banks open until 8-9 during the week, so you don't need to wait till weekend or find a moment at work if you need to go the bank. Considering all the reasons above, I can't find a single reason to open an account in Lloyds and I'd never recommend this bank, since there are multiple banks in the UK that provide a much better service. Reviewed on: 4th September 2019

Lloyds Classic Account

Always found Lloyds to be excellent, have been with them for over 30 years Reviewed on: 9th June 2019

classic account

I found that the staff in my local branch were very helpful and polite Reviewed on: 9th June 2019

SIMPLY THE BEST

Best for customer service. That's why ive been a customer for 20 years Reviewed on: 4th June 2019

Always there

Very understanding and helpful staff, always willing to do their best. Reviewed on: 23rd May 2019

excelent

i'ts veri good this bank 100/100 I strongly recommend Reviewed on: 21st May 2019

excellent service

I went into the bank to ask a question, I had to wait a couple of minutes and someone from in he offices upstairs came down and found the answer to the question that I needed Reviewed on: 21st May 2019

Good Service

Lloyds are easy and simple to use, especially their online banking. The only bad thing I would say its a very impersonal service Reviewed on: 6th May 2019

Lloyds takeover of MBNA

MBNA have been sold to Lloyds Bank hence all the current problems and bad experiences. Lloyds have a reputation for destroying businesses by trying to fix things that are not broken. I have been with MBNA for twenty years roughly and it was a fantastic service. Over all those years not single problem until Lloyds Bank got their destructive hands on the business. All systems were easy to use and payment online took seconds. Customer Service answered with a real person in seconds and dealt with issues very quickly and within five minutes as a rule. Now Lloyds have given MBNA the kiss of death and the entire system is now a shambles. Customer Service is a joke with half interested and poorly trained staff giving all the wrong information and unable to sort out the most simple of things. If they get involved calls are routinely ignored, no call backs, and advice almost always wrong plus hanging on the line has gone from zero to upwards of an hour listening to music and untrained staff passing the parcel all day. Online payment is often impossible and filled with weird messages ranging from thanking you for making a purchase to telling you are paid then immediately telling you the opposite a few seconds later. Messages then sent to mobile phones ( for those that own them ) can take so long that by the time they arrive the payment session has ended and you have to start again from scratch. That is of course if and when the system is functioning. The platform is a mess and cannot be trusted. Payments arrive late and then you have to start an argument with the elusive and badly trained 'Customer Service' staff that is if you have at least an hour of your life to waste getting nowhere. Good luck with that lot. Even signing in to your own account has become a massive chore and has been littered with trip wires that will lock you out of your own account or send you around in circles. The time has come to steer well clear of what was once the very best card service available until clever cloggs Lloyds came along and decided it knew better ! No wonder Lloyds have been bailed out so many times for messing up. Even the most recent public money bail out seems to have slipped through their fingers. They will never learn. Give this card a miss folks and if you are unfortunate to have one then dump it or risk endless problems and frustration with the famously impossible to deal with Lloyds Bank. A serious business run by rank amateurs and school leavers who think they know it all. Reviewed on: 5th May 2019

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