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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 4.03 (796 reviews)

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4.03

Based on 796 reviews, last reviewed 28th Apr 2026

20% 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:

4

Improved massively, still room for more. Lloyds have improved massively, but before the pandemic they were a bit of a mess, specifically in their anti-fraud triggers going off CONSTANTLY and ... Read more Reviewed on: 28th April 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.

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Lloyds Bank Classic Account reviews (796)

Pushy

I can't complain that much about Lloyds Bank. I've been with them for almost 9 years and have always been happy with my debit card, online account and the mortgage advisors. However, what I don't like is having phone calls asking me to have a meeting with them where they try to push me into changing my account to one I pay more for and having a letter through the door each month asking me to get a credit card. If I want a credit card, I'll get one, I'm not going to be harassed into getting one. Reviewed on: 12th January 2017

Lloyds Bank

Had fantastic customer service when I have had issues. Reviewed on: 12th January 2017

A dreadful experience

Lloyds bank is the worst bank I have encountered so far. I've had accounts both in Europe and the US and was amazed to receive such service from a bank, situated in a first world country. Had to book an appointment to open up an account. Fine. 6 days later I show up with the documents I was asked to provide to be turned down. Apparently, the person that booked the appointment forgot to mention important details around the documents. The interviewer (Adele Price) wasted another 20 minutes of my time going back and forth with my documents claiming she was doing a check. She obviously had no clue about a lot of things and that was evident from her constant use of the bank's search engine. Therefore, I would not be surprised if she was, in fact, seeking assistance from someone more competent while 'checking'. I have also visited Lloyds in Cardiff. Should have concluded the bank is rubbish back then as one of the employees refused to give a customer a piece of paper when he requested it. Very cheap Reviewed on: 9th January 2017

No interest in their customers

After they stopped the interest in my husbands, daughters and my account we decided to look at alternative bank accounts even though we had been loyal customers for all our banking life. We had noticed in the last 2 years several things that had made us unhappy including poor customer service and being told wrong information. Reviewed on: 9th January 2017

Amazing bank

unauthorized overdraft fee only 10 pounds. excellent cutomer service. refunded my account after someone stole and used my card. excellent and easy to use online banking, Reviewed on: 8th January 2017

Great Customer Service

I have used Lloyds since I was very young. I would never consider leaving I get no calls, staff on the phone are always helpful and in my local bank the staff are always so helpful. They are friendly and efficient and helpful, even patient when showing us new things like cash in and cheque machines which save time! Reviewed on: 4th January 2017

Lloyds

Been a customer for over 20 years, never had any problems with them, good customer service when I have needed to contact them. Reviewed on: 3rd January 2017

excellent customer service

they go above and beyond in the rare occurance of a payment or deposit going missing. great customer service! Reviewed on: 24th December 2016

ok,but don't go overdrawn

I was a customer of Lloyds for over 40 years but changed about a year ago.Very rarely,if ever,did I go overdrawn on this account,but I did on this occasion as an amount on my debit card went through for £200 instead of £20,thus making me overdrawn..Anyway I was charged a FEE + interest and no amount of trying would make them change their minds. I will never bank with Lloyds again. Reviewed on: 24th December 2016

Wanted contactless

Went into my local branch to ask about changing my card to a contactless one, I was told that technically as my card was not up for renewal that they couldn't issue a new one. Instead, the advisor was able to raise a new one by going through various different screens resulting in me having a contactless card. They were more than helpful at the branch and I can't fault them. Reviewed on: 24th December 2016

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