Write a review

Newsletter

Go to business site

Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 3.88 (804 reviews)

View other Lloyds Bank products

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

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 (804)

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

Bank as a whole

Lloyds bank has been my bank since 2009 and Im happy to say that it's the best bank in the U.K. Not only do they have friendly and supportive staff on the phone and in branch but even check your balance or transferring money through the banking online is easy, safe and secure. Reviewed on: 20th December 2016

Problems every step of the way

As I am an Australian on a working holiday visa I was limited in my options of banks who would allow me access to a UK bank account but I was recommended Lloyds as they just need proof of residence. Besides the lovely customer service I received on each occasion, each and every step I have taken with lloyds has been an issue. I went to apply in branch but they told me to apply online, errors with online form created issues, they didn't copy the appropriate identification the first visit after my online application even though I provided it all, told me I should have applied in branch to have made it smoother and quicker, average 40min wait in line to speak with cashier, I have received my PIN in the mail but am still yet to receive my bank card since opening account 6 weeks ago. Couldn't be more disappointed!! Wish I never opened my account with lloyds. Reviewed on: 9th December 2016

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

Reward current account
from Halifax 4.44 from 205 reviews
Bank account (discontinued)
from N26 (inactive company) 4.52 from 64 reviews
Current account (discontinued)
from Clydesdale Bank 3.92 from 61 reviews

Want to see more from Lloyds Bank?

Easy Saver
from Lloyds Bank 4.60 from 76 reviews
Club Lloyds current account
from Lloyds Bank 4.46 from 686 reviews
Personal Loan
from Lloyds Bank 4.37 from 61 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