Long-term Lloyds personal banking customer. The current account does the job day to day: card payments, standing orders, Apple Pay, direct debits all work without thinking about it. The mobile app is... See more
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Review summary
Created with AI, based on recent reviews
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Reviews shaping this summary
Sarah.M Wellingborough branch- Sarah has been really helpful, I came in to switch my standard saving to something better she helped with updating all my saving account to better rate. Not just that sh... See more
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Lisa W assisted me in the kindest,most empathetic and sincerest way possible. She was warm and friendly and made my problems feel so small as though they were no issue to fix. She went above and be... See more
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My sister and I were both impressed with how Cheryl answered all our questions about our POA clearly and thoroughly. She reassured us with her professional yet calm approach. She assured us that all o... See more
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4.1
Great
11K reviews
No history of asking for reviews
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She is very kind lady i appreciate she…
She is very kind lady i appreciate she need to be on top. Toyin from Manchester 10 star for you
June 1, 2026
Unprompted review
Reply from Lloyds Bank
Hi Muzammil, thank you for sharing your review. It’s lovely to hear about your experience with Toyin in Manchester, it sounds like they made a real impact with their kindness and support.
Thank you for 5-star rating.
Thanks
Raj
Gone from being amazing to worse bank…
Gone from being amazing to worse bank ever. Been a long standing customer but looking at changing very soon as closed all banks in my area and don't get anything for being a loyal customer like other banks do its all about profit over customer service and needs
August 1, 2025
Unprompted review
Reply from Lloyds Bank
Hi Antony, thank you for your feedback. I'm really sorry to hear about your experience, I can understand how disappointing this must feel, especially as a long-standing customer. This isn’t the level of service we aim to provide.
Please allow one of our complaint managers to look into this further for you. You can complete our business online complaints form by copying and pasting this link into your browser:
https://www.lloydsbank.com/business/complaints.html
You can also find more information about branch changes here:
https://www.lloydsbank.com/help-guidance/everyday-banking/banking-near-you/branch-closures.html
Thanks
Raj
Reply from Lloyds Bank
Hi Paul, thank you for your positive review. It’s great to hear that you found the account opening process easy and straightforward.
Thanks
Raj
Cannot make any purchases
Thwy blocked my card for no reason without any warning or even checking in with me . Now i Cannot make any purchases, card keeps getting declined. Customer service completely useless refuse to help because I dont hold british citizenship or driving licence.
June 1, 2026
Unprompted review
Reply from Lloyds Bank
Hi Anete, thank you for your feedback. I’m really sorry to hear about your experience, I can understand how worrying and frustrating it must be to have your card blocked and be unable to make purchases, especially if you’re not getting the support you need. This isn’t the level of service we aim to provide.
Please allow one of our complaint managers to look into this further for you. You can complete our online complaints form by copying and pasting this link into your browser:
https://www.lloydsbank.com/contact-us/how-to-complain.html
Thanks
Raj
Very good service.
June 1, 2026
Unprompted review
Reply from Lloyds Bank
Hi, thank you for choosing Lloyds. It's great to read about the fantastic service you received.
Thanks
Raj
Impossible to talk to an agent
May 1, 2026
Unprompted review
Reply from Lloyds Bank
Hi, thank you for your feedback. I’m really sorry to hear you’ve found it difficult to get through to an agent, I understand how frustrating that can be. This isn’t the level of service we aim to provide. You can contact our Telephone Banking team on 0345 300 0000 or +44 173 334 7007 from outside the UK (advisers are available 8am–6pm, 7 days a week).
If you’d like this looked into further, you can also raise a complaint by copying and pasting this link into your browser: https://www.lloydsbank.com/contact-us/how-to-complain.html
Thanks
Raj
As a Lloyds Bank business account…
As a Lloyds Bank business account customer, I am extremely disappointed with the service. We were left on hold for over 40 minutes trying to get support and were unable to reach anyone. Businesses rely on prompt assistance, especially when dealing with banking matters. This level of customer service is unacceptable and reflects poorly on Lloyds Bank. Significant improvements are needed to ensure business customers can access support when they need it.
June 1, 2026
Unprompted review
Reply from Lloyds Bank
Hi Gurinder, thank you for your feedback. I'm really sorry to hear about your experience, I can understand how frustrating it must have been, especially when you needed timely support for your business. This isn’t the level of service we aim to provide.
Please allow one of our complaint managers to look into this further for you. You can complete our business online complaints form by copying and pasting this link into your browser:
https://www.lloydsbank.com/business/complaints.html
Thanks
Raj
Customer service and help is dead!
No answer on the chat app after 1 hour, got through on the phone after 30 mins after dealing with mine issue they now tell me I have to transfer to deal with the other, get transfered and now the wait is over 40 mins, its just crap customer service, to cap it off they closed every branch of Lloyd's/Halifax/BS in my area and now to go to branch its miles away. Do not open an account with them use Revolut or Monza!
June 1, 2026
Unprompted review
Reply from Lloyds Bank
Hi, thank you for your feedback. I’m really sorry to hear about your experience, I can understand how frustrating it must have been dealing with long wait times, being passed between teams, and finding it harder to access a branch locally. This isn’t the level of service we aim to provide.
Please allow one of our complaint managers to look into this further for you. You can complete our online complaints form by copying and pasting this link into your browser:
https://www.lloydsbank.com/contact-us/how-to-complain.html
Thanks
Raj
Spoke to Sharon today and she was…
Spoke to Sharon today and she was absolutely amazing, explained and advised on best way to save and build my credit score leading up to getting mortgage. Sharon was very easy to talk to and will definitely be seeking her help in the future 😊
June 1, 2026
Unprompted review
Reply from Lloyds Bank
Hi Andrea, thank you for your positive review. It’s great to hear about your experience with Sharon, it sounds like they really took the time to explain things clearly and support you in building your savings and credit ahead of your mortgage. Lovely to know you felt comfortable and well guided.
Thank you for 5-star rating.
Thanks
Raj
They hate customers ringing them
This bank do their very best to avoid any phone calls, from their useless AI chat to inordinate wait times. They don't even put a number on their cards anymore, you have to search for it.
Had my Lloyd credit cards replaced from Mastercard to Visa recently. Could add to iPhone wallet but adding to Apple watch wallet was ridiculous. The card needed verifying which took you to their abysmally useless app which showed nothing whatsoever. Then after several attempts at that rubbish the only option is to verify by phone - which they don't answer for ages. To be fair - when you do finally get to a real person they are always very helpful.
June 1, 2026
Unprompted review
Reply from Lloyds Bank
Hi Ashley, thank you for your feedback. I’m really sorry to hear about your experience, I can understand how frustrating it must have been trying to get through and then facing difficulties verifying your card. This isn’t the level of service we aim to provide, especially when you need support quickly.
Please allow one of our complaint managers to look into this further for you. You can complete our online complaints form by copying and pasting this link into your browser:
https://www.lloydsbank.com/contact-us/how-to-complain.html
Thanks
Raj
Thank you Ruksanah from Kilburn Llyods
After having negative experiences in the Kilburn branch with staff taking so long to help me set up my online banking. Ruksana was a massive help. She helped me with 10min which prior took months. So thank you ruksana for your prompt advice and sorting out a simple IT Issue I hoped someone helped me before with.
June 1, 2026
Unprompted review
Reply from Lloyds Bank
Hi Sharif, thank you for sharing your review with us. I'm delighted to hear that Ruksanah at our Kilburn Lloyds branch was able to step in and make such a difference for you. It sounds like it had been a frustrating experience beforehand, so it’s great to know things were resolved quickly in the end.
Thank you for leaving us a 5-star review. We appreciate the positive feedback.
Thanks
Raj
I just visited the Lloyds Manchester…
I just visited the Lloyds Manchester Market St Branch and had a great experience. The service was excellent and I would like to mentioned Toyin who was very helpful! :)
June 1, 2026
Unprompted review
Reply from Lloyds Bank
Hi Kanishka, thank you for sharing this. It’s great to hear that you had such a positive experience at our Manchester Market St branch, and that Toyin was so helpful in making your visit a great one.
Thank you for your wonderful feedback and for giving our service a 5-star rating. We truly appreciate your support!
Thanks
Raj
Update ! Lloyds Bank: Unethical Coercion, Stalling, and 3 Days of Psychological Distress!
Lloyds Bank’s handling of my fraud case has crossed all ethical boundaries. I demanded a formal complaint to be logged on 28 May 2026. Instead of complying with UK regulations, their support team dragged me through a 72-hour live-chat nightmare. This critical process is clearly being managed by incompetent, overseas offshore agents who have zero professional authority. Even though Lloyds officially admitted a 'Bank Error' in writing, they intentionally withheld my reference number with endless 'shortly' lies, causing severe psychological distress.
The ultimate disgrace occurred when they finally generated complaint number NC14893038 on 31 May—3 days late. Shockingly, they logged this complaint on my behalf but flatly refused to tell me what they actually wrote in the text. Hiding the contents of my own formal file from me is a massive transparency breach.
To top it off, an agent presented me with an unethical ultimatum: either accept a £50 'goodwill' gesture and close the case immediately (Option 1), or forfeit the £50 entirely if I insisted on escalating my case to a Complaint Manager (Option 2).
Credit instruments demand the highest level of security and professional handling. Lloyds Bank completely ignores the psychological and financial impact on fraud victims. Conditioning an agreed compensation on whether a customer exercises their lawful right to an investigation is a textbook breach of the FCA Consumer Duty. I have rejected their financial bribery, chosen the formal escalation, and am presenting this entire transcript of customer intimidation directly to the Financial Conduct Authority (FCA) and the Financial Ombudsman Service (FOS)
May 28, 2026
Unprompted review
Reply from Lloyds Bank
Hi. Thanks for taking the time to share your experience. I'm really sorry to hear about the distress this situation has caused, I understand how serious and upsetting fraud-related concerns can be.
I want to reassure you that handling fraud and complaints fairly and transparently is very important to us. It’s disappointing to hear that you’ve felt unsupported and that there were delays in your complaint being raised and communicated. This isn’t the level of service we aim to provide.
As you’ve now received a complaint reference, this will be reviewed by our dedicated complaints team, who will contact you directly with a full response once their investigation is complete.
They’ll also consider the concerns you’ve raised about how the case has been handled.
If you’d like further information on how we support with fraud, please visit: https://www.lloydsbank.com/help-guidance/protecting-yourself-from-fraud.html
If you’d like to discuss this further in the meantime, you can also message us via the Mobile Banking app or Online Banking and ask for your case to be referred to the complaints team, quoting your reference number.
We understand you bringing this to our attention, as feedback like this helps us improve our service.
Thanks
Nandu
No statements or 0% expiry date ever published for credit card
I needed to view the expiry date of an interest free balance transfer on a credit card account online. Apparently this information is on my pdf statements. However, I have no way of knowing if this is true or not as none are visible or appear to have been created for for this account. I call customer service and get stuck in a loop with various people from the credit card and banking teams for 50 minutes. I have to end the call as I have to work. I have raised a complaint with Lloyds banking services for not providing information about credit products which they are mandated by banking regulations to provide.
June 1, 2026
Unprompted review
Reply from Lloyds Bank
Hi Simon. Thanks for taking the time to leave your feedback. I'm really sorry to hear about your experience, I understand how important it is to have clear access to your credit card information, including statements and promotional expiry dates.
Your statements should be available through Online Banking, and they generally include details about promotional offers such as 0% balance transfers. I'm sorry to hear this hasn’t been accessible to you and that you had difficulty getting support when you called, that’s not the level of service we aim to provide.
We also note that you’ve raised a complaint, this will be reviewed by our dedicated team, who will be in touch to investigate and respond fully.
In the meantime, you can message us 24/7 via the Mobile Banking app or Online Banking and ask for your query to be transferred to the complaints team. If you have your complaint reference number to hand, please include this so they can locate and review it more quickly.
Thanks
Nandu
Indifferent towards fraud.
My wife reported a fraudulent debit on her account. She was in the US at the time and could not have made the transaction. Having reported it, Lloyds replied a couple of days later to say that as she had not been in touch (!!) the case was closed. She is currently having a heated exchange with the automated call handling service. It does not appear to understand basic English, so the interaction is not going well.
