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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 3.90 (805 reviews)

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3.90

Based on 805 reviews, last reviewed 2nd Sep 2026

62% 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

Great service great service yes yes yes yes amazing... Great service great service yes yes yes yes amazing service Reviewed on: 2nd September 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 (805)

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

Just great!

Always helpful on the phone if something goes wrong (hardly ever) - great in branch with friendly staff and modern ATMs. Good solid account but this base account has no interest paid. Reviewed on: 13th February 2016

Excellent service

I like the bank and the account, first class customer service. Reviewed on: 12th February 2016

Best Bank

I am with Lloyds Bank since 2006 ,never had any problems,best bank in England. Every branch staff are so helpful,always happy to go in and ask some questions ,and sort out things if needed . Reviewed on: 12th February 2016

Professional and security conscious - overall adequate

Professional service. Often kept up-to-date with new promotions and opportunities. Interest rates could be a little more competitive. Feel safe banking with them - trusted and reputable. Reviewed on: 12th February 2016

Faultless

I love Lloyds - when a payment went missing once, a real person on the phone sorted it out very quickly and all was corrected in a matter of hours. Been with them for years, faultless! Reviewed on: 12th February 2016

Supported me since I was 15

I love my bank - they've supported me right form when I was 15 and just wanted to get cash out to being a student, and now being full time employed. They are great! Reviewed on: 12th February 2016

Faversham branch helped me a lot

When my father died, they couldn't do enough to help me sort out his financial affairs. They really went the extra mile at a difficult time. Faversham branch. Reviewed on: 12th February 2016

Cup of tea and a friendly face

i love my local lloyds bank. nothing is ever too much trouble for them. they recently saw i was upset over something and sat me in a quiet room with a cup of tea and a friendly face for a chat while i calmed down. love them to bits Reviewed on: 12th February 2016

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