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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)

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

Simple, Easy To Understand Banking

Lloyds Bank is a bank I've held a current account with for nearly 10 years and their service is always improving. I never have to worry about long queues or phone times, and their internet banking service offers everything I could need. The mobile app is really useful, and I often check it 3-4 times a week, as it saves me time, I don't have to visit the website just to see how much is in my account. Reviewed on: 24th April 2015

Unexplained fees.

ok if fees are explained ro you when opening Reviewed on: 23rd April 2015

I'm them cudtomer over 3 years.

They should change the way how they charge people for using them money. If I use my credit card you already get monay because of it, but you are charging me fir using it as well. The bank account should be free of charge if there is no extra options for the customer. Reviewed on: 22nd April 2015

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