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

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Lloyds Bank 1 star review on 26th June 2025

Jemmy

Lloyds Bank 1 star review on 13th June 2025

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Anonymous

Anonymous // 01/01/2019

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

“I have banked with lloyds for over ten years my mental and physical health has suffered in recent years due to trauma leading to ptsd and blackouts lloyds are fully aware of this because I had a black out lost a coat and a phone along with my bank card and reported it lloyds closed my account froze my money leading to my going into hypoglycaemia and having significant stress to add to my condition lloyds knew I had type 1 diabetes and yet froze my money so I could not access it when I rang they said they would transfer the money to someone for me yet this was not done”

Helpful Report

Posted 2 years ago

“Contacted Lloyds Bank at 1730 hours and finished nearly two hours later after having to complain, be passed to four separate personal banking staff and a credit card call centre after automatic monthly payment for printer ink was stopped when automatic banking system failed to update all my monthly payments when Lloyds issued a new replacement debit card . Staff tried to block complaint repeatedly by interrupting and saying it was a matter between myself and a retailer. I have been a customer since 1989. No respect. Very few pleases, thank yous or promises to expedite resolving Lloyds problems. Finished call saying it would take 40 days to investigate and they might not bother to reply, if they thought it was not necessary.”

Helpful Report

Posted 2 years ago

“I have found that I can log onto my account in the mobile app if connected to Wi-Fi but not when using mobile data The lady that answered the phone when I rang to ask about this told me first that it only worked over Wi-Fi Then said it was my device as it will work over mobile data. I’m left not knowing which is the right answer. Most important to me is the fact she interrupted as I tried to explain, became impatient to the point of rudeness. I’m still waiting for my debit card to arrive but after this experience I’m already checking out the switching service”

Helpful Report

Posted 2 years ago

“The worst bank in UK. From the time I opened account till today this bank has been the poorest customer service in UK. Weather in branch in Chelsea in London where I opened the account till today dealing with customer service on phone this is worst bank in UK!. I have closed my account with Lloyds today because they wasted so much of my precious time and energy for little things which other banks deal with effectively. Other banks in Uk have great customer service on phone or in branch. I have only ever been to Chelsea branch in London and it’s the poorest customer service for 15 years! On phone terrible misinformed idiots work for Lloyds who make life difficult and contradict each other.”

Helpful Report

Posted 2 years ago

“simply simply appalling. today i transferred large amounts of money to banks and building societies . telephone service beyond terrible . the list could go on and on . just not fit for purpose”

Helpful Report

Posted 2 years ago

“I was doing my internet banking this early hours of the morning, as this stupid bank is not automatically transferring my money over to my other accounts and paying the bills being a bank holiday. So I decided to rearrange everything so I can get this out of the way. Trying to transfer money over to an account where the interest comes out every month being on zero, I tried to correct this and as I tried to pay it, I get a message popup saying my payments have been placed on hold and to ring the fraud department at 2:30am in the flipping morning!!! I called it and I have over an hour to wait to speak to someone. I am extremely angry at this system they have in place, for the fact that while doing this, I was not even setting up any new bankers orders but only adjusting things. Everything is saved onto my online banking! WHY THE HELL AM I ASKED AT THIS OF THE EARLY HOURS DO I HAVE TO PHONE TO CONTINUE TO DO WHAT I WANT TO MY OWN ACCOUNT!!! I MEAN TRIED TO MAKE A PAYