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Review of the Lloyds Bank, Business Banking:

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As long as you require no assistance then they are OK (no money has mysteriously vanished from account, etc). BUT, getting in touch with them in any way other telephone is impossible.

As long as you require no assistance then they are OK (no money has mysteriously vanished from account, etc). BUT, getting in touch with them in any way other telephone is impossible. When I first opened the account I had a voicemail from their local business advisor. I called back and left and message but never heard from them again. Recently I needed to open a Euro account alongside my Sterling account. I wanted to check some details so went to their website. I had some more general questions so I looked for an email address as I was out of the country at the time. All I could find was a web form to complete and somebody would then apparently call me. I didn't want this as I was in Turkey on a course and rates to receive a call there are quite high. But with no other option I completed the form. Unfortunately each time I tried to send it came up with an error. I looked again for an email address. I strangely found a whole page where the business team celebrate the benefits of email (Did you know that 78% of small business find using email a great way of saving time?!); but no email address of their own! So, I took to Twitter. (Why have a Twitter account but not an email address?!?!) I messaged them and after 3 days (and chasing twice) I got a message asking for me to DM them my telephone number. I explained (in less than 160 characters!) that I was out of the country and needed an email address. I'll save you the long version of this story (honestly, this is the short version!!) but what happened for the next two weeks was random members of their staff asking for my telephone number, me telling them I'm out of the country, me asking for an email address, them calling me by surname, asking for my number, me explaining I'm out of the country and needed email... etc After around 20 posts and messages backwards and forwards they still hadn't given me an email address. They claim it's because they cannot discuss account details over email. I only wanted some general questions answered! And, surely it's as secure or unsecured as Twitter for answering general queries?!! (except you can actual send a proper question and get a proper reply, unlike the 160 character limit on Twitter!!). They then stopped sending any replies. Several days later I had a call from somebody in the business team about setting up a Euro account. She had no knowledge of the lengthy Twitter conversation, and general pain I'd had to get to that point. We went through the motions and then she was finally able to able to the very simple questions I had 1) What is the charge for having a Euro account? 2) What is the charge for making payments/transfers from the Euro account? So, the general mess of their 'communications' (!!) team made me re-evaluate my choice of business bank. Incidentally, during the Twitter mess I posted a message with the other three major banks included, along with Lloyds. All of the other banks replied and said they would be happy to take my business, Lloyds didn't even reply! So, still not sure which one I'm moving to but I'm going to move to another bank and open a Sterling and Euro account there. I've actually been with Lloyds as a personal customer since I was 13 years old (25 years!!). They have always been a very traditional bank and behind the times when it comes to technology. That said, in 2014 I would have expected them to have that crazy new invention - 'email'!!! Reviewed on: 11th November 2014

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