A mixed review really, I have unfortunately been a victim of fraud twice since opening my Lloyd's account, which of course is no fault of the bank. However they have been brilliant on both occasions, patient, understanding and very helpful. The issue was sorted quickly and efficiently both times. Now onto my grumble, I have had my account a little over 2 years, and when I first joined I wanted to be a member of club Lloyd's so as to get the perks (free cinema tickets, mobile phone insurance etc) which costs £3 a month, or nothing if you pay in over a certain amount each month. I have recently had a baby, so of course I'm on maternity leave and not earning as much as I would usually, and because of this they have decided to change my account to a big standard one. Even though I had either paid the £3 or paid in enough each month so as I didnt have to. To me loyalty isn't one of their priorities. Staff I have spoken to in branch or over the phone have always been more than helpful though.