Lloyds Bank Reviews

Name: Lloyds Bank
Rating: 2.52

2.5 Rating 1,228 Reviews

38 %

of reviewers recommend Lloyds Bank

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2.5

Based on 1,228 reviews

Shipping & Delivery
Delivery Methods	Postal Service
Customer Service
Communication Channels	Telephone, Email, Live Chat
Queries Resolved In	Over A Week

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Lloyds Bank 1 star review on 24th October 2025

Stumbled Upon ‎(+ 1 3 2 6 2 09 03 2 5) When I Thought My Scammed Crypto Was Gone For Good.

Lloyds Bank 1 star review on 26th June 2025

Jemmy

Lloyds Bank 1 star review on 13th June 2025

Francisolivia771 At Gmail.com Help Me Recover My Lost Cryptocurrency From A Scam

Anonymous

Anonymous // 01/01/2019

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Lloyds increased my overdraft charges by 785% when my mother was dying of cancer & I lost my job trying to help her. Soon after she died I was diagnosed with cancer & whilst undergoing treatment Lloyds foreclosed on my overdraft (although I was paying a proportion of the collossal monthly charges) & caused so much stress I had to have an extra 4 weeks of treatment. They blocked my credit card too although I had never defaulted on payments. I tried to pay in a balance transfer to lower the Lloyds debt & was unable to because the Lloyds branch refused to update my telephone number on my account. I am 58 with 2 degrees & I was spoken to as if I was a school child. Avoid this bank like the plague.”

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Posted 3 years ago

“I hate this bank with a rageful passion. Site is always down, phone lines always busy and yet they randomly decide to close my accounts on many occasions for entirely legitimate transactions, saying the only way to open them again is to waste an hour in a phone queue. Randomly froze my card a few months ago, called up and they basically just said oops don't know how that happened. THEY FROZE ALL MY MONEY AS AN 'OOPS'. How on earth do you accidentally freeze an entire account?!?!?! Ridiculous. I'm writing this as I'm on hold with them right now because they froze my account again last week after I dared to try and pay my flat deposit to an entirely legitimate company. I ended up paying the deposit through my account with Starling Bank and they just made me fill in a few extra details and provide some documentation to show the transaction was legit and it went through fine. Took 5 minutes and guess what? I can still access my starling bank account! So basically Lloyd's is useless and stupid and there are infinite better alternatives to this awful bank. Words cannot explain the hatred I have for this bank - can't wait to leave!!!!!!”

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Posted 3 years ago

“I asked for a new debit which I was told would be sent in 3-4 working days last week. It has not arrived until now after 5 working days.The customer service is hopeless. I can't do transaction and my subscriptions have failed as I don't have a new card.very poor service.”

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Posted 3 years ago

“Last Fri, I sent GBP to my Lloyds USD A/C, Lloyds used (Ex%1.1494). On the same day, I sent US$ out from my USD A/C to my another GBP A/C (not Lloyds), |Lloyds used (Ex%1.2154) which was 5.74% higher than 1.1494. It means they had charged me GBP400+ in that exchange (US$ to GBP). Lloyds is using an extreme high Ex% for USD to GBP that isn't based on the market. (The price is around 0.865 in 0.85 out for US$ to GBP). What the Ex% Lloyds bank refer to? (1.1494 in 1.2154 out ?????) They robbed (looted) my money in that way!!!! I found that Lloyds bank (or British banks) is dishonest and their customer services are awful! Very rude, they just hang up the phone if they don't want to talk with you (they treat their customer as if we can't do anything without them, just think that you can cancel the account anytime if you are not happy). Very impolite! I am disappointed from the image of British! I am thinking to put my $$ to other foreign banks instead!”

