Lloyds Bank Reviews 11,200

Telephone and Chat Staff (not AI) totally miss points raised and respond from a crib sheet. Was chasing up interest payments due on 2 standard savers accouts. This is the response to my from Karan at Lloyds about failure to pay the monthly interest "As with all Standard Savers, the interest rate (currently 1%) is applied and paid monthly, not annually. here is no manual
change made by a colleague to switch Standard Saver accounts to annual interest payments, as:
Payment frequency is automatically defined by the product type Standard Savers are system-set to
monthly interest Annual interest payments typically apply only to specific account types." Andthis this is my reply
"you are missing the point raised, both accounts now show as standard saver accounts and should be
paid interest monthly, No interest has been paid in May, when will it get paid ?Delivered"

Since this comment I was advised a complaints supervisor would be in touch 3 working days now and no contact.

I joined Lloyds for their Club Lloyds account. Day to day banking has been great and I've never experienced any problems. I receive six free Vue cinema tickets a year and this is a good perk. I convinced my partner to switch too and we now also get free Disney+.

I recently applied for a credit card and when my first bill arrived, I made a minimum payment and unfortunately was late with the remainder due to a life event.

The next bill, I paid the interest and paid the rest of the outstanding balance. The account was at zero.

Then the next bill came and I was horrified when Lloyds then tried to also charge interest even though my balance was zero before the payment due date.

Apparently if you do not pay in full one month, you pay interest for two months! Wow, what a money-spinner. I understand that if no payment was made but that was unbelievable when I had made a partial payment. I won't be using this credit card much again, as a result of these T&Cs, designed to ensure you slip up and pay them lots of money.

Don't have any life events happen to you and ensure a direct debit is set to pay in full, or if you miss making a full payment, you will pay interest even if you then pay in full.

Guess this is how they fund the free cinema tickets.

We dont have a branch near by for 5 miles, so rely on Phone Bank. The answer machine says there is a wait of an hour to get through only 30 more mins of waiting to go. All the money that has been saved from job loses and buildings no longer would have been great to see phone support for the vulnerable and elderly that cant use online who savings money is made from. Online is not always secure or helpful, human support is still needed and appreciated by the public rather than DIY banking. Very disappointed but by bit seems customer service is being reduced and I as a customer feel less and less valued as time goes on.

Update rang and made a formal complaint.

I had a very disappointing experience at the Lloyds Bank Kingston branch with Rashida, who was working at the deposit and withdrawal counter.

Despite there being a long queue of customers waiting, the service was very slow and a significant amount of time was spent in conversation while customers were waiting. During my visit, I felt that my withdrawal request was met with unnecessary obstacles and repeated reasons for delay.

Even after the branch manager, who was extremely kind, professional, and helpful, reviewed the matter, signed the required paperwork, and requested that my funds be released, the process remained unnecessarily difficult. As a result, I was required to contact Lloyds Business Banking myself before the transaction could be completed.

I would like to commend the branch manager for being supportive and professional throughout the situation. Unfortunately, the service I received from Rashida was not helpful and caused considerable frustration and delay.

I hope Lloyds Bank reviews this matter and takes steps to ensure customers receive efficient, professional, and consistent service in the future.

It seems like you won’t have me as a customer for long term. Your customer service is the worse ever. I will go back to Natwest a least their app is not always down and they have a decent customer service.

Lloyds blocked my account for some reason using the account block protection. Absolutely no reason to though. I was buying from ebay with the same account I have been using for years. Anyway, I contacted them by 24/7 messaging and was asked to provide a copy of my passport or UK driving license, both of which I did not have with me, as I was stay away from home. They then told me to ring fraud services, which I couldn't asmI am partially deaf and can't use a phone in that manner. I have now been without the use of my card for just over 2 weeks. I am disabled and partially deaf, but Lloyd's don't seem to care about that! This is like modern day discrimination against disabled people, if you can't sort it their way, Tuff! I was cut off the message chat about 5 times because they hadn't a clue how to deal with a disabled person. I have just switched to Nationwide myself now.

I have banked with Lloyds for many decades. Looking back, I am horrified by my naivety and their greed. I would be wealthier by 100's of 1,000's of pounds if I had been simply less trusting of their advice. Their interest rates and their charges are laughable compared to the market, but they rely on people like me being too uninformed or disinterested to pay attention. For example, when they advised me to invest in an ISA, did they point-out that their interest rates were among the very lowest available? No they did not! Did they remind me every year that my money was just sitting in an increasingly uncompetitive product? Of course not. I did not question their advice and just used the Lloyds product my Lloyds banker suggested back in 1990 something. It's almost like I thought the nice man in the suit had my best interest at heart!

Please realise that the Lloyds model (like some other high street traditionals) relies on exploiting uninformed people.

