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Lloyds Bank reviews

Lloyds Bank Logo
Rated Good • 3.82/5

Lloyds Bank reviews

Unverified business Last reviewed within 7 days
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Review summary

People rate this company as Good based on 2,521 product reviews

Average score of 3.82/5
5 star
53%
4 star
17%
3 star
8%
2 star
3%
1 star
19%
Reviews for Lloyds Bank have trended negatively over the past 90 days

Lloyds Bank scores highly for its easy-to-use app, helpful customer service, and solid range of accounts with perks like Disney+ and cinema tickets. Many appreciate the bank’s reliability and security, especially for everyday banking and savings. However, frustrations arise around poor insurance claims handling, rising fees without added benefits, and slow or unhelpful customer support in some cases. Some also find branch closures and app glitches inconvenient.

Positive themes

  • Lloyds Bank app is user-friendly, reliable, and packed with handy features.
  • Customer service at Lloyds Bank is often friendly and quick to help resolve issues.
  • Club Lloyds Current Account offers great perks like Disney+ and cinema tickets.

Negative themes

  • Insurance claims with Lloyds are slow and frustrating with poor communication.
  • Customer service can be rude or unhelpful especially on complex issues or fraud.
  • Fees rise quickly on accounts and insurance with little added value or warning.
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About Lloyds Bank

Lloyds is one of the largest banks in the UK.

The origin of Lloyds goes back to 1765 when iron founder Sampson Lloyd II and button maker John Taylor started Birmingham's first bank, called Taylors & Lloyds. Lloyds Bank is part of Lloyds Banking Group, a UK-based financial services group that also includes Halifax, Bank of Scotland, and Scottish Widows.

Lloyds offer a full range of banking and financial services, through a network of branches, via the app and online.

Lloyds Bank at a glance

Reviews for Lloyds Bank

Showing 11 of 2521 company reviews • Last reviewed within 7 days

A good choice

Club Lloyds Current Account • 20th March 2026

I’ve been using lloyds for a few months now, and, it’s been a really positive experience. Getting everything set up was easier than I expected.... I’ve been using lloyds for a few months now, and, it’s been a really positive experience. Getting everything set up was easier than I expected. The benefits of offered by the account are positive and I the app offers good functions. Definitely a solid choice. Read more Read less

{"display":"AD","full_name":"AD","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
AD
Rated Excellent • 5/5
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Not Bad But Not Enough

Classic Account • 19th March 2026

I used Lloyds Bank for a really long time, and for the most part it was decent and reliable for everyday banking. It was actually... I used Lloyds Bank for a really long time, and for the most part it was decent and reliable for everyday banking. It was actually my main account for quite a while, so I’ve used it across a range of things like daily spending, transfers, and just general money management. Things started to change when I got a new phone. I tried for a long time to add my card to Apple Pay, but it just would not connect at all, which became extremely inconvenient. I genuinely tried to resolve it properly. I contacted customer service multiple times, went into the branch a couple of times, and spoke with different team members, but no one was really able to fix the issue. It kept getting blamed on the system or interface, which was quite frustrating. When I later looked online, I realised a lot of other people were facing the same problem, so it clearly was not just me, but it still did not seem to be getting resolved. Because of this, and the fact that it has now been almost a year, I have pretty much stopped using Lloyds as my main account and instead just use it as a buffer or backup account. I also feel like they do not really offer much, or at least clearly communicate, when it comes to savings accounts and interest. I did not gain much from it, and that is one of the reasons I started using other banks for savings instead. The app itself is fine, but compared to more modern options like Revolut or Monzo, it feels quite basic and less user friendly. It is not as intuitive, and it can take longer to find things or navigate around. Overall, I think the bank is okay, but my experience has not been the best recently. I have had issues where my debit card gets declined randomly and shows incorrect messages about exceeding limits, even though I do not actively use it anymore. Because of this, I do not feel fully confident relying on it. I used to enjoy banking with Lloyds, but now I mainly keep it as an emergency account. I would consider recommending it, but it definitely would not be my first choice. Read more Read less

{"display":"IS","full_name":"IS","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
IS
Rated Average • 3/5
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  • 1/5

    You can't even make a claim because they say your po...

    You can't even make a claim because they say your policy doesn't exist, yet i'm getting charged every month. I never received the policy booklet.... You can't even make a claim because they say your policy doesn't exist, yet i'm getting charged every month. I never received the policy booklet. The person on the phone says i answered security questions incorrectly, then can't tell me which i didn't answer. Tried every possible combination on their website, doesn't work. The absolute worst, most infuriating experience I've ever had. Nobody should pay for this. Read more Read less

    {"display":"MK","full_name":"MK","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Home insurance
    MK 13th March 2026
  • 1/5

    DO NOT CHOOSE LLOYDS BUSINESS

    Outrageous terrible customer service from Lloyds business! I have an account and sent a six figure sum TO AN EXISTING PAYEE in dollars on 18th... Outrageous terrible customer service from Lloyds business! I have an account and sent a six figure sum TO AN EXISTING PAYEE in dollars on 18th February. Money didn’t arrive and today customer service is rude and unhelpful is an understatement. I’ve lost all trust in this bank. I have called daily to follow up. Terrible way to run a business. Please everyone be aware that if you have a problem this bank is terrible at resolving it! Read more Read less

    {"display":"P B","full_name":"P B","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1392733.png"}}'s avatar
    Business Banking
    P B 12th March 2026
  • 5/5

    Reliable intuitive website and app.

    Reliable intuitive website and app. Interest on positive balance and kinked regular saver - all good products

    {"display":"Rob F","full_name":"Rob F","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 3/5

    Neutral product - nothing special

    Neutral product - nothing special

    {"display":"Peadhee","full_name":"Peadhee","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 3/5

    Basic. No frills

    Basic. Gets the job done. No fuss. The lifestyle benefit make sense. It's what you expect from a brick and mortar bank the app could... Basic. Gets the job done. No fuss. The lifestyle benefit make sense. It's what you expect from a brick and mortar bank the app could have more functionality. It just does what it absolutely needs to do. Read more Read less

    {"display":"Wayne Wonder ","full_name":"Wayne Wonder ","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    Very easy to set up with your existing current account.

    Very easy to set up with your existing current account. Only have to put £1 in to open and is linked to your current account so you have easy access.

    {"display":"Mia W","full_name":"Mia W","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Easy Saver
    Mia W 8th March 2026
  • 4/5

    So, I was thinking about know,

    So, I was thinking about that big bank, you know, the one with the lion logo. They've been around for ages, offering pretty standard banking... So, I was thinking about that big bank, you know, the one with the lion logo. They've been around for ages, offering pretty standard banking services for folks. You can do all your usual stuff with them, like saving, borrowing, and managing your money day-to-day. They're a pretty solid choice if you're looking for a reliable, no-frills banking experience. Nothing too fancy, just good old-fashioned financial support. Read more Read less

    {"display":"Murshed M","full_name":"Murshed M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 5/5

    LLyodes current account

    provides small amount of interest on holdings it system works very well on both PC's and Iphones

    {"display":"Colin","full_name":"Colin","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
  • 4/5

    Good customer service.

    Good customer service. Issue with ISA transfer was swiftly corrected so that I did not lose the current year's allowance. Interest rates have been competitive in the past few years.

    {"display":"David M","full_name":"David M","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Cash ISA
    David M 5th March 2026

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