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Posted 3 years ago

“Don’t answer phone for over an hour.. get near an hour and they end call to put you off.. then you have to start over Lloyds used to be a good bank… no more .. you are at the bottom”

Helpful Report

Posted 3 years ago

“I moved to the UK for work and one of the requirements for that is to have a UK bank account. Firstly, it is very inconvenient to have to start the bank application whilst you are in the country, all that could be needed is proof of identity or a pdf with visa acceptance letter. Secondly, I have had to get assistance with setting up my account and hand in additional documents. So I have visited the branch around 4/5 times in the past month, which is a nuisance because these matters are always delayed for the weekend. Opening hours for the closest branch to me (Oldham) opens from 9am-5pm which spans the normal work day and therefore, issues cannot be settled after my shift is done (my job does not allow me to have more than a 30min break so going and settling it there and then during the week is not an option). Thirdly, (most of) the clerks working at the branch are not helpful and they often need to refer to colleagues or the manager because it seems like they never dealt with foreigners opening accounts or answering simple questions like the requirements for handing in tax residency documents. Fourthly, I had an experience that they were required to scan and verify my passport. The clerk mistook a previously expired visa with my photo on it as the photographic ID page on my passport. Had it not been caught, the submission of the document would have been delayed and another few hours wasted going to the bank to settle this issue. In addition, whenever we are opening a bank account, they have this corner where you are invited to sit on this low lying sofa. Then they start asking you questions upon questions if you don't have the necessary documents, whilst they are stood up. Frankly, this is a very intimidating situation to be in and it heightens anxiety which is only made worse. In addition, even after bringing the right documents, they ask you a bucket load of questions on whether this document is enough for them to accept and start asking you to provide other information like the NI number which was never previously mentioned whilst at the bank in the weeks before. In addition, I do not appreciate that the scanner/printer is in a side room away from the til. So whenever you need to hand in a document needed to be scanned, they take it to this room, spend at the very least 5mins scanning it and chatting to their coworkers and then slowly come back to hand the document back. I wonder how they never mixed up different clients documents.”

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Posted 3 years ago

“A scammer diverted over £50.000 to a fraudulant account at Lloyds despite several requests to call in the police they have not done so. How much money has to be stolen before Lloyds call in the police ?”

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Posted 3 years ago

“today I was forced to move my bank accounts from Lloyd to Santander after suffering terrible verbal abuse from an employee at my local branch. I originally tried to bring this incident to the attention of the branch manager but found her to be unhelpful and dismissive. The staff at Santander were the polar opposite and had all my accounts transferred in no time at all.”

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Posted 3 years ago

“Closing my 15 year olds fostered young persons account . no explanation.. upset them as he was proud to have a bank card.. no explanation so we can fix it Shame on you Lloyds.. I have been with you over 24 years and encouraged all my fostered young people to start banking with you.. not anymore”

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Posted 3 years ago

“Lloyd's Bank have NOT addressed the financial abuse of my parents. The bank DID NOT do a proper capacity check when putting my mother's monies into a joint account with her abuser. Northumberland County Hall has apologised "unreservedly" for allowing the abuse to continue. My father was admitted to hospital with malnutrition despite large savings being "held" whilst benefits were claimed. A Mr Robinson from the complaints department stated he would resolve my complaint to a "satisfactory outcome"...This to most people would indicate acknowledgement of mistakes; financial recompense and even action against the abuser. However, Mr Robinson's conclusion (in the words of the great Father Ted) was to do "Feck all"... DISGRACEFUL bank - although staff on the phone have apologised for the huge stress caused (and said monies should be returned) the complaints department seems oblivious to the harm done. Not the "listening" bank but the bank who "protects abusers"... We are having peaceful protests outside of Lloyd's in Grey Street, Newcastle Upon Tyne.”

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Posted 3 years ago

“I'm 80 years old and have suffered several difficulties in trying to open an account and since finally managing to get one. I have written to the CEO Mr Charlie Nunn, many times but his office have ignored all my correspondence. I simply get automated texts saying someone will be in touch, but they never do. I can't help thinking they are ageist? My daughter had her complaint dealt with promptly and efficiently.”

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Posted 3 years ago

“Bad bank that cuts your credit.”

