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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)

Easy and convenient

Online services are great - I can do pretty anything on my account online from the comfort of my home Reviewed on: 24th April 2016

Basic services no interest given

Recently this account has been downgraded to no interest at all. This is to encourage you to have their fee paying account. Not a good move Reviewed on: 24th April 2016

Average and Average

No special rates or facilities here, just a reduced overdraft since Lloyds dropped it's TSB partner. High tariff just for being slightly overdrawn (£6) and high interest rates. One feels they are getting their money back form bad loans and a recession started overseas...disgusting. Customer Service is OK and I like the new quick deposit machines.All very average however otherwise. Reviewed on: 21st April 2016

Difficult to leave

I previously used Lloyds as my secondary current account, however I decided to close my account after I decided their product no longer suited me. In order to close the account and retrieve my remaining funds I had to visit the bank itself, where the representative I spoke to really made it hard for me to claim back my money (not sure why it couldn't just be given to me on the spot, it just seemed overly awkward). As this was a few years back I'm hoping their customer service has improved since. Reviewed on: 28th March 2016

Just great!

They are always very helpful when contacting the bank about something that has gone wrong and are always very quick and professional to sort anything out. A good solid dependable service from a top bank. Reviewed on: 28th March 2016

Best Bank around - Their online service is great!

Good bank, good rates, good customer service and excellent online banking! Reviewed on: 28th March 2016

customer service lax

i had a complaint regarding a problem I had still not been contacted after four emails and been with them years very disappointed in the customer service lately and the few people they have in branch Reviewed on: 28th March 2016

Lazy Customer Serivce in Call Centre

I moved house almost three years ago, and changed my bank address at the time. When I didn't receive a new bank card this January, when my old one expired, I called up Lloyds and they promptly cancelled the card and issued a new one. I asked to check my address, and they confirmed it was correct. Two weeks later, no card. I called again, and this time the guy checked my address and said it had never been updated properly. Almost three years ago, somebody updated my residential address but didn't think to update my mailing address. I then had to go into branch to change my address and re-order my bank card. I was told each time my PIN wouldn't change, but when the new card finally arrived, it had a new PIN number. Overall, lazy service. Reviewed on: 28th March 2016

So easy and simple

I am very pleased with all internet and mobile banking from Lloyds Bank. Website is so easy to use, most of my transactions, transfers and payments I can complete from the comfort of my home. System is very secure and reliable. Reviewed on: 19th February 2016

Excellent

Easy to alter direct Debits, etc on line, fast and efficient. Reviewed on: 19th February 2016

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