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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 4.02 (776 reviews)

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4.02

Based on 776 reviews, last reviewed 24th Jan 2026

400% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

57%

20%

10%

Latest highest rating:

5

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 g... Read more Reviewed on: 24th January 2026

Latest lowest rating:

1

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 pho... Read more Reviewed on: 23rd January 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 (776)

Review of the Lloyds Bank, Classic Account:

Always available and up to date.

Always available and up to date. Clear and easy to use application with lots of good features Reviewed on: 22nd March 2025

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

Refused a bank account even though never been in debt

I went with my husband to open a bank account with Lloyds bank and was turned down for one because they did not like my credit score even though I have never been in debt, have more than £5k in my account and always pay off my credit cards in full every month. What added insult to injury was they opened a bank account for my husband who was bankrupt. Reviewed on: 29th April 2019

Lack of staff

Whenever I go to the bank the queue is always out of the door with only one agent serving. This never used to be a problem just the last 3 years or so Reviewed on: 27th April 2019

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