Lloyds Banking Group Reviews 

Yet again , input details wrong ONCE on internet log in and account blocked. Now have to wait a week for a code to input , by post! Happens so often. Phoned dopey switchboard girl who said yeah, it does that.

The credit card fraud department is absolutely useless, I provided proof that the company who had debited £40 was fraudulent, that I was at work when the transaction was made (I don't have my phone on shift) and they still refused to reimburse. They acted like blocking the merchant from debiting in the future was a huge chore. I wasted a whole day talking to them and only got recurring payments cancelled at the end of it.
I was going to transfer my current account to them but I'm so grateful I didn't.

One of the worst Banks you can bank with don't be fooled they lie about every thing the worse banks ever honestly they froze my account and I was stranded and they left no message no notice and if you a person who has your wages in there and wanted to go out for. Good time ..let me assure you don't be surprised if the account has a block cause they would just do that and you would be embarrassed with no warning and then they want you to go branches with passport lol what the hell ...

Guys this back is a scam don't be fooled also they would close you account without any notice and each time they would then duplicate any in going and scam you with a balance they would trick you each every way so for you those have elderly pls pls keep a eye on your loved ones accounts and monitor other wise hits Saturday away from this bank

Barclays is better

Took me about two hours to log in, i had to reset log in details. Tried to sort an isa out and just went round in circles - did manage in the end after 3 security checks and then was told they were withholding transfer. Another message to call them and finally got it sent through.. When I logged in to complain I either had to download the app or log in - even though I was logged in..Then sent me round in circles again, I do not want the app as after this fiasco I will be closing down the accounts.

Wow, should have looked at Trustpilot before applying for a credit card with these clowns.

The credit card advertised great offers including cash back when I was looking for a new deal. Since I have used the card, no cash back offer has even made available.

I also attempted to make a purchase though eBay, Lloyds would not approve it, advised me to go direct to merchant to purchase. Yes, let's avoid the buyer's protection of eBay and go direct to the seller, cause that is safer!

Now they just ignore my messages.

I really should have gone with another company.

***Update***
Cashback via the app was available after a 3 weeks. Still poor customer service, but luckily I have not had to contact them since.

They will close your account because of your nationality. I do not recommend this bank..

DISGUSTING & UNFAIR
20th March 2025 I completed a form to use the Balance transfer offer on my account with an expiry date of 31st March 2025.
Everything seemed fine two options were on offer and I chose 12 months instead of 24 months repayment option. I was happy with the transfer fee of 3% of the total amount. Filled in the form and interest calculated and shown was again happy then submitted the request. No response seen after submitting.
I tried to check if the transaction was now showing and realised that I could not access my online banking anymore and the apps were disabled. I contacted customer services who were unable to explain what had happened then passed me on to FRAUD section where I was interrogated. I was advised that I had satisfied security and my online access had been enabled and I could now process my transaction.
I logged onto my online only to discover the offer had vanished. I contacted Customer Services again on 22/03/2025 and they said they were unable to reinstate the offer. I informed them that I had already submitted the request to spread the repayments over 12 months.
I was unhappy and the customer services adviser on the phone offered me £50 to close this case and I declined then chose to formalise my complaint. I got regular updates stating that there were still looking into my complaint I called twice in the process as I was concerned that the 28 days to pay on my other credit card was soon elapsing. I was advised that someone was to contact me as they were unable to resolve this within the initial 15 days in their policy..
Today 8th April 2025 at 13:39 hrs, I received a call from them stating that there is nothing the Bank can do. All this time waiting for nothing!
This outcome is unreasonable and disappointing given the length of time it took to announce their final position.
IT’S TERRIBLE CUSTOMER CARE. I AM ANGRY, STRESSED AND FEEL TOTALLY BETRAYED BY LLOYDS BANK after being a faultless customer for almost 10 years.

I have never in my life experienced such an appalling level of customer service as I did with Lloyds. This is beyond incompetence—this is sheer disrespect, arrogance, and utter disregard for customers. What I went through is not just poor service; it is outright belittlement and humiliation.

It all started with Allan, a so-called representative, who dismissed my concerns and treated me like I was wasting his time. No care, no professionalism—just an attitude of complete indifference. But things got even worse when I spoke to Briannie, a so-called manager who had the audacity to mock me, condescend to me, and talk down to me like my concerns were meaningless. She made snide, passive-aggressive remarks, including saying, “Well, that’s just your opinion” in the most arrogant tone possible. If that wasn’t bad enough, she even got hostile when I mentioned recording my previous call with Allan. She practically threatened me, aggressively saying she wanted to “stop” me from recording, as if she had any authority over me. Who do these people think they are?

When I finally filed an official complaint, Lloyds as a whole couldn’t have cared less. Despite me providing clear details and recordings, they didn’t take my complaint seriously at all. It was brushed off as if I was a nobody, as if I didn’t matter. They refused to take any meaningful action, didn’t address the disgusting behavior of their staff, and showed absolutely no accountability. This is how they treat their customers—like garbage.

