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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 4.05 (704 reviews)

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3.93

Based on 704 reviews, last reviewed 23rd Jan 2025

50% decrease in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

54%

21%

11%

Latest highest rating:

4

Reliable bank, costumer service is very good. Reliable bank, costumer service is very good. Reviewed on: 23rd January 2025

Latest lowest rating:

1

Lloyds Bank refuses my payments by bank transfers. Lloyds Bank refuses my payments by bank transfers. to my builder and to a financial institution at the branch. I had my passport with me. They asked m... Read more Reviewed on: 21st December 2024

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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 (704)

Review of the Lloyds Bank, Classic Account:

Utterly Horrific Experience if You Have Special Needs!

I would give Lloyds Bank zero stars if I could. My experience has been utterly horrific, and I would never recommend them to anyone - especially not those with disabilities or specific needs. Their banking app is completely redundant, as every payment I attempted was blocked with a message instructing me to phone them. I am very severely ill, speech-impaired, and require a relative to speak on my behalf, but Lloyds is not set up to handle customers like me. I first tried using the Relay service to call, but their automated system didn’t allow enough time to input my details before disconnecting. After three hours of exhausting effort on the Relay service, enduring long holds and being hung up on twice, in the end I was told I needed to call a different team at a different time! The next day, with my father’s help, we called again. Despite listing my needs on my application, Lloyds staff showed no understanding of what speech-impairment or severe neurological illness entails. I was forced to speak, despite my extreme limitations, just to confirm basic details. After all that effort, the payment still didn’t go through. A second call was required, where I faced a clueless representative who refused to proceed unless I kept speaking, despite my father being there to handle everything. The ordeal took 45 minutes and caused such a severe relapse in my illness that my paralysis is worsened. To make things worse, Lloyds refused to accept my parents’ Power of Attorney because my account was newly opened. In frustration, I decided to transfer my balance back to my original bank - only for Lloyds to block the transfer yet again, despite it being to an account in my own name!! This entire experience has been a nightmare. First Direct handles similar situations with a simple text confirmation system - no unnecessary calls, no reliving the same exhausting process repeatedly. Meanwhile, Lloyds is stuck in the dark ages, ignoring modern, accessible systems like app-based authentication codes. Lloyds have caused me immense stress, wasted my time, and made my health worse. I will never use them again, and I wouldn’t recommend them to anyone, especially not those with disabilities or complex needs. They're appalling and completely unacceptable. They failed me at every turn, from their lack of accessibility to their outdated processes and poor understanding of my needs as a customer with a severe illness. The fact that they forced me to endure such an ordeal - resulting in worsened health and paralysis - is not just frustrating but downright harmful. Their refusal to take Power of Attorney into account, combined with constant payment blocks (even for transfers to myself), shows a complete lack of regard for customer care and a failure to adapt to modern, inclusive banking practices. Reviewed on: 3rd December 2024

I've been with Lloyds as long as I can remembe

I've been with Lloyds as long as I can remember and have never felt the need to switch. The banking is easy, never any unnecessary troubles and they communicate well. Reviewed on: 15th February 2024

Does what it says on the tin

The Lloyd’s classic account does what it says on the tin. There are some cash back bonuses you can access which are nice. The Lloyds app is very easy to use, and I like having online bank statements Reviewed on: 7th February 2024

Appalling customer service

Appalling customer service I was kept on hold with Lloyds dispute team for well over two hours trying to get money refunded which wasn't done as promised by in branch staff only to get no help and Lloyds stating my account doesn't exist despite physical evidence it does, had to order a completely new card go without access to my account for three whole days. There phone and local branch if you could reach someone had absolutely no idea what was going on in their own system their phone and staff either need additional training or a complete overall me and others have found them to absolutely useless. Reviewed on: 25th January 2024

Savings accounts pay minimal interest.

Savings accounts pay minimal interest... Why would I save with Lloyd's? Reviewed on: 18th January 2024

Good current account, easy to use

Good current account, easy to use Reviewed on: 11th January 2024

Was scammed and Lloyds would not do a chargeback.

Was scammed and Lloyds would not do a chargeback. Looking to leave once finance paid off. Reviewed on: 9th January 2024

Lloyds bank

Great helpfull.. Good advice I'd is safe on-line banking easy and safe.. Reviewed on: 9th October 2023

avoid

rubbish bank , they blocked my transactions, threatened by suspended my account, also did it, i cannot stand them. Reviewed on: 28th September 2023

very happy

always working, i am very satisfied with their products Reviewed on: 12th September 2023

Racial profiling

They hard searched me two times on the same day for one request and refused to contact the agency to take one down when called out for it Reviewed on: 30th August 2023

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