Their Commercial Banking system is hopeless. In fact it is actually getting worse! Now it's not putting in the value date automatically and it takes at least two goes to key it in! Often the program does not work fully or properly - I have no such problems with other banks. On top of all this, we now no longer seem to have a Relationships Manager! I keep being told to phone a call centre. I want a person with whom to inter-react. Our T/O is only £1.5 million pa, but surely we deserve better than this. All in all, over the years, I have found Lloyds flakey and dysfunctional. If you are thinking of opening a business account, never ever choose Lloyds.