Lloyds Bank Reviews

Name: Lloyds Bank
Rating: 2.51

2.5 Rating 1,238 Reviews

38 %

of reviewers recommend Lloyds Bank

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2.5

Based on 1,238 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 10th March 2026

Anonymous

Anonymous // 01/01/2019

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

“Tried to fob us off twice by misquoting the small print of their policy. If we had not been lawyers and used to dealing with it they might well have succeeded. There seems little doubt to me that their front line staff are instructed to get rid of claims. One to avoid.”

Helpful Report

Posted 7 years ago

“BEWARE OF LLOYDS BANK - INEFFECTIVE SECURITY SYSTEMS Been a customer for about 10 years and my current account was blocked for security reasons. However, I successfully got them to remove the block on my account and they closed the complaint after offering compensation for time spent on phone etc One week later, I was informed at a branch a block was put on my account a week ago and that I needed to take my ID to a branch. Obviously I panicked because I was at work with no ID and only means of getting home was with the blocked card. What was strange was that they said the card was blocked on the system 1 week ago, however I had made more than 20 transactions since then. What was even more baffling was there was no record of a complaint I made a week ago..not even a footprint. Suggests to me they delete complaints off the system, so getting rid of evidence pf poor service and that itself is fraudulent. After waiting 2 hours to get the issue resolved , the complaints manager tried telling me I should accept the measly compensation being offered and waiting longer wouldn't do me any favours. What the rude unprofessional manager failed to understand was my concern was of the fact that the bank puts a block on your account, however you are still able to use card. That is a MAJOR SECURITY ISSUE. Secondly they tried to say the block was for online transfers out of my current account, not online payment or cash withdrawal which are more sensitive, all of which I have been able to do since the block. That in itself is the lamest cover up of all. Customers should be happy that the bank is doing all they can to keep their hard earned cash safe, not spend time figuring out excuses for poor services and systems. To prove the complaints manager wrong, I have just transferred money out of my account which means you CAN NOT even TRUST those in charge of securing your funds. BEWARE OF LLOYDS, don't be a victim of fraud!! They do little to keep you safe and will do and say whatever to cover your backs. Who can you trust??”

Helpful Report

Posted 7 years ago

“Queued for 10 minutes at counter to change a £20 note into coins for car park, only to be told that they needed my account details. When I told them I was a TSB Customer, they indicated that it was a Banking Policy to only assist anyone IF they were had a Lloyd's Account and could present their Credit/Debit card. I was told I had to find a TSB Bank! Net result the delay cost me a £30 fine. Never bank with Lloyds.”

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Posted 7 years ago

“So expensive, I would shop around and avoid Lloyds insurance.”

Helpful Report

Posted 7 years ago

“I was being charged £190 a month for my van insurance, I missed 1 payment by 1 day and they cancelled my insurance. I called to explain my situation as a builder I was waiting on a cheque to clear, they refused to discuss it and tried get get me to take out a new policy costing more. Avoid at cost a total rip off.”

Helpful Report

Posted 7 years ago

“Very unhappy, try to send international payment, hold me on the line for 15 minutes, no one responded at the end also they ask you to select options is not clear! Disappointed”

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Posted 7 years ago

“Duck in useless website a total waste of time”

Helpful Report

Posted 7 years ago

“spend ages on the phone because the automatic voice is ineffective. thy didn't write my postcode properly so I waited more 15 days to get a new debit card. some of their call centre are in scotland so the reception is bad and I cant understand anything with a scottish accent.they don't have enough employees so you wait way too long in the queue.”

Helpful Report

Posted 7 years ago

“Having been a company business customer of Lloyds since the 1940’s (not me personally) We were informed that our account charges were doubling in June by a mail shot. And that any local agreement would be cancelled! We contacted our business Manager to express our concerns who said he was not interested in helping reference the charges. On being informed we would be moving banks, he stated “That’s Banking” How arrogant....”

Helpful Report

Posted 7 years ago

“Useless OLD FARTS! The worst customer service ever! Feel like they are making you a favor while making money or your savings! The one in HERNE BAY Uk are the worst!!! Someone should replace them asap!🤬🤯🤮 WHAT A BAD ADVERTISEMENT FOR A BANK!”

Helpful Report

Posted 7 years ago

“I took out car Insurance in February 2018 which at the time was a reasonable price for Comprehensive cover. However, after three months we decided to change car from a 2.0ltr Alfa Romeo to a Hyundai Tuscan Diesel. Lloyds wanted to charge me £75 admin to change and the monthly repayment option was more than double. It really was cheaper to keep the Alfa insurance and take out a new policy for the Hyundai and save £12 per month! How on earth can this be possible????”

Helpful Report

Posted 7 years ago

“I made a mistake to join this bank so you don't. The staff is so unhelpful, it has been 3 weeks I have moved to another adress, and they still won't chang my address telling me I need to call them from their app which I did. The staff is so inconsistent with their info it just makes you mad.”

Helpful Report

Posted 7 years ago

“I have had the worst banking experience ever with this bank. I applied for a year loan of 3k but I ended up paying back more than 4,5k with the interest fees. Thats almost 50% interest fees. When they asked me to sign the loan of 30% APR I wasn't explained correctly the fees I'd be charged off and the senior of Oxford street branch told me they will decrease my interest fees due of been too high but they never did. Avoid at any cost this bank! 30% APR that supposed to be plus other hidden interest fees my one year loan ended up paying back around 50% interest fees on top. For a £3,000 loan paid in total £4,380 :((((( Also dont trust the positive reviews here as they have been written by Lloyds staff. For legit reviews about Lloyds bank check trustpilot website which Lloyds bank has 1 star out of 5 from more than 500 reviewers. I hope this bank close down very quick for ripping people off.”

Helpful Report

Posted 7 years ago

“Twice spoken to Lloyds regarding cancelling my motor policy, not once was mentioned about a cancellation fee, or the time used. So rang the other insurance and paid the £45 instalment. Only to ring LLoyds back up for them to tell me you now owe us £50 cancellation fee, also an extra £22 shortfall fee. Said my fault I should have read the documents. I rang for your advice, no mention of fees. otherwise why would I start a new policy up knowing I still owe you £22. I would have waited. be warned if starting a new policy before getting stung.....”

Helpful Report

Posted 7 years ago

“Lloyds bank motor insurance covered my car for a year. When that was up, I found a cheaper provider for the next year. On the day my insurance expired, I received an email telling me my Lloyds insurance had automatically renewed. I rang them to discuss and was told my policy had been cancelled and a full refund would be forthcoming 5 days later. A week later, my refund still hasn't arrived. I call again - guess what, the refund hasn't been processed yet. I am assured it will be processed today but could take another 10 days. I am overdrawn, for which I will be charged, not due to be paid for another week and the refund is not coming for the insurance I didn't agree to purchase for another 10 days. I have lodged a complaint, asked for a goodwill payment to cover my costs and will never buy anything from Lloyds again.”

Helpful Report

Posted 7 years ago

“I've had an account in credit for them for years, One day I decided to make them my main account. As soon as they realised that I didn't want to close my old account, they hung up! Cheeky A holes!”

Helpful Report

Posted 8 years ago

“How the face of insurance has changed. There was a time when you could go to an insurer when you changed your car and it took five minutes to make an adjustment and they were happy to do this. Having changed my car recently for a smaller one with lower fuel consumption and less car tax I rang up my insurers, LLOYDS and asked them to change the car over for me only to be told that they couldn't do that. I would have to cancel my present insurance and start afresh. Get this though my new car was, despite being smaller in every way going to cost me more than the original one. Having gone to AVIVA for a quote they are prepared to cover the same car for nearly half the price. I have now had to cancel my LLOYDS policy at a cost of £48 and still I am saving money by going to AVIVA. We are frequently told about insurance cheats who make life very difficult for insurance companies but this works both ways. Will I ever go back to LLOYDS? Of course not! Do they care? I doubt that very much.”

Helpful Report

Posted 8 years ago

“Terrible experience! My wife's car was hit by an articulated lorry whilst stationary, the driver hadn't seen the car (as his cab was so high) and his company filed a report to their insurers within a few days admitting liability. We were passed to a company called 'Enterprise' by Lloyds and they told us it could take up to 4 weeks for them to even make contact with the other parties insurer! Despite us calling Lloyds / Enterprise on numerous ocassions the car has still not been repaired 2 months after the accident. We complained and received a letter of apology from Lloyds Car Insurance and £50 in compensation, they then doubled my wife's insurance premium as her insurance was due to renew and she had an 'unsettled claim' (which they know is a 'non fault' claim!). The reason there was an 'unsettled claim' at the renewal date was due to the delays we suffered at the hands of Lloyds / Enterprise (for which they sent a letter of apology) however they refused to lower the renewal premium! My car insurance has also renewed recently and I am now also paying more as my wife is a named driver on my policy! Needless to say I'm NOT HAPPY AT ALL and wouldn't recommend Lloyds Car Insurance to anyone!...”

Helpful Report

Posted 8 years ago

“Do not use this insurance policy.... Pay cheap get cheap. Ive had a calim ongoing for 4 weeks now. Some one drove into the back of me while I was stationary . Lloyds refuse to help and have passed me onto 4 other people. I have had to re report my incident to an underwriter 4 weeks on. Do not use if you have a expensive vehicle you want to protect.”

Helpful Report

Posted 8 years ago

“Dreadful service, no reply to our letter of complaint. Made to feel like fraudsters when we made a small claim on our contents insurance. They are happy to take the monthly premium but adopt the attitude that it only covers "piece of mind" rather than anything else. Policy duly cancelled.”

Helpful Report

Posted 8 years ago

Lloyds Bank is rated 2.5 based on 1,238 reviews