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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 4.03 (783 reviews)

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4.03

Based on 783 reviews, last reviewed 28th Mar 2026

1500% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

57%

20%

10%

Latest highest rating:

5

Helped me to get my money back They were really helpful when I faced an issue related to fraud. My account got scamed by a fraudster and I lost all my money. The customer service te... Read more Reviewed on: 24th March 2026

Latest lowest rating:

1

Closed my account with no reason given Lloyds Bank closed both my Current account and Business account. No reason given. Demanded that I repay my overdraft within 30 days. It's ridiculous t... Read more Reviewed on: 28th March 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 (783)

always helpful

If I have needed a quick short term overdraft they have always helped on the same day! Reviewed on: 18th February 2016

They have always looked after when I have needed it!

If I ever needed a quick short term overdraft they have given it straight away - very understanding! Reviewed on: 18th February 2016

Never let me down

I've always had a great experience with lloyds Reviewed on: 18th February 2016

efficient and friendly service

My local Lloyds bank is situated in a small town and the staff amazingly know their customers by name and always make sure there is someone to deal with any queries without waiting around in long queues. Reviewed on: 18th February 2016

Excellent customer service

If I have ever had an issue or query regarding my account, staff members have been approachable and reassuring. They have explained policies to me that I don't understand, and given support and advice in a friendly and professional manner regarding my finances. Reviewed on: 17th February 2016

Friendly over the counter service

Friendly personal service, from experienced customer service personnel Reviewed on: 17th February 2016

Customer service that goes above and beyond.

My experience with Lloyds bank had been a pleasant one from the day that I joined. I walked into the bank one Wednesday afternoon wanting to open an account with them there and then and I walked out 20 minutes later having done just that. I could easily tell from then on, my bank experience was going to be hassle free, I hadn't eve made an appointment yet (the cheek of me) all the staff were wonderfully gracious and took the time to explain everything in explicit detail. However this isn't the incident that made me love my bank with such a strange passion. I'd gone on holiday to Switzerland for 3 days and I'd obviously let my bank know that I would be travelling so that they wouldn't become suspicious of my overseas account activity. I thought I was being so cautious and intelligent but lo and behold I lost my wallet 4 hours after arriving in Geneva like the idiot that I am. Of course panic ensued, I'd been intending on just using my card to pay for things so I'd only taken out a measly amount in cash just in case. I went to the police station but no one had handed anything in yet, I was so fortunate that I was there with friends who'd been smart enough to bring lots of extra money. I ended up calling tweeting Lloyds bank, because my phone decided to stop working in my time of need, and told them what happened in hopes that something could be done. This is when that customer service satisfaction kicked in, a Lloyds employee called the hotel I was staying at and worked with me for almost an hour corresponding to find my account number, to cancel my card and went on the to call the police station in Geneva continuously for me to check whether the card had been found. this partcular employee (named Claire if I remember correctly) went to new heights that she didn't even have to in order to help me, she even found a way for me to transfer all my money into a new account and also into my friends account so that I wasn't stranded in a different country with no money. Furthermore, by the time I came home, a day and a half later, there was a brand new sparkly card in my mailbox! The efficiency was an unexpected gift from Lloyds that I highly appreciated without a doubt. Reviewed on: 16th February 2016

Excellent service

I have had my account for many years, have had excellent service for almost all that time. Reviewed on: 16th February 2016

Never earned a penny from me!

I hated my first account with Lloyds (early 80's) after they charged me £10 for going overdrawn by 3p... so I left the account open for 8 years with no more than 5p in the account post payday making them send me statements etc for the duration so they never earned any cash out of me! Reviewed on: 16th February 2016

Mostly Harmless

Overall, I've enjoyed my time with Lloyd's. The easy to use internet banking and friendly in-branch experience has made me feel secure in having my classic account with them. I'm able to easily keep track of my money, I'm contacted when I need to be but am not inundated with communication, and I was able to make this communication paperless, which causes far less clutter in my life! My only issue with my Lloyds Classic Account is that it was changed to a student account when I was on my gap year, which means my graduate account is due to revert back to classic a year early. I've had some difficulty proving this and getting it fixed - I've been told it's been sorted a couple of times, but it hasn't. However, apart from this hiccup, I've been very happy. Reviewed on: 15th February 2016

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