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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 4.03 (783 reviews)

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4.03

Based on 783 reviews, last reviewed 28th Mar 2026

1500% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

57%

20%

10%

Latest highest rating:

5

Helped me to get my money back They were really helpful when I faced an issue related to fraud. My account got scamed by a fraudster and I lost all my money. The customer service te... Read more Reviewed on: 24th March 2026

Latest lowest rating:

1

Closed my account with no reason given Lloyds Bank closed both my Current account and Business account. No reason given. Demanded that I repay my overdraft within 30 days. It's ridiculous t... Read more Reviewed on: 28th March 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.

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Lloyds Bank Classic Account reviews (783)

Very helpful

Always helpful in branch and on the phone Reviewed on: 13th January 2019

Does what it says on the tin....

Normally efficient and accurate, normally decent customer service Reviewed on: 13th January 2019

Expensive charges from the Horse

Charging everyday for overdraft has become expensive and not cost effective. No special perks from them, all though having been with them for a number of years. Reviewed on: 12th January 2019

Extortionate

Overdraft charges are extortionate and their customer services agents seem to have no idea what they are talking about and even contradict themselves in the same sentence! Reviewed on: 12th January 2019

Great improvements made for the customer

Lloyds have done their best to right their previous wrongs against customers and because of this they are now a bank I would recommend. Reviewed on: 12th January 2019

Does what is on the tin

The Lloyds Bank Classic Account doe basically pretty much exactly what you would expect it to do, which is all you want really. Reviewed on: 12th January 2019

After nearly 30 years I'm leaving. Deeply disappointed.

After nearly 30 years I'm leaving. I'm fed up of calling call centre staff with sarcastic and rude attitudes. They are are either so overworked that they can't be pleasant or just enjoy being rude. Quite frankly I'm not quite sure where they get off talking to people like the do. I have never ever been in debt on my account and I've stupidly struggled along with them having very limited in our city because they shut their branches. Online is ok but telephone banking is really shoddy. I currently can't get at my money because of some problem they've got with their system for over a week now. They are condescending and rude when you talk to them and offer no way of resolving the problem. So I am left unable to access my money and apparently that's fine. I'd have liked to put no stars because really is this work of a normal functional bank? It's sad that after such a long time with them, the only course of action that is left to me is to switch banks. What can I say if you're looking for friendly and can do attitude, this is definitely not the bank for you. I don't think their staff give a toss about the problems the cause. I wouldn't care but they've got my money and not the other way round!! Reviewed on: 10th January 2019

Great service online and in bank

With a great App and online service , great security and services both in and out of branch. No problems encountered. So much easier to use than other banks. Reviewed on: 10th January 2019

Easy and Simple

Always straight forward to deal with the bank, online services cover almost everything you need to do and when having to deal with the bank in person or on the phone, still and simple and pleasant experience Reviewed on: 9th January 2019

A shining example of what a modern bank should be

Lloyds are a forward-thinking, progressive and friendly bank that offers serious banking and financial services. They are customer-focused and flexible. Whilst I do most of my banking online or on the app, I always find a visit to a branch is smooth and hassle-free. Although I have tried other banks too, I think Lloyds is by far the best experience for my current account and daily banking needs. Reviewed on: 8th January 2019

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