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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 3.91 (805 reviews)

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3.91

Based on 805 reviews, last reviewed 2nd Sep 2026

62% decrease in 5 star reviews

in the past 90 days

33% decrease in 1 star reviews

in the past 90 days

56%

20%

10%

11%

Latest highest rating:

5

Great service great service yes yes yes yes amazing... Great service great service yes yes yes yes amazing service Reviewed on: 2nd September 2026

Latest lowest rating:

1

Really poor customer service Up until yesterday I had nothing but good things to say about Lloyds. I changed from another high street bank eight years ago and everything had been ... Read more Reviewed on: 20th August 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 (805)

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

Not good

Staff does not solve your complaint s Reviewed on: 20th November 2019

A safe bet

The anti- fraud team have been incredible. My money feels very safe. They contact me straight away if something is amiss. Reviewed on: 20th November 2019

Was with them 8 years

Was with Lloyd's for 8 years and only needed to contact them once during that time. I was sent from department to department and told to go to branch after this the branch staff told me to call and was eventually told there was nothing that could be done to help. Switched to NatWest in Feb and have had no problems when needing help. Reviewed on: 5th November 2019

Simply The Best!!

Have been a customer of Lloyds Bank for nearly 12 years and have always received excellent service, help and advice whenever I have needed it. Thank you Lloyds Bank!!! Reviewed on: 5th November 2019

A good solid bank account service

Overall a good service. Some of the penalties for late payments/going over overdraft are still a little harsh but good in the main. Reviewed on: 5th November 2019

High Interest and Just a place to put money!

High interest charged everyday if in overdraft-unlike the old standard charge etc. Would not increase overdraft , though have been with them for years. All that is really pleasant is the black horse pictures and memories of an old account number! Reviewed on: 5th November 2019

Best Bank for Everyone

Lloyd's bank is loyal, caring and rewarding towards it's customers. This is the number one bank. Reviewed on: 4th November 2019

Best Bank For Everyone!

Amazing Customer Service, Speedy Sign up, Set up for online and mobile banking is so easy. Overall, if you're looking for a bank that cares about their customers and awards them for being a member, Lloyd's bank is definitely the place to go Reviewed on: 4th November 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

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