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Lloyds Bank: Platinum Added Value Account reviews

Name: Platinum Added Value Account
Rating: 3.49 (41 reviews)

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3.72

Based on 41 reviews, last reviewed 23rd Jan 2026

300% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

50%

12%

24%

Latest highest rating:

4

Travel & mobile insurance included plus AA breakdown... Travel & mobile insurance included plus AA breakdown cover. Cashback rewards also from shops and services. Reviewed on: 23rd January 2026

Latest lowest rating:

1

Check that you are covered Having paid for this card since May 2023 I happened to ring the AA to discover my name was not registered with them! Despite almost three hours on the... Read more Reviewed on: 16th March 2024

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About this product

Lloyds Bank Platinum Added Value Account reviews come from people like you! With so many different current accounts now available, you can read these honest Lloyds Bank Platinum Added Value Account reviews to find out what life as a Lloyds Bank customer is really like. And remember, if you are a Lloyds Bank customer, you can write a short review here to help other potential customers. Smart Money People is the UK's leading financial services review site and dedicated to being an independent and honest source of Lloyds Bank Platinum Added Value Account reviews. Together, we can make financial services work better for everyone.

Lloyds Bank Platinum Added Value Account reviews (41)

Review of the Lloyds Bank, Platinum Added Value Account:

Long Time user, only so-so

Have taken advantage of phone insurance and travel insurance when bag stolen on holiday, very swift and quick to claim. also peace of mind with car assistance, but not used. Else day to day dealings are good. Reviewed on: 18th January 2017

They rip customer's off

Don't go with this bank they have No scruples they have had 1000 in bank charges they r not a good bank Reviewed on: 16th August 2017

Platinum Account Perfect for Families

This account gives an added piece of mind by having your phone, break down and travel insurance all in one place. To be clear though there is a monthly fee. Lloyds were so helpful when I needed to go on holiday and discovered I was pregnant just before flying. They swapped my travel insurance to family insurance and ensured we knew everything we needed to before we left. I would recommend Lloyds to everyone who needed these items. Reviewed on: 23rd July 2017

Awful The fawlty towers of banking

A catalogue of ridiculous mistakes since joining them two months ago, each mistake unable to be fixed properly without numerous complaints raised on my side. Call handlers don't possess the basic skills to perform their job properly and this resulted in my card being cancelled and me being unable to gain access to my money. Compensated each time but this is purely to close down the fault and prevent you speaking to the Ombudsman, mistakes keep occurring which is unacceptable and the simplest of tasks seem beyond staffs capability. 1. No overdraft added to account upon opening one despite one being arranged and authorized at time of application. No card sent on time and several never even turned up. Cards came with incorrect names and title. Card cancelled in error by call handler. Card sent with no pin. Card re sent with no contactless facility. All basic stuff yet they fail every time, don't bank with this bunch of cowboys! Reviewed on: 3rd July 2017

Mis sold

When first opening a account with this company was told I would only be able to if I added a credit card and over draft to the account. charges for these are very expensive and not in my opinion worthy of services Reviewed on: 30th June 2017

Love the bonuses we get from the Platinum account.

The bonuses are great that you get from having a platinum account. Only just yesterday I used the AA breakdown cover. Which when you are stranded, the value on this is priceless. Reviewed on: 23rd June 2017

Expensive & unnecessary

I had this account for sometime and the charges outweigh the benefits Reviewed on: 12th February 2017

Offers everything upfront

When enquiring about the account we had a lovely presentation telling us about all aspects of the added value parts. Was well explained and was chosen to suit our needs. Reviewed on: 3rd February 2017

Great value and benefits for a joint account

My husband and I pay £17 a month for Lloyds Platinum on our joint account, which I think is great value with the included mobile phone and travel insurance. I've had to claim several times with great customer service. Reviewed on: 3rd February 2017

Replacement card

Not great experience whilst trying to order replacement card whilst abroad Reviewed on: 15th January 2017

Very expensive.

The benefits of the account don't necessarily match the requirements of the current holder. Reviewed on: 19th February 2016

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