We visited Lloyds Bank Merthyr Tydfil yesterday and we received met Leah and Teresa who assisted my husband in dealing with on line banking. Without their in branch help wouldn't be able to have carried out transactions. They were both superb .

Dylan was very thorough in investigating the issue we raised with him. Clear, courteous businesslike, strong interpersonally. A credit to Lloyds

Dylan was exceptionally helpful in sorting out our business Banking query. He took time to go through our settings on both the ap and web version. He explained everything to us.

App doesn't work.
Removed all my payees.
Unable to transfer money between accounts.
Constant errors.
Nobody responds or fixes issues.
Club Lloyds Member.
Nobody cares.
AVOID!

I haven’t banked with a high street bank in over twelve years, I’ve only been online in that time. However walking into the Crewe branch today and speaking to Gillian T has been a wonderful experience.

Her extensive product knowledge and calm professionalism impressed me greatly and made me feel completely safe and at home.

Shes a fantastic representative and a lovely woman. I couldn’t thank her enough for today.

Toyin working Manchester branch and she was so helpful to me. She assisted me digitally step by step in opening a new account with Lloyd's. The service was extremely excellent and I am lucky to be served by her.

Sarah.m wellingborough branch

Excellent service

stole money from me and when I contacted them via phone they told me to talk to their chat and then their chat which is utter dogshit ai slop and takes 30 minutes to get a reply then refused to help cool scam will be switching

After 4 hours wasted on the virtual chat, the issue was not resolved. There were lots of pre-prepared answers which contradicted earlier incorrect responses. I am very worried that Lloyds Bank no longer have qualified staff with the correct skills, knowledge and training capable of resolving issues. All very worrying.

My card was a month from expiring and I asked them to send a new card, but they refused, saying it will be sent a week before end of the month. It’s past the end of month, card expired and new card still hasn’t arrived. Called and they said they will send another one, expected 7 - 10 working days. So two weeks without a working card. Terrible service. Avoid.

Terrible Bank. Avoid.

I recently got a Credit Card with Lloyds, and had FRAUD on my card and there is no "real" way to remedy the issue without going into a physical branch, and there isn't one in the town where I am now.

The Telephone lines advertised NEVER get you through to anyone, they just ring out, and on one occasion I have held the line from more than 30 mins, waiting to speak to someone. Today I've waited for over 23minutes, after the robot told me that the wait time was 10 minutes. It's a con.

It's so bad that I'm beginning to suspect that they don't EVEN HAVE a call centre... and its all just make believe. I've NEVER managed to get through.

Added to which, you cannot chat online with a human, as they are always experiencing high customer enquiries, and I suspect that there is also no realistic human web support online. It appears to be a couple of guys in a broom-cupboard.

It's a disaster from start to finish.

If there is no realistic way of reporting FRAUD on your card, if you don't have a branch in your town, then is it safe to Bank with Lloyds.

End result: I've lost £40 to a fake online vendor, and I don't have the protection that I have with other card issuers. I will be using my American Express card from now on. They are 10,000% time better in terms of speaking to customers. Their credit card cashback rate isn't as good, but at least you don't get ripped off by fraudsters

I had been struggling to navigate on line banking and app and came into the bank to seek assistance. I was seen by Jo who I have now seen on 3 occasions. Jo was extremely kind and helpful, she sorted my problems with clear instructions and quick efficiency.

1 star
I am extremely disappointed with Lloyds Bank.
My Lloyds card suddenly cannot be added to Apple Pay. After contacting support, I was told that a “policy block” has been applied for 160 days and that it will only be automatically removed once this period has passed.
This is honestly shocking.
I fully understand that banks need security checks and fraud-prevention systems. I am not asking Lloyds to disclose confidential fraud rules. But blocking a normal customer from using Apple Pay for more than five months, without a clear explanation, without a meaningful manual review, and without offering any additional identity verification process, feels completely unreasonable.
The response I received was basically: use another payment method and wait 160 days.
Apple Pay is not some luxury feature anymore. It is part of everyday banking. Many people rely on it for transport, online payments, subscriptions, travelling, and daily spending. A 160-day block seriously affects normal card usage.
What makes this worse is the lack of transparency. Lloyds did not clearly explain:
why the block was applied;
why the period is exactly 160 days;
whether I can complete extra verification;
whether a human can review the decision;
whether this affects only Apple Pay or other digital wallet services too.
Instead, I received a generic message saying this was done to keep my account and funds safe.
Keeping customers safe is important, but treating customers like they have no right to understand or challenge a decision is not acceptable. Security should not be used as an excuse for poor communication and zero accountability.
I expected much better from a major UK bank.
At this stage, Lloyds has seriously damaged my trust. I want a proper explanation, a manual review, and a fair way to resolve this issue sooner than 160 days.
Until then, I cannot recommend Lloyds to anyone who expects reliable modern banking and proper customer support.