Lloyds Bank Reviews

Name: Lloyds Bank
Rating: 2.49

2.5 Rating 1,256 Reviews

37 %

of reviewers recommend Lloyds Bank

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2.5

Based on 1,256 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 4th July 2026

Anonymous

Anonymous // 01/01/2019

Sort by: Most Recent Most Recent Highest Rated Filter: None None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Really bad customer service, not helpful at all, the waiting time when you call are disgraceful.”

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Posted 5 years ago

“We have been customers of Lloyds for over 25 years. When we came to finally pay off our mortgage we were advised to use the on-line payment account that was previously with Lloyds Bank which we did. We subsequently received a letter telling us that the mortgage sub account was closed and therefore our final settlement amount needed to be returned so that we could pay the mortgage off using a different account. So the advice we had been given was incorrect. We were advised that the funds would be returned to us within 6 working days of raising a complaint so that it could be paid into the other account. Still no return of the funds about this and NEITHER Lloyds Bank or Cheltenham & Gloucester seem to know where our money is. Both organisations are blaming one another. We have been left without our funds, mortgage balance still outstanding and Lloyds Banks and Cheltenham & Gloucester seemingly unable to help us. In addition, every time we call either company we are literally on-hold for 45 minutes before anyone answers. All this during a pandemic and at a time when Lloyds Bank is running glossy adverts claiming to be "by your side". Our complaint has not been resolved to our satisfaction and we will be raising this with the Financial Ombudsman. Appalling service.”

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Posted 5 years ago

“They used to be good, but now they're rubbish. In order to access an online bank account, on top of two-factor authentication, customers are now required to provide a third temporary password over the phone. This password inflation has created a customer-unfriendly system. If that much user input is now required, in order to view an account, then online banking is broken. How many passwords will people be required to input in another five or ten years? Half a dozen? A dozen? Who's going to remember that series of passwords? On top of that, they've also removed my (and many others') local bank branch, in the last few months. A return to paper banking is the way forward, bankbook included, with an institution that is still local. Lloyds now provide a zero-star service. They're only getting one star because I can't give any lower.”

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Posted 5 years ago

“Not happy with how much they put the policy up after a year and if you choose not to renew the policy they charge 20 pound. They expected me to renew a policy that was dearest its ever been for me in 25 years driving 25 years”

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(Car Insurance) - Posted 5 years ago

“Purchased building and content insurance. Policy was auto-renewed at double the price of the original premium. When it came to renew again, the premium had increase by a further 100%. a 200% increase in 2 years. No claims made, or changes in policy. No explanation why the increase happened or interest in keeping a customer. Would not recommend.”

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Posted 5 years ago

“Poor customer service. Distressed wthout credit card for ten days while talking to a useless machine.”

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Posted 5 years ago

“Quality service”

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(Car Insurance) - Posted 5 years ago

“They were easy to deal with and all information is set out clearly on the paperwork.”

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(Car Insurance) - Posted 5 years ago

“Very quick and easy to deal with very happy with everything”

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Posted 5 years ago

“The worst bank in the world? Noooo in the Universe. Despicable customer service. I stayed on the line for 30 minutes only to hear that she had to transfer my call to another department. I waited another 60 minutes and the ne one told me that he had to transfer my call again where i waited for another 30 minutes. At the end they just closed down the phone because they didnt know how to solve my issue. I hope this bank closes down to the last bank. I wish them the worst.”

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Posted 5 years ago

“Tried to change to mobile banking as per a brochure enclosed in my recent statement. The registration form obviously requires DOB etc you have to trawl through the years month by month a chore!! You then get to Sort Code Account number, then it doesn't recognise your account details are all no such account exists. Call this number please you call the number and Covid Excuse numero uno kicks in basically don't bother hanging on unless??????? We would like you to take up Internet/ mobile banking so we can send statement electronically to save the planet but app not fit for purpose.. Useless outfit paper banking for me then, cut down another tree please lloyds. Frustration personified.”

Helpful Report

Posted 5 years ago

“Most of time their internet banking works OK. I've been using it for the last 18 years. However, the last 2 months when trying to log in you have to get a text msg or phone call giving a four digit ADDITIONAL code to the ones you already use to log in! This is NOT technology serving me. I am now serving it. I don't have a mobile, but the system keeps defaulting to SMS msg selection. I had this altered by Lloyds after phoning them, but it has reverted to SMS msg. I now have to go through 2 more screens to get an automated phone call on my landline giving the 4-digit code. Then, when trying to input the four digits you get the usual French farce of the automaton saying "I'm sorry, but the code has not been recognised", even when it is entered correctly. You then have to get ANOTHER 4 digit code and that eventually works. This is not service. This is big finance reducing the population by heart attacks brought on by infuriation!”

Helpful Report

Posted 5 years ago

“They ask you when you first call to state the reason your calling, for apparently no reason as you aren’t put through the right department. I was on the phone an hour waiting for help I got passed to three different people, I’m in Australia so urged the phone call was costing a fortune and the lady started trying to make chit chat about the COVID situation here. They cancelled my graduate account early due to being inactive for two months. When I put money back in it they still wouldn’t reactive it and said I had to do it online. Once online the internet told me I had to contact the bank. So many circles were being had. Still TWO hours later they can’t put me through to the correct apartment. Awful knowledge on the customer service part although i will say staff are patient and and nice. Although the bill im going to get from my phone company due to their incompetence could pay back my overdraft at this rate. Once I return home I will never bank with Lloyds again. Ruined my credit score cus I didn’t use my bank card for two months.”

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Posted 5 years ago

“Today I have been assisted via online chat platform by Harinder and Heidi. Both were very polite, helpful and extremely professional. I felt valued. Thank you”

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Posted 5 years ago

“DO NOT USE Lloyds Bank Car Insurance. Just told me they are to charge £55 cancellation fee! Appalling - seems looking at reviews many others seem to be having bad experience with them too. Will not go near ever again.”

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Posted 5 years ago

“Sincerely recommend you DON'T USE LLOYDS BANK!! 1. Wait for a month after opened the account to get the card. The reason was the staffs forgot to order the card. 2.Really bad service. The supporters on the phone are really impatient, hang up the phone when the signal is not googd or when they don't hear you clearly. And the staffs in the brunch are really unhelpful, always ask customers to wait without giving help. 3. Locked my account without any reason after I transformed money from another bank. 4. Sent me the invalid activation code for twice. Overall, if you don't what any trouble, stay away from lloyds bank!”

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Posted 5 years ago

“Worst bank ever! Waited 50mins to speak to an advisor to be told to call back in the morning and the phone slammed down! I didn’t even want to call them in the first place as they always provide poor customer service and never help but I did and then this.... AGAIN... No suppress there. Just because they don’t want to fill a “form out” My partner never has this problem with his bank! STAY AWAY!!!”

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Posted 5 years ago

“Easy website and documents forwarded in a clear and easy format”

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(Car Insurance) - Posted 5 years ago

“Worst bank in the world, for some reason was declined for a BBL being self employed with no income. They don’t deserve one star”

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Posted 5 years ago

“My 11 year old daughter wanted to open a bank account and Lloyds was our closest branch (during lockdown 1). We were advised online that we must phone for a telephone appointment to set up the account. We did so and were told to wait for a phone call from the branch to set up the account - none ever came. Called again, again told to wait for a call- no joy. Called and was told to visit branch without appointment but with passport and ID to set up account - did so and was told by branch that we needed an appointment. So we made one (waited 2 weeks), all went smoothly. Phew! But then my daughter put in her online password incorrectly and the app told us we needed to call with reference number to get it reset. So another nightmare ensued... First advisor we spoke to kept putting me on hold for 10 mins plus at a time, and eventually hung up on us. Then we called again and spoke to the rudest, most obnoxious male advisor I have ever had the displeasure to encounter. He was sarcastic, shouted, and even the way he said my name was oozing with meanness. He kept shouting 'you're not listening!' but in reality he was the one who didn't listen. Eventually he hung up on us shortly after my daughter commented on his rudeness. We had only been calling to get my daughter's online password reset! Apparently the only way to do this is to go into a branch during a national lockdown in a pandemic, when our area has 800+ cases per 100,000! I promptly called back to make a complaint about the ridiculously bad experiences I have had with this bank. I stupidly switched my current account to them, lured by the £100 switching bonus and the closeness of our local Lloyds branch, but will be switching away ASAP after this terrible customer service experience... and guess what? My daughter STILL doesn't have her app up and running so can't check her balance etc. Apparently my complaint has gone through to the complaints team and I'll get a phone call from them (When? They don't know, so probably never). Already spent 3 + hours on the phone with them today. Truly disgusted with our Lloyds experience, would give 0 stars if possible.”

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Posted 5 years ago

Lloyds Bank is rated 2.5 based on 1,256 reviews