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Ushanth

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Review of the Lloyds Bank, Classic Account:

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Terrible Banking Experience and Poor Service

Lloyds Bank has been the worst banking experience I've ever had. Their customer service is extremely slow, and when a merchant charged me over £100 in a fraudulent direct debit that I never subscribed to, they failed to warn me and refused to refund the money. Later, without any notice or explanation, my account was suddenly closed, leaving me unable to pay my university fees on time. When I tried to resolve the issue, I was kept on hold for over an hour with no response, and even when I visited a branch, they claimed they had no information. As a student, this was devastating, as I missed an exam due to unpaid fees. Despite requesting a letter to explain the situation to my university, they refused to provide one. It took over two weeks to receive my cheque, even though they initially said it would take only seven days. Their app is also poorly developed, with delayed notifications sometimes arriving nearly a day late. This entire experience has severely impacted my academic life, and I have yet to receive any explanation regarding the closure of my account. Lloyds Bank must improve its services to prevent such issues for other customers in the future. Reviewed on: 17th March 2025

Review of the Revolut, Personal Account:

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Revolut - The Best Digital Bank

Revolut has been a game-changer for me since moving to the UK, making budgeting effortless with its user-friendly interface, real-time spending insights, and secure features that freeze the card in case of suspicious activity. As a student, managing money efficiently is crucial, and Revolut’s tools, including savings vaults and automatic expense categorization, have been incredibly helpful. The RevPoints system is a great bonus, allowing me to earn rewards and redeem them for gift cards. Additionally, using Revolut during my vacation in Sri Lanka was seamless, with competitive exchange rates and hassle-free international payments, making it far superior to traditional UK banks. With features like instant currency exchange, stock and crypto trading, and robust security, Revolut stands out as the best digital banking solution for students, travelers, and anyone seeking a modern, efficient way to manage their finances. Reviewed on: 17th March 2025

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