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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 3.91 (801 reviews)

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3.91

Based on 801 reviews, last reviewed 18th Jul 2026

81% decrease in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

56%

20%

10%

11%

Latest highest rating:

5

Staff are friendly Staff are friendly, and I am really happy with the bank application; actually, it is user-friendly Reviewed on: 18th July 2026

Latest lowest rating:

1

I visited the Lloyds Bank Kilburn branch to deal wit... I visited the Lloyds Bank Kilburn branch to deal with a Court of Protection matter for my mother. I explained my situation clearly when I checked in a... Read more Reviewed on: 1st July 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.

Lloyds Bank Classic Account reviews (801)

Review of the Lloyds Bank, Classic Account:

Switch from Lloyds at all costs

Awful app. Awful customer service. Awful everything. Awfiln company. Avoid. Avoid. Avoid. Reviewed on: 10th July 2019

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

Absolute Rubbish

Lloyds Bank breached Data Protection on several occasions and would not admit it until they were reported to the ICO and the beaches were confirmed! Rude staff and constant marketing regardless of unsubscribing. Reviewed on: 3rd December 2016

Works well

Always good customer service, never really had any problems! Reviewed on: 29th November 2016

Excellent all round service

I have never had any problems with my account. I find it easy to use, never had any mistakes and when I have dealt with phone banking they are polite, efficient and courteous . Online banking is straightforward and easy to use. I always recommend Lloyds as I go by experience and not hearsay..... Reviewed on: 26th November 2016

Straight-forward service

When I joined the bank I found them helpful and straight-forward. I can set up alerts for my funds going below a certain level, and I get a weekly text to let me know my balance. I like the online banking system, and have since opened further accounts easily and they are all shown in one place. Overall a satisfactory experience. Reviewed on: 24th November 2016

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