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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 3.93 (799 reviews)

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3.93

Based on 799 reviews, last reviewed 1st Jul 2026

40% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

56%

20%

10%

11%

Latest highest rating:

5

Always there for you for whatever it is you require. Always there for you for whatever it is you require. Responds to all enquiries instantly. All information very clear and easy to understand. Reviewed on: 12th June 2026

Latest lowest rating:

1

I visited the Lloyds Bank Kilburn branch to deal wit... I visited the Lloyds Bank Kilburn branch to deal with a Court of Protection matter for my mother. I explained my situation clearly when I checked in a... Read more Reviewed on: 1st July 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 (799)

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

lloyds bank diabolical. stay away

I used my bank card in the US to pay for a fan at argos for my elderly father in a home in Sussex and they put a security hold on my account and did everything they could to keep me from getting it released. A never ending string of security questions that even though i could answer 90% of them, it was never enough. One of the most aggravating experiences in my life. No I don't remember the date i opened the bleeping account 30 years ago! Reviewed on: 9th July 2018

Daily interest on planned overdraft to 'help' their customers

The title says it all. I've had a planned overdraft with Lloyds for years and they now decide that for 'my benefit' they will charge me daily. It makes my statements look like utter nonsense, totally confusing and unnecessary. Reviewed on: 10th May 2018

Nothing special but nothing bad either

It's really like any other bank. I have nothing to complain about but it isn't anything special Reviewed on: 15th April 2018

Moving with the times

I'm really impressed with the amount and quality of the cash back offers that the account offer to customers. The providers are highstreet big names that I would shop at normally and now I get a little back into my account. In comparision my wife has an account with HSBC and their cashback providers on the whole are awful, and for providers you would not normally shop with, or you only get cash back if you shop online with companies you are more likely to shop with on the highstreet. Well done Llloyds! Reviewed on: 5th April 2018

Boo

They wanted to charge me £220 a month if I went £5 overdrawn. Reviewed on: 4th April 2018

Awesome!

Great bank, and always really friendly! I also really love the adverts ^_^ Reviewed on: 11th February 2018

Wouldn't change bank

Great interest rates, customer service and user perks. Reviewed on: 11th February 2018

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