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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)

Professiinal bank and friendly staff

Someone always there on hand to help with anything, had a couple of issues throughout my banking years with them and have been dealt with efficiently in a superb time scale. Very friendly staff, a few who go above and beyond to help without prompting. Overall great bank and fantastic service Reviewed on: 10th February 2017

Friendly and reliable!

Friendly and reliable! They are always happy to help and very clear on what you are getting. Easy to contact and communicate with, and I feel happy banking with them! Reviewed on: 9th February 2017

Lloyds is good although the only branch in Brighton is not very accessible

Since Lloyds split from TSB, it has only one branch which is quite a walk from the centre of town which is inconvenient on the occasions I need to go into the branch Reviewed on: 9th February 2017

No little fish looked after

Poor customer service had to chase several departments over several months to get something simple sorted Reviewed on: 5th February 2017

Charges High but service good

I have been with Lloyds for 12 years now and on the whole have been happy. I've easily been able to increase and decrease my overdraft as desired. I haven't been bombarded with attempts to sell me other products and their online banking app is fantastic. Quick and easy to use. The only issue I've ever had was when my account was hacked and emptied out. I did get my money back eventually but it was quite a slow process. Since then I think they have improved security because I entered my card details incorrectly once on a website and they temporarily blocked my account incase it was fraudulent which is good. If you ever need to phone customer services it can be quite slow getting through, but once you do the guys on the other end are always really polite and helpful. The charges for having an overdraft are quite high though. Reviewed on: 5th February 2017

Good and bad points

I have had a mixture of good and bad experiences with Lloyds bank... once they accidentally took away my overdraft leaving me short for a few days but after sorting it out in the bank and over the phone they reimbursed me for hassle, phone calls etc and haven't had issues again. Their iPhone app is one of the best that I've used and very useful to have. Reviewed on: 5th February 2017

Amazing Customer Services

Brilliant 24 hour internet banking able to use worldwide ~ all my family bank with lloyds ~ very quick easy transfers even with using a mobile phone as a text Reviewed on: 4th February 2017

Great bank

Nothing's too much trouble for all the staff at my local lloyds and my classic account works well for me Reviewed on: 3rd February 2017

savings

We were wanting to open up a savings account for our 3 children. We rang to make an appointment and we got the appointment within a couple of days. We arrived early and did not have to wait long and we were seen before our appointment time. Very helpful member of staff,went through all our options with no pressure of taking a certain account. We did not feel rushed, everything was explained so it was easy to understand. We opened the accounts that day and paying in to our childrens accounts is really easy and takes seconds with online banking Reviewed on: 3rd February 2017

Classic Account

I have always found the staff in my local branch to be most helpful. I do think the Classic Account could offer the higher rate of interest on a larger amount than at present Reviewed on: 3rd February 2017

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