Lloyds prides itself on being a trusted bank? What a joke. This bank does not value its customers, does not take complaints seriously, and allows its employees to insult, mistreat, and humiliate people without consequence. If this is the kind of service they provide, I would strongly urge everyone to avoid Lloyds at all costs.

Because of this disgraceful experience, I am switching banks. I refuse to give my business to an institution that allows this kind of abuse. And I will make sure everyone knows what happened—across social media, consumer protection agencies, and review platforms. No one should go through what I did. Lloyds has lost all integrity, and they deserve to be exposed for it.

I'm tired of calling support to "allow me to transfer my OWN MONEY".
You transfer a few thousand, or you go to the bank to withdraw a few thousand, and STRAIGHTAWAY you get flagged as a scam.
Asking tons of questions, security check... and still you can't access your own money.

TERRIBLE EXPERIENCE EACH TIME!!
- As we know, the name "bank" is just a cover up.

I wish they wouldn't push for bank and card transactions and we all would use cash...

Awful! Lloyds keep declining my card even though I have plenty of funds - causes all sorts of problems. I can't talk to a human on the phone so have to keep visiting a branch where I have to wait for 40mins to see someone. Only to have to repeat the process every few weeks. I am now switching to Nationwide.

Awful customer service today at Lloyds Kidderminster. I decided to support my local bank with an issue that I could have called the call centre to do. But as they are few and far between now I wanted to do it in person. The bank was empty so I went to the desk where a gentleman in a suit was opening bags of coins. I told him what help I needed and he said. "Is that it, can I go a see the ladies at desk by the door". So I proceeded to there desk. There where two ladies tittering around on an iPad (looked like training to me) One lady who didn't even bother to look up just said "Wait 2 mins".
By this time another gentlemen had been sent to the desk to be ignored too. I waited around for a few minutes feeling really awkward and ignored. So I walked out. Can't believe there where 3 people there and no one give a damm about there customers. Without us there is no bank. So frustrating.
On a side note 5 mins before I went to pay some cheques into Halifax opposite who where amazing. Very helpful for the moment I walked through the door. I know they are all part of the same group but maybe Lloyds need re train there staff to the same level as Halifax. Rant over. Internet banking for me going forward.

I have experienced extremely poor service from Lloyds Bank. After encountering fraud on my account—an issue for which I should be protected—I was disappointed to find that the bank did not provide the necessary support. Instead of safeguarding their customers, Lloyds Bank appears to penalize them for the actions of fraudsters. This level of service is highly unacceptable.

Absolutely dreadful service....another bank closing its branch in the week. Busy town centre and the bank isn't open.

Absolutely dreadful amount of hoops I'm being forced to jump through to transfer my money away from Lloyds. Fraud team takes 20 minutes per call, a max of 25k transfer per day. Wasting an hour to transfer MY MONEY to an account that actually pays a reasonable amount of interest.

DO NOT USE LLOYDS.

Would strongly advise not to take an insurance policy out with Hastings, Lloyds banking group handle their claims and I have to it has been the worst experience I have ever encountered with a service provider. Insurance companies advertised about being fair and making it easy for their customers to make a claim. (We have been with Hastings for 3 years and have never made a claim) this is something that has not happened with Hastings / Lloyd’s. I would never use them again and will now be cancelling my policy with them immediately.

After many years client of the Lloyds bank they closed my accounts without any notification.

I am a volunteer and signatory to a charity with a Lloyds business a/c and have been a personal a/c holder for 60 years. I have watched customer service be downgraded over the years, and apparently now Lloyds policy is that different departments don't talk to each other so I couldn't get help from my branch re a query about the business account. Time for a change.

I reported that I had lost my credit card to Lloyds Bank on Saturday 15th February at around 1pm. My new card arrived today 18/2/25 within two working days. An excellent service.

Ridicoulous excuse for a bank, they will not give you Mortgages, Loans, Credit Card or anything of value, if you are earning less than a 100,000£ per year. They will not help you in any way, shape or form and you will always end up asking for it to some other bank. If they do give you the money, it's because they will make the triple on top of it with interest, literally, they will take 3 times what you've asked. SHARKS, DO NOT WASTE YOUR TIME WITH THEM!

They closed my bank account without informing me or giving me any notice. I understand they have the right to do that but they are withholding our funds & yet demanding we pay our mortgage which is also held with them.

I have already told them I have having the worst time with my health and the stress of trying to get it resolved has caused my physical and mental health to deteriorate. They’ve made no effort to understand what I am going through of what I need for support. Treated like criminals when we haven’t even done anything wrong!

They simply do not care about their vulnerable customers and do not want to investigate anything properly and fairly. They have broken three parts of their own terms and conditions so just shows what a waste of time they are.

The review below was right, good luck with Jayne Opperman - brags online about her customer service passion and expertise but zero care or interest.