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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 3.96 (797 reviews)

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3.96

Based on 797 reviews, last reviewed 31st May 2026

30% increase in 5 star reviews

in the past 90 days

50% increase in 1 star reviews

in the past 90 days

56%

20%

10%

11%

Latest highest rating:

5

Lifetime user of Lloyds. Lifetime user of Lloyds. They are a good bank - they explain credit products fully and all staff on hotlines and in branch that I’ve dealt with has be... Read more Reviewed on: 31st May 2026

Latest lowest rating:

1

Lloyd's bank stole from my account! Lloyd's bank stole money out of my account without my authorisation, they put me in debt of thousands of pounds.. I will never forgive them for what t... Read more Reviewed on: 25th April 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 (797)

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

Never needed to change

Had this as my classic account since opened my first bank account at 16 years of age. Always been reliable, honest and dealt with any issues I had quickly. Reviewed on: 7th November 2018

Easy to manage

Warnings when near limits and ullage to top up when funds are low. Really useful for those lean months. Reviewed on: 6th November 2018

Pretty good

It's the only bank I've ever used, but they're pretty good, and I've never been annoyed by any of the service given to me, either in person, over the phone or online. That should be the highest praise one could give. Reviewed on: 6th November 2018

Great!

I have been with Lloyd’s bank and had a classic account since I was 19 years old and I have never had a problem. I like the little added extras like getting money back from purchases you have made from certain shops or companies. Also the online banking app is so easy and simple to use! Reviewed on: 6th November 2018

Always there to help

A few years ago I was quite ill and in and out of the hospital. This meant I was bed bound and unable to go to work, which at the time was a cash in hand job and meant I didn't get any sick pay. From rent and bills I went into my emergency overdraft quickly and was charged fees for this service. I rang up as I didn't know what the fees were and after I explained my situation they wrote off my overdraft fees straight away. Reviewed on: 6th November 2018

Very trustworthy

I get emails teaching me what to look out for and I think they are very trustworthy Reviewed on: 6th November 2018

Good customer service, poor criterias

Great customer service they always help whenever you need it as much as they can. Unfortunately their internal lending criteria allows customers too easily to overstretch themselves for borrowing, and the recent changes to their overdraft fee structure caused a lot of problems for those deep into an overdraft! Reviewed on: 6th November 2018

Helping hand

I find banking app simple and easy to use with very quick transfers between accounts.. my local branch have always he super helpful from giving me advice about finances to printing months worth of bank statement with no charge they even stapled them and gave me a envelope... ive never had a problem with charges ...massive thumbs up from me Reviewed on: 2nd September 2018

Unhelpful!

I really wanted to open a bank account with Lloyds. I went back there for four times and everytime they all said something different about my documents. The 3rd time my NI number letter didn’t have my recent address on there but proof of address was all fine. The 4th time she said that they cannot accept the proof of address whilst the other lady said that the letter was acceptable!!!! 4 times I went back and the last time (Friday afternoon at Commercial Road, Portsmouth) the lady was so bitchy she didn’t help me at all that is awful customer service!!! I opened an account with Santander and they were so helpful! Don’t go to Lloyds they apparently don’t want any new customers. Reviewed on: 28th July 2018

Bad customer service

I like the mobile app as its easy to use. However when I want to talk to someone face to face, I find it difficult. Reviewed on: 17th July 2018

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