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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

Securing a better future

Without a doubt always helps in any situation in the best way they can. Reviewed on: 23rd June 2023

Straight forward bank account

My Lloyd's bank account is easy to access online. I like the weekly notifications telling me how much I've spent. It's easy to manage my money, pay bills and access my statements. Reviewed on: 20th June 2023

Hit and miss

A very trustworthy bank, where I hold several accounts of different types. The main issue of late is the lack of access via the app, which always seems to be crashing or undergoing maintenance. The website is not much better for access and fails to work on Firefox browsers. However, I feel my money is safe in their hands and transfers are the easiest to and from Lloyds by far. Reviewed on: 7th June 2023

Just a good card

Just a good card from a good company, no major issues Reviewed on: 4th June 2023

Trust,profi and secure

I am very happy with my partener Lloyds bani and I feel safe and secure keeping money on them! Recomend!❤ Reviewed on: 2nd June 2023

Lloyds Bank is the BEST Bank!!!

I’ve been with Lloyds ever since I was 16 when I first received my first ever bank account. I’m now 27. Lloyds bank have been brilliant to me. I’ve struggled a lot with my finances and I’ve never felt any timely pressure to pay the full amount back in a short burst. Another benefit of being with Lloyds is if you have an easy saver account (I have 2!), they actually give you interest depending on how much is in the account(s). I’m not looking to change bank anytime soon! Cheers Lloyds!! Reviewed on: 1st June 2023

Great Account

East to use and trouble free current Account. Great on line banking Reviewed on: 1st June 2023

Best Bank

I love everything about lloyds. I opened a classic account and it has bedn of great use since I started university. Reviewed on: 1st June 2023

Excellent

The Best Bank for me and my family, always helping us, my money is in the safe place, good customer attention Reviewed on: 1st June 2023

Fantastic easy process!

Lloyds Bank is so easy going, the app flows really well and rarely has any kind of technical issues. It’s very easy to navigate and there a lots of options such as save the change which is helpful as it really does add up. I highly recommend using Lloyd’s bank, on top of this the staff are always welcoming and friendly too in the branch! Reviewed on: 31st May 2023

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