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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 4.08 (776 reviews)

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4.02

Based on 776 reviews, last reviewed 24th Jan 2026

400% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

57%

20%

10%

Latest highest rating:

5

Would recommend Lloyds bank First of all i would like to ask if anyone ever wins the prize as i have filled out a few of these and never got a response of who has won? I would g... Read more Reviewed on: 24th January 2026

Latest lowest rating:

1

They constantly allow payments which take me overdra... They constantly allow payments which take me overdrawn and when I questioned why get told to ring up even though it says that i cannot talk on the pho... Read more Reviewed on: 23rd January 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 (776)

Very simple bank account to use.

I have had a bank account with Lloyds for many years although it was originally Lloyds Tsb.I cannot say I have noticed any difference since the two banks went their separate ways. The classic account is basic and I have an authorized overdraft. I can only say I have had no problems and find it easy to use. Reviewed on: 26th August 2015

This no frills and no fees basic account is a good starting point, but in the long-term you'll want (and need) more.

Opening a Classic Account with Lloyds Bank was a very quick and straightforward process. I have been using this as my main bank account for over two years now and have been satisfied with the in-branch customer service, the home banking system and not having to pay monthly fees. It is a good option if you've just moved to the UK or can't get a more sophisticated account for some reason (e.g., unemployed or on a low income). When your circumstances change, you'll probably want a current account that pays decent interest and that gives you access to other perks. Reviewed on: 26th August 2015

OK, but nothing special

I've had a classic account for about 10 years now and i'm fairly happy with it. It's easy enough to transfer funds between accounts with the online portal or I have used phone banking in the past and that has worked well also. I have a credit card linked to my account, but as I used the maximum amount on my card while in hospital, my card was suddenly closed which i find rather strange. Reviewed on: 26th August 2015

Longer than it otherwise should have been

On getting married and changing my surname my assumption had been that my bank would be one of the easier things to change; go in with copy of marriage certificate, sign something, they then change my name in a box on their system...simples, or not as it turned out. I couldn't just go in, I needed an appointment, and the first one of those they had was for two weeks later in the middle of a working day, if I had wanted something outside working hours I think it would have taken until my first wedding anniversary to get it changed! Went I finally got to go for my appointment, it was fairly painless, although they had booked me in with someone who couldn't actually complete the process and had to get others for help. Reviewed on: 25th August 2015

Very good account, no thrills, but exactly what I required.

Account was reliable, and just what I required, no thrills, but perfect for me. Reviewed on: 9th August 2015

Never any problems

I've had a Lloyds classic current account for nearly eight years now, and have never encountered any problems with them. If I've had to go in branch to change an address or talk about loans, they have always been polite and helpful. I really can't fault them at all and because of this i now have two bank accounts as well as an Isa with them. I'd recommend lloyds bank to everyone, always reliable! Reviewed on: 9th August 2015

Excellent Online banking and Mobile app!

Got transferred to this account from the 16-19 year old account (which was even better as I got interest on that). I have not had any problem so far and I use the internet banking and mobile app on weekly basis. Very simple and easy to use. Reviewed on: 9th August 2015

Hidden charges, wrong card sent.

Not told about the charges concerning direct debits and there being insufficient money in account. Which then led to an unplanned overdraft. Never dealt with them via telephone etc only had face to face but very helpful regarding a different issue. However once dealt with that issue they sent me the wrong card for my account so could not use chip and pin. Reviewed on: 9th August 2015

AVOID!

I'm not sure if I've just been really unlucky but everything that could have gone wrong for me has gone wrong. Whether it's replacement cards not arriving (forcing me to queue to get hold of MY MONEY) to a few rude and "so what" customer reps. I am now looking for another bank Reviewed on: 19th July 2015

CHARGES!!

I've been with lloyds bank for a fee years now and regret going with them absolute joke of a bank I've had rude members of staff etc the list goes on but back to the chase I paid £179.50 to intercity telecom and I took my phone in for repair and was charged for the screen I was told by trading standards to fill in a redentant form so I rang up lloyds and told them the story and the filled me up with rubbish lloyds bank have a duty of care so I've made a complaint around the 30th complaint to this disgraceful company that calls it self a "bank" my phone went for repair for the rear camera which my keys scratched it and was also billed for a replacement screen so I still went ahead as it was 1 week without a phone and just wanted my phone back at that point so I've contacted citizens advice etc and they said to speak to my bank and fill a redentant which I tyred and all I got we don't care kinda answer so I've tryed and unsuccessful but that's typical lloyds they are good enough to charge me interest on my savings account WITHOUT MY PERMISSION at the moment I'm not succeeding to getting £108 back which the screen cost me as I bought the contract thinking it was brand new and the screen hasn't been replaced since the day of purchase if lloyds bank don't want to help and that's fine it's only going to make me move bank and wreck this disgusting company and the reputation they have if they have one they can keep crediting my account and bribing me with money but it's not going to stop me destroying this company also I will be closing me account down and moving to barclays there loss my gain Reviewed on: 29th April 2015

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