Lloyds Bank Reviews

Name: Lloyds Bank
Rating: 2.53

2.5 Rating 1,219 Reviews

38 %

of reviewers recommend Lloyds Bank

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2.5

Based on 1,219 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 15th September 2025

(FREDMERCY 3 4 7 AT GMAIL.COM) Help Me Recover My Lost Cryptocurrency From A Scam

Lloyds Bank 1 star review on 12th September 2025

Smith

Lloyds Bank 1 star review on 29th June 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

Lloyds Bank 5 star review on 30th May 2025

Matthew

Micheal

Anonymous

Anonymous // 01/01/2019

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

“I’m my mother’s executor. She died 3rd September 2022 and I registered the death promptly. I am still trying to sort out her personal and business accounts with Lloyds Bank. It is by far the worst and most unhelpful of all the financial organisations I’ve had to deal with. The various departments do not communicate with each other well, and the Branches are poorly staffed with undertrained people who cannot communicate with the rest of the organisation. Lloyds advertise they “are with you every step of the way” but business banking customers will find that is not at all the case. Staff try to help, but the fragmented nature of the organisation is sel-defeating. Management is clearly very poor.”

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Posted 2 years ago

“Don’t be fooled by the black horse advertisements we all grew up making you think they are here to help us. This institution is the worst bank you can deal with, if they get a chance to screw you over they will. I saved £14000.00 a year on one business account by switching over to Barclays. Halifax mortgages are really really bad they was supposed to help us during the pandemic but the same again rather than put me on a new fixed interest rate they have be on variable rate . Please don’t be fooled by the advertisements that we grew up with , their institution is the worst I have come across, even the smaller banks will help you more than these cronies.”

Helpful Report

Posted 2 years ago

“**POSTING ON LLOYDS AND HALIFAX** My family has been a Lloyds Bank customer for nearly 40 years, and previously they have been great. Really helpful and the managers have been attentive. Recently, we have had many problems with Lloyds AND Halifax which is resulting in us slowly moving accounts. The first issue arose with Halifax when I went to buy a product at John Lewis of £1000 on Apple Pay. Previously with other providers, we’ve had no problem using Apple Pay (Virgin Money & First Direct) and we didn’t think much of it. Only when I went to Halifax to process an online transaction of £210 to M&S is declined again after putting in all our card details. Decided some was up so called Halifax directly and waited for a long time (with no music, just ringing!!) to be connected to a unfriendly advisor who wasn’t willing to work with us and ended up just saying to go in-branch. Went into our local branch and guess what, they couldn’t do a single thing. Ordered a replacement card and that was all. Stuck with a credit card which doesn’t work. It was only when I went to pay at a local garage that my Club Lloyds debit card also declined. After being very confused, we called Lloyds and yet again we’re told to go in-branch. It was also then that my son’s pay a contact started failing too. Went into my local Lloyds branch and it was the worst branch experience I’ve ever had, first of all being told by the staff member that the website was actually incorrect and the Apple Pay limit is £100 not £250, which is not convenient and during covid times not great to start with having to use chip/pin everywhere. This was when things started to go really wrong. When we explained my son’s pay a contact issue, the staff member left us with a phone at the back of the branch on hold for an hour and a half, being passed back and forward between staff who were uncooperative and did not even know their own software! After nearly 2 hours, my son obviously got frustrated and asked how much longer this was going to take and this is ridiculous, and to his dismay, he was called abusive and told not to argue with staff. This was enough, I asked for a complaints contact only to be told there was no way other than yet ANOTHER phone call to Lloyds and we finally found a form online. We were offered £40 compensation by Lloyds and the complaint was settled. This was when we went away and our Lloyds cards started to decline again, over 100 miles from home. Luckily, we found a friend who was able to pay for us throughout our trip. This spoilt our trip completely which we spent over £300 on, and when my son reported it to Lloyds they said it would take 8 more weeks for a complaint to go through, so we still have broken cards and a low limit. Abysmal service and awful attitudes, will be moving as soon as we can. Sorry Lloyds, enough is enough.”

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Posted 2 years ago

“Son trying to purchase a car, declined payment despite funds available and told to contact fraud team. Spent 40mins on phone and advised problem rectified but allow 10 minutes before trying again. Same result and now plagued with automatic calls advising to contact fraud team but no answer? Change of bank needed I think by both of us on Monday as useless”

Helpful Report

Posted 2 years ago

“Rubbish service ordered new card nearly eight working days ago in my local branch. Queued why it's not arrived no one in branch ordered it. Got to wait another 5 working days and no manager available for complaints or no emergency service to get card out quicker. No one interested at Lloyds”

Helpful Report

Posted 2 years ago

“0 customer service and 0 logic. You block card asking me to call but putting me in a que of 56 min and still counting... how did you think here?”

Helpful Report

Posted 3 years ago

“Disgusting customer service got cut off every time I phone, phoned earlier @ 0815 answered the call put on hold for 2 minutes then answering machine cut in saying bank closed. Never sorted any of our problems.”

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Posted 3 years ago

“I've just had spinal surgery but my account had money taken fraudulently and I tried reporting via Internet banking, waste off time so I dragged myself to the only remaining local branch I explained I couldn't sign for prolonged periods, 1hr later still sat asking me id questions but I was in my local branch , using the banks phone , rubbish, diabolical treatment off a customer off 50 years , I walked out , fraudsters 1 ,, , Lloyd's 0”

Helpful Report

Posted 3 years ago

“Sadvichar ganral hospital Lila charcal bhavnager. 2 Ac. 2 tuns. 1 month complent no technician visit. Bed sarvice loyyd. We have two of your llyod AC and both are instaled in the hospital's ICU You don't get any facilities so it is very difficult to keep patients.there is no response from your call centre,no technician comes to visite,as many times as we call since call one month,the call centre says that we should mention your complaint. please solved our problem My complent 16 augast 1608221643844.”

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Posted 3 years ago

“They are terrible bank if you have an account in that bank CHANGE immediately because the customer service is arrogant and they don't help you with the problem in your account”

Helpful Report

Posted 3 years ago

“I received a message from Lloyds about fraudulent activity. I called them a couple of times, and after waiting for over 20 minutes each time, I called again and chose the option of a call back. They called me back within an hour and put me through the fraud department where after waiting for 40 minutes, no-one responded. Horrible customer service. It's surprising how declined like this. I used to be very happy with them as they used to respond to phone calls in no time.”

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Posted 3 years ago

“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.”

Helpful Report

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!!!!!!”

Helpful Report

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.”

Helpful Report

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!”

Helpful Report

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

Lloyds Bank is rated 2.5 based on 1,219 reviews