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Posted 3 years ago

“'Excellent, but at poor customer service' Like most people, i fell victim to multi-layered crypto scam operation using my debit visa card. The money was being circulated to the scam company via a crypto exchange, but still using Lloyds services. When i made a chargeback to the disputes team using the evidence i had, i was spoken to very aggressively and was told: 'NO, no you have to bugger off and go to the crypto exchange'. I was shocked i had been spoken to like this. After the above, i made an official complaint and was dealt with my by the complaints manager of Lloyds Bank. Would you believe that she told me the following: 'Yes, i think this is a scam but this is a lot of money you lost; We (the group) do not have this kind of money'! ... i was shocked at their service response despite having evidence presented to them in a very professional manner. ME: I then responded saying: 'how can you say you have no money to refund the customer'? ME: After this, i was was very furious then told them 'what if the ombudman service tell you to refund me the scammed money i lost?' Lloyds complaints: 'Well, if they say then, yes, we will reimburse you the money'! This was the unprofessional service I had received from the complaints department despite having a Crime reference number by 'UK Action Fraud' and evidence presented to them of the scam company. 6 months after the above telephone conversation i had with them, Lloyds bank got fined a record £90.5 million for misleading insurance customers....it bloody serves them right to tell me that 'we do not have this kind of money'! Its been two years this month that ive been suffering, so my only hope now is the ombudmans service and that they get it right! So, yes, 'Excellent, but at poor customer service'.”

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Posted 3 years ago

“Unable to access money as outside the country and have changed phone number. Then an hour and forty minutes on the phone to update details. Finally, when trying to buy goods online get a message saying it can take up to 48 hours to process. It is now 72 hours and still unable to access my account.”

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Posted 3 years ago

“Not worth any stars absolutely terrible”

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Posted 3 years ago

“Everything you need to close your bank completely. You staff are unprofessional you hold me on line for hours then transferred me to different departments only to be told you can solve the problem I have to go to your branch to transfer my money from your bank to my own Barclay account bank. You are a joke and your staff have no idea what they are doing for customers!!! The questions where I got the money from why I want to transfer money to my own Barclay account soo annoying. Why I trying to steal my own money??”

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Posted 3 years ago

“waste of time, cant contact anyone, not going into detail - not here to solve their problems, looks like they could be going bust - will not be missed”

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Posted 3 years ago

“There is some one chasing me a little girl claiming to be my daughter while she is not my birth child. My birth child have very little right of the possession while exegerating people are after the possession when they have no rights at all.. no matter how little or more your customer have in your bank, its a shame to find out that even one of the loyalest bank is corrupt. Such a shame you allow to steal my food bill. Hope you are able to rebuild trust with your customer. LW”

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Posted 3 years ago

“Went to branch in islington,after leaving i assumed customer service had been outlawed in the uk. Take your translation app on your phone cause you cant understand any of the rubbish the woman was speaking behind her mask behind the glass shield on her desk. Go elsewhere if you can”

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Posted 3 years ago

“i am a disabled person, I had to make 4 trips totalling 4 & half hours of my time with staff that do not listen, staff who do not know what they are doing. They didn’t update the new address on their system, the old address was 12 years old! My recent statement had the new address. So much trouble for a simple task of getting online activation code to be able to log online to make a payment transfer. The codes never arrived after 3 attempts. Finally the manager said she’ll deal with it & set it up and said to speak to her directly if anymore issues. The next issue was it wouldn’t allow me to pay someone else because it’s a saver. They knew I wanted to transfer money but they continue to say they didn’t know it was a saving account where u can’t pay someone else from it and that I wanted to pay someone. Isnt it their job to know what kind of account I had and to know that I can’t get a code to begin with. I went straight to manager as per her request and she pass me over to someone else. I’ve never had to go through this with my other bank. Lloyds by far is the worse bank with untrained staff. They are polite enough but they have wasted my time.”

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Posted 3 years ago

Lloyds Bank is rated 2.5 based on 1,228 reviews