Write a review

Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 4.06 (730 reviews)

View other Lloyds Bank products

3.95

Based on 730 reviews, last reviewed 9th Mar 2025

1900% 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:

5

England Best High Street Bank Lloyds Bank’s Classic Account offers reliable banking with easy online and mobile access. Customer service is generally good, though wait times can be... Read more Reviewed on: 9th 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

Read all reviews See your review

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 (730)

Review of the Lloyds Bank, Classic Account:

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

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

do NOT bank with LLoyds

1st - why have an automated telephone menu system that forces you answer a lot of questions only to say that customer service is only available 8am-6pm = start with that instead so the customer can hang up immediately 2nd - why close branches and have everyone do internet when you don't support internet banking 24/7 3rd - the automate systems/internet banking absolutely sucks as it does NOT fully support international mobile numbers or international trnsactions Reviewed on: 21st September 2024

What a joke of a banking company.

What a joke of a banking company. After fraudulent activity on my account I made a claim which was paid back into my account. I had to cancel my card and wait over 10 days for my new 1 to arrive. 4 weeks later they have re-debited the money stating it looks like I had involvement. Each fraudulent activity had a non-gbp transaction go along with it so was made outside of the uk. Even though I was using my card in my home town the same time these fraudulent activities were happening they still say it was me. So now apparently I can cut myself in half be in the USA and UK at the same time. The fraud department over the phone couldn't help as it was passed to the back office where the only form of contact is via email.... which they never reply to. So in a nutshell if you want your money to stay safe AVOID lloyds at all cost. If like me are already with them swith to a more reputable bank ASAP Reviewed on: 14th September 2024

Whenever I have had a problem Lloyds bank is always...

Whenever I have had a problem Lloyds bank is always there to help me Reviewed on: 4th September 2024

Trustworthy bank

Lloyds bank has always been there for any kind of financial help. There's always a solution with them. Very easy to manage the account and the customer service deserves separate appreciation. Nice and comfortable with their debit card. They are very trustworthy. Reviewed on: 23rd August 2024

Do you have a different Lloyds Bank product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

FlexDirect
from Nationwide 4.36 from 266 reviews
Classic Plus Account
from TSB 3.89 from 166 reviews
Current Account
from Cynergy Bank 1.00 from 1 reviews

There's still more to see!

Lloyds Bank has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub