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
What people talk about most
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
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EXCELLENT CUSTOMER SERVICE FROM RYAN
I went into Lloyds bank in St Helens, Merseyside. I spoke with a gentleman named Ryan. A friend of mine had recently passed away and I got excellent customer service from Ryan who helped me a lot with my friend's account. Thank you Ryan.
22 May 2026
Unprompted review
Reply from Lloyds Bank
Hi Julie. Thank you for taking the time to share your experience, and I'm very sorry for your loss. I'm pleased to hear that Ryan at our St Helens branch was able to support you during such a difficult time. Handling a friend’s account after a bereavement can be challenging, so it’s great to know that Ryan provided the care, understanding, and assistance you needed. Thank you for your kind words.
Thanks
Pritesh
It took me a while to do a new mortgage…
It took me a while to do a new mortgage deal online and a bit confusing to submit it and accept it, I got there in the end. I would prefer to speak to an advisor usually with something as important as this.
3 June 2026
Unprompted review
Reply from Lloyds Bank
Hi Carol. I understand how important a decision like arranging a mortgage is, and I'm sorry to hear that you found the online process confusing at times. While it’s good to hear you were able to complete it in the end, we appreciate that this isn’t something you want to feel uncertain about. Thank you for the positive review.
Thanks
Pritesh
Over an hour waiting on the phone then…
Over an hour waiting on the phone then phone goes dead preumuaberly when they are shut as i rang back and was told they are now closed. All i wanted was help getting onto the app as none of my e-mails contain my ref number or card number. I have no idea what my balance is a people just refuse to answer the phones. I may have to do it the old fashioned way a wright to them st this rate!
3 June 2026
Unprompted review
Reply from Lloyds Bank
Hi Cherie. Thank you for taking the time to share your experience. I'm sorry to hear about your frustrating experience with our phone lines and difficulty accessing your account. We understand how important it is to access your information easily.
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
Fast and simple to use
3 June 2026
Unprompted review
Reply from Lloyds Bank
Hi Peter. I'm pleased to hear you’ve found the service fast and simple to use. Thank you for leaving us a 5-star review. We appreciate the positive feedback.
Thanks
Pritesh
Appalling service
Appalling service. 40 minutes wait time on phone and on line. there appears to be a problem with their credit card account settlement system but no one can help!
3 June 2026
Unprompted review
Reply from Lloyds Bank
Hi Colin. I'm sorry to hear about your experience. We understand how frustrating it is to be waiting 40 minutes on both phone and online, especially when you’re trying to resolve something as important as a credit card settlement.
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
Toyin
Toyin
from Manchester
i came to close my account but I couldn't as I had pending transactions. Toyin explained the entire process to me and even showed me how to close my account digitally on the app.
3 June 2026
Unprompted review
Reply from Lloyds Bank
Hi Qian. I'm pleased to hear that Toyin was able to support you during your visit and explain the process clearly. It’s great to know she took the time to walk you through both the account closure steps and how to manage this digitally through the app. Thank you for your 5-star rating.
Thanks
Pritesh
Can't see account names anymore
They've removed the ability to see account names on the computer. Why?
They're shutting down the local branch
The chat is infuriating whenever you do need something
I have been with Lloyds since I was ~15 and will be leaving within the month. They seem to be set on making things worse
3 June 2026
Unprompted review
Reply from Lloyds Bank
Hi John. I'm sorry to hear how frustrated you’ve become. We understand how important it is to have a clear and easy-to-use online banking experience, and that recent changes, such as the visibility of account names, have caused inconvenience. We also recognise how disappointing it is to see local branches closing. Your feedback on this is valuable for us.
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
I am extremely disappointed with the…
I am extremely disappointed with the service I have received.
After numerous phone calls, I was assured that my savings statements would be emailed to me as I have a Morgage in principle with Lloyds bank.Despite these promises, I still have not received anything. I have been paper-free for some time and have not received any statements for my savings account since January.
This situation is now having serious consequences. I am in the process of purchasing a property and urgently need proof of funds from my savings account. Because Lloyds Bank has repeatedly failed to provide the requested documentation, despite several calls and assurances that it would be sent, I am now at risk of losing the property.
I do not understand why this issue has not been resolved when I have contacted the bank multiple times and have been promised that the documents would be emailed. The lack of communication and failure to provide essential account information is unacceptable.
I require my statements to be sent immediately and would like this complaint escalated as a matter of urgency. I also expect an explanation as to why this issue has continued despite my repeated requests and the assurances given by your staff.
The delays caused by Lloyds Bank are now putting a significant financial transaction at risk, and I expect this matter to be treated with the seriousness it deserves.
3 June 2026
Unprompted review
Reply from Lloyds Bank
Hi Sarah. I'm sorry to hear about the significant difficulties you've experienced in obtaining your savings statements and the potential impact this is having on your property purchase. We understand the urgency of your situation and the frustration caused by the repeated delays and unfulfilled assurances. We appreciate you bringing this to our attention.
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
Unable to access online Lloyds…
Unable to access online Lloyds International banking. Experiencing ‘technical problems’. Not for the first time.
Get some better qualified IT staff perhaps?
Inability to access account is causing major problem.
I’d change banks but suspect they’re all equally interested only in HNWI clients.
3 June 2026
Unprompted review
Reply from Lloyds Bank
Hi. I'm sorry to hear about your experience accessing Lloyds International Online Banking and I understand how disruptive this must be, especially when you need to manage your account urgently. Please be assured that when technical issues arise, our teams work to resolve them as quickly as possible to restore full access.
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
mobile app went down without any notice…
mobile app went down without any notice or feedback from lloyd’s bank waited 1 hour 15 on the phone but then gave up
no support or any information as to when the app will be up and running
cannot do any banking what a joke this is not the first time terrible customer service
3 June 2026
Unprompted review
Reply from Lloyds Bank
Hi Mick. I'm sorry to hear about your experience and the disruption caused by our mobile app being unavailable, especially when you needed to access your banking urgently. We understand how frustrating it is not being able to manage your money, along with the added difficulty of waiting on the phone without getting through.
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
On a 12hour shift and when the sandwich…
On a 12hour shift and when the sandwich van comes round the bank is down I cannot eat for the day its a disgrace feel like walking out off my job 2 hours on phone no answer
3 June 2026
Unprompted review
Reply from Lloyds Bank
Hi Mac. I'm sorry to hear about your experience. I can understand how frustrating it must be, especially when you’re in the middle of a long shift and relying on being able to access your money. We understand how stressful 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
Pritesh
Telephone and Chat Staff (not AI)…
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.
30 May 2026
Unprompted review
Reply from Lloyds Bank
Hi David. I'm sorry to hear about the difficulties you've encountered with your interest payments and the communication you've received. We understand your frustration regarding the lack of resolution and the delay in a supervisor contacting you. It’s also disappointing to hear that you were advised a complaints supervisor would contact you within 3 working days and that this hasn’t happened.
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
If you don't pay off your credit card in full, you'll be charged interest over 2 months, even if balance is zero
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.
11 May 2026
Unprompted review
Reply from Lloyds Bank
Hi, thank you for sharing your detailed feedback regarding your credit card experience. We appreciate you highlighting both the positive aspects of your Club Lloyds account and your concerns about the credit card interest charges. I understand your frustration with how interest was applied after a partial payment and subsequent full payment.
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
We dont have a branch near by for 5…
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.
3 June 2026
Unprompted review
Reply from Lloyds Bank
Hi Missy. I'm sorry to hear how this has affected you. We understand how important it is to be able to speak to someone, especially if you don’t have a local branch nearby or if online banking isn’t suitable for you. Long wait times on the phone can be frustrating, particularly when you rely on this as your main way of managing your account.
I can understand your concerns about reduced face-to-face services and the impact this can have on customers who prefer or need more traditional support. Access to reliable, human assistance is incredibly important, and your feedback highlights how valuable that remains.
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
I had a very disappointing experience…
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.
1 June 2026
Unprompted review
Reply from Lloyds Bank
Hi Eli. Thank you for sharing your detailed feedback regarding your recent visit. I'm sorry to hear about the difficulties you experienced with your withdrawal request and the service at our Kingston branch. We acknowledge your frustration with the delays and the need to contact our business banking team directly. We are pleased to hear that our branch manager provided excellent support.
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
It seems like you won’t have me as a…
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.
3 June 2026
Unprompted review
Reply from Lloyds Bank
Hi Larissa. I’m sorry to hear how strongly you feel about your experience. We understand how important it is to have a reliable app and responsive customer service, and it’s disappointing to hear that we’ve fallen short on both 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
Pritesh
Lloyds have no patience for disabled people
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.
2 June 2026
Unprompted review
Reply from Lloyds Bank
Hi Conor. I'm sorry to hear about the difficulties you experienced with your account being blocked and the subsequent challenges in resolving the issue, especially given your disability. We recognize how frustrating it must have been to be without access to your card for an extended period and to encounter difficulties with our messaging and phone services.
We understand that our processes did not adequately support your needs, and we sincerely regret that you felt discriminated against. We are committed to ensuring our services are accessible to everyone, and your experience highlights areas where we need to improve.
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
They deserve the same loyalty they give: none.
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.
3 June 2026
Unprompted review
Reply from Lloyds Bank
Hi Pierre. Thank you for sharing your long-standing experience and candid feedback. I'm sorry to hear that you feel let down by the advice and products you received over the years. We understand your concerns regarding interest rates and charges, and we are always working to improve our offerings and communication. Your comments are important to us.
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
Superb Staff Help at Lloyds Bank Merthyr Tydfil
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 .
2 June 2026
Unprompted review
Reply from Lloyds Bank
Hi Viv. I'm happy to hear about your visit to our Merthyr Tydfil branch and that Leah and Teresa were able to support your husband with online banking. It’s great to know their help made such a difference and enabled you to carry out your transactions with confidence. Thank you for sharing your kind words.
Thanks
Pritesh
Dylan was very thorough in…
Dylan was very thorough in investigating the issue we raised with him. Clear, courteous businesslike, strong interpersonally. A credit to Lloyds
3 June 2026
Unprompted review
Reply from Lloyds Bank
Hi Viv. I'm pleased to hear that Dylan provided such a thorough and professional service while investigating your issue. It’s great to know his clear communication, courteous approach, and strong interpersonal skills made a positive impression. Thank you for your 5-star rating.
Thanks
Pritesh
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