I am absolutely amazed that Lloyds’ approach to fraud is so apparently indifferent. I am further amazed that as they are about to lose a customer of 38 years, they don’t appear bothered, especially for £200, chicken feed to an outfit like Lloyds. Shocking and very stressful for her to sort out whilst recovering from jet lag now she is back in the UK. Am amazed they don’t appear to care.
June 1, 2026
Unprompted review
Reply from Lloyds Bank
Hi Nick, thank you for your feedback. I’m really sorry to hear about your experience, this sounds incredibly stressful, especially given the circumstances and while your wife was abroad. I can understand how concerning it must be to have a fraud case closed unexpectedly and then struggle to get the support you need. This isn’t the level of service we aim to provide.
Please allow one of our complaint managers to look into this further for you. You can complete our online complaints form by copying and pasting this link into your browser:
https://www.lloydsbank.com/contact-us/how-to-complain.html
Thanks
Raj
Lloyds credit card - avoid at all cost
I had a Lloyds credit card. It is the worst credit card I've had in years of holding many accounts, and I've just cancelled it.
The core problem is an overly aggressive fraud prevention system that makes the card functionally unusable. Routine transactions — buying on Amazon, contactless payments in stores, standard online purchases — are blocked at random, with no explanation. Every time this happens, calling Customer Service means 20–30 minutes on the phone, passed between three agents, and subjected to repeated security checks, just to approve an ordinary purchase.
The Apple Pay issue was the final straw. Adding a card to Apple Pay takes seconds and works flawlessly with six of my other UK credit cards. With Lloyds, I spent another half-hour on the phone with three different people, only to be told it couldn't be added because my iPhone region is set to the United States — despite this being a UK card used in the UK. That's an absurd and entirely avoidable limitation that no other card issuer seems to have.
I've cancelled my account and won't be using Lloyds for anything again. If you want a card you can actually use for everyday transactions without constant friction, look elsewhere.
May 29, 2026
Unprompted review
Reply from Lloyds Bank
Hi Michael, thank you for your feedback. I'm really sorry to hear about your experience, this isn’t the level of service we aim to provide, and I can completely understand how frustrating this must have been for you.
Please allow one of our complaint managers to look into this further for you. You can complete our online complaints form by copying and pasting this link into your browser:
https://www.lloydsbank.com/contact-us/how-to-complain.html
Thanks again for taking the time to share this with us.
Thanks
Raj
Savings account
Sorry should have done this a few months ago, went to Lloyd's bank Hemel Hempstead branch and saw Karen who was very helpful and informative on which saving account that I needed, I wanted to save but be able to get to the money if needs be. Thank you Karen x
March 21, 2026
Unprompted review
Reply from Lloyds Bank
Hi Una. I'm pleased to hear that Karen at our Hemel Hempstead branch was able to help you find the right savings account to suit your needs. It’s great to know she took the time to understand what you were looking for and provided clear, helpful guidance. Thank you for sharing your kind words!
Thanks
Pritesh
Review deleted
June 2, 2026
Unprompted review
Reply from Lloyds Bank
Hi, I'm delighted to hear that Steve has consistently provided you with such a stress-free and straightforward experience. It’s fantastic to know that his patience, thoroughness, and reliability have made such a positive difference, and that you feel confident seeking him out for support. Thank you for your 5-star rating.
Thanks
Pritesh
Easy and accessible
May 31, 2026
Unprompted review
Reply from Lloyds Bank
Hi Gabriel. I'm pleased to hear that you found our service easy and accessible. Thank you for leaving us a 5-star review. We appreciate the positive feedback.
Thanks
Pritesh
Absolutely useless
Absolutely useless.
First, unable to fill in form because of a glitch. Uninstalled app, cleared cache, reinstalled, then it just repeatedly tells me my account number is incorrect. I give up!!
May 30, 2026
Unprompted review
Reply from Lloyds Bank
Hi, I'm sorry to hear about the issues you experienced when trying to use the app. We understand how frustrating it must have been to deal with repeated errors, especially after taking the time to uninstall, clear your cache, and reinstall, only to continue experiencing the same problem.
Please allow one of our complaint managers to look into this further for you. You can complete our online complaints form by copying and pasting this link into your browser: https://www.lloydsbank.com/contact-us/how-to-complain.html
Thanks
Pritesh
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