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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 3.88 (804 reviews)

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3.88

Based on 804 reviews, last reviewed 21st Aug 2026

58% 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

Always been helpful if I’m in a bad spot Always been helpful if I’m in a bad spot Reviewed on: 21st August 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.

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Lloyds Bank Classic Account reviews (804)

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

I love Lloyds!

When Lloyds and TSB broke up i consdiered moving banks! So glad i didnt. The app is brilliant and im constantly impressed with its features and ease of use ! Thanks Lloyds..going it alone wasn't so bad after all! Reviewed on: 8th November 2017

Decent Enough

Fine, easy to access in branch but phone service needs work. There are very few perks for new customers and almost nothing to keep existing customers really which encourages you to look elsewhere. Reviewed on: 8th November 2017

Nothing special.

I can't complain like Santander customers would be entitled to, but the returns on this account are rock bottom, with no reward for loyalty whatsoever. In addition to the new overdraft charge overhaul, it feels less consumer friendly than ever. Reviewed on: 8th November 2017

Bank for life

I've always been a customer of Lloyds Bank since I opened my first 'proper' account when I was a teenager. I've never had any issues and always receive great customer service. Why would I go elsewhere?? Reviewed on: 8th November 2017

Easy to use account with benefits, like interest and savings bonus

Always friendly and helpful if you use the branch, online banking great and App is too Reviewed on: 8th November 2017

Best bank ever

The staff at Lloyds are very present and go above and beyond to help you. Reviewed on: 8th November 2017

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