Write a review

Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 4.08 (761 reviews)

View other Lloyds Bank products

4.02

Based on 761 reviews, last reviewed 5th Sep 2025

81% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

56%

20%

11%

10%

Latest highest rating:

5

Would totally recommend Lloyds Bank Plc Excellent customer service, the staff went above and beyond to help me and really listened and empathised with my situation. They helped me feel alot... Read more Reviewed on: 5th September 2025

Latest lowest rating:

1

Easy banking happy with service bank review Easy banking happy with service been a customer for 30 years Reviewed on: 2nd April 2025

Read all reviews Write a review

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.

Review Lloyds Bank: Classic Account now

Help others make smarter decisions by sharing your own experience.

Write a review

Lloyds Bank Classic Account reviews (761)

Longevity

With over 30 years banking with them I have always had confidence in their products and services. Reviewed on: 15th November 2017

Great bank with simple views

I love Lloyds and find that they have been the best bank for me so far. They provide simple sign ups to their accounts and their customer service is fantastic. Reviewed on: 15th November 2017

Lloyds are excellent

Excellent customer service. Answer the phone quickly. Reviewed on: 12th November 2017

Happy customer for over ten years

I have been with Lloyds bank for over 10 years they do cash back offers with different companies, I also recently received a purchase paid back which is one of their schemes too, the only negative is the new daily overdraft fees on top of monthly fees, I am now paying my overdraft off, as it adds up over the weeks and months. Reviewed on: 10th November 2017

Easy to sign up, high charges.

Lloyd's is easy to open an account with when you arrive in the UK and don't charge a monthly fee for the a/c but their charges are high. Reviewed on: 8th November 2017

Fantastic and easy to use

Lloyds provide a fantastic customer service whether in branch or over the Internet. Reviewed on: 8th November 2017

A mixed bag

I've banked with Lloyds for a long time (over a decade) and in that time I've even worked for them through the period when Lloyds Banking Group was splitting into separate entities again. In that time I've seen how the call centre operates - it may have improved but the atmosphere was decidedly sales oriented even though I was in a Customer Service role. I was pressured to meet targets for selling loans, credit cards, insurance and bank accounts, often with limited knowledge of the products themselves. Good customer service was rewarded secondly to hitting 8 sales in a day, this meant there was little incentive to provide it and I frequently dealt with unhappy customers who had been bounced from pillar to post without their actual query being resolved. I believe shortly after I left many banks including this one were investigated by the FCA in regards to this area. As a customer since I've had 3 primary encounters: 1. They accidentally took me off my student account and made me a graduate account while I was still studying (my course was 4 years long and they somehow changed it early in my 3rd year). 2. They were fantastically helpful when I was scammed by a letting agency and got back almost a £1,000 for me in 2 days after weeks trying to resolve it elsewhere. This was fantastic customer service. 3. They changed the overdraft system which is now horrendous and seems to now make customers who are already struggling, worse off, and potentially unable to leave the bank as they are in a planned overdraft. They have also capped their goodwill redress of unplanned overdraft charges from £80 to £40 seemingly. This is a bad sign and ultimately seems detrimental to the customer. For this reason I will likely be taking up a switching offer and moving to another bank. So mixed - great support through their fraud and scam department. But the products themselves and the first point of contact - not great. Reviewed on: 8th November 2017

A pleasure to bank at Lloyds

Its just always a pleasure to bank with Lloyds Great Customer service Reviewed on: 8th November 2017

No charges

No bank charges and shopping rewards offered Reviewed on: 8th November 2017

Great Service

Lloyds have always treated me very politely and with professionalism. My local bank in particular is really nice to visit. Reviewed on: 8th November 2017

Do you have a different Lloyds Bank product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Current Account
from thinkmoney 2.65 from 70 reviews
Student Current Account
from Halifax 4.57 from 10 reviews
Cashback Plus Debit Card
from RBS 3.46 from 4 reviews

Want to see more from Lloyds Bank?

Travel Money
from Lloyds Bank 4.73 from 3 reviews
Student Mastercard Credit Card
from Lloyds Bank 4.61 from 7 reviews
Help to Buy ISA
from Lloyds Bank 4.44 from 7 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub