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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 4.05 (704 reviews)

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3.93

Based on 704 reviews, last reviewed 23rd Jan 2025

50% decrease in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

54%

21%

11%

Latest highest rating:

4

Reliable bank, costumer service is very good. Reliable bank, costumer service is very good. Reviewed on: 23rd January 2025

Latest lowest rating:

1

Lloyds Bank refuses my payments by bank transfers. Lloyds Bank refuses my payments by bank transfers. to my builder and to a financial institution at the branch. I had my passport with me. They asked m... Read more Reviewed on: 21st December 2024

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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.

Lloyds Bank Classic Account reviews (704)

Review of the Lloyds Bank, Classic Account:

Utterly Horrific Experience if You Have Special Needs!

I would give Lloyds Bank zero stars if I could. My experience has been utterly horrific, and I would never recommend them to anyone - especially not those with disabilities or specific needs. Their banking app is completely redundant, as every payment I attempted was blocked with a message instructing me to phone them. I am very severely ill, speech-impaired, and require a relative to speak on my behalf, but Lloyds is not set up to handle customers like me. I first tried using the Relay service to call, but their automated system didn’t allow enough time to input my details before disconnecting. After three hours of exhausting effort on the Relay service, enduring long holds and being hung up on twice, in the end I was told I needed to call a different team at a different time! The next day, with my father’s help, we called again. Despite listing my needs on my application, Lloyds staff showed no understanding of what speech-impairment or severe neurological illness entails. I was forced to speak, despite my extreme limitations, just to confirm basic details. After all that effort, the payment still didn’t go through. A second call was required, where I faced a clueless representative who refused to proceed unless I kept speaking, despite my father being there to handle everything. The ordeal took 45 minutes and caused such a severe relapse in my illness that my paralysis is worsened. To make things worse, Lloyds refused to accept my parents’ Power of Attorney because my account was newly opened. In frustration, I decided to transfer my balance back to my original bank - only for Lloyds to block the transfer yet again, despite it being to an account in my own name!! This entire experience has been a nightmare. First Direct handles similar situations with a simple text confirmation system - no unnecessary calls, no reliving the same exhausting process repeatedly. Meanwhile, Lloyds is stuck in the dark ages, ignoring modern, accessible systems like app-based authentication codes. Lloyds have caused me immense stress, wasted my time, and made my health worse. I will never use them again, and I wouldn’t recommend them to anyone, especially not those with disabilities or complex needs. They're appalling and completely unacceptable. They failed me at every turn, from their lack of accessibility to their outdated processes and poor understanding of my needs as a customer with a severe illness. The fact that they forced me to endure such an ordeal - resulting in worsened health and paralysis - is not just frustrating but downright harmful. Their refusal to take Power of Attorney into account, combined with constant payment blocks (even for transfers to myself), shows a complete lack of regard for customer care and a failure to adapt to modern, inclusive banking practices. Reviewed on: 3rd December 2024

Caroline K

I am kept updated about current products which best suit my lifestyle. Reviewed on: 29th August 2023

Part of the family

I always use the tills at our Aberdare branch as the girls are brilliant. Always so welcoming and friendly and I hope that the branch remains open for many years to come. Reviewed on: 24th August 2023

Reliable banking

Lloyds offers a reliable banking experience with a easy to use app. Reviewed on: 18th August 2023

Good online but hard to get hold of by phone

Good online banking but hard to get hold of by phone Reviewed on: 13th August 2023

A classic 'classic account'

Easy to use, convenient app, immediate money transfers & great customer service. Reviewed on: 7th August 2023

Bank

Lloyd's always helpful and informative Reviewed on: 27th July 2023

Excellent

Excellent customer service and low rate. Reviewed on: 24th July 2023

Probably the worst bank

I have bad experience with Lloyds bank.Every time when I need sent more money(around £1000 I can not do it by internet becouse bank needs authorised the payment in the branch.I have to take holiday for make payments - it is incredibly frustrating.My money my decision and a lots of sensitive questions.For who,from who,who is it for me etc.I have enough .Time change the bank .Definitely I don’t recommend Reviewed on: 23rd July 2023

Best Bank

Never had a problem. Staff are always friendly and professional. Reviewed on: 26th June 2023

Stole all my money I could die as a result

Lloyds took over £200 from my bank account claiming they'd taken it due to a dispute with a third party. They made no communication with me prior to committing theft of my funds. They then barred me from accessing any money in my account stealing the entire balance. I told them to return the money they'd taken, release the rest of my money, and close the account. They refused all three leaving me with no money at all. They illegally barred me from removing MY money from the account then said they couldn't close the account because there is money in it. I now have no money to buy food, drink, or anything else. They were informed there was nobody else going to give me money and I was at risk of dying from low blood sugar or heart failure from malnutrition. They have still refused to return my money and close the account. So at present I'm looking at dying on the street due to Lloyds bank. I opened my first account with them as a child, have never gone overdrawn, made every payment on time on my credit card, and this is how I've been treated. Years ago they were a very good bank. Now they are guilty of financial abuse and pose a threat to public safety. Prior to the theft of all my money, in recent months they harassed me constantly when I tried to make payments stopping them repeatedly and saying they were trying to protect me from fraud. None of these payments were anything out of the ordinary. The result was that they endangered me and cost me money, and refused to compensate me for the money I lost due to their interference with payment. And that's before you consider the harm from your occasion, holiday, etc being ruined, and the mental harm of being left in a dangerous situation with no access to money. Not only have they stolen all my money and fraudulently kept an account open under my identity in the hopes of taking more money that enters the account, they actually owed me money before stealing the whole of my funds due to their interference with payments that cost me money. If you have a vulnerable loved one who banks with Lloyds, I'd recommend you remove their money from this bank whilst you can and close the account. They will happily block payments or steal funds and endanger customers expressing the view a relative or public body will help them. Not only are they a threat to public safety, but they have the arrogance to think public authorities or their customers families should foot the bill for their financial abuse and fraud. Reviewed on: 23rd June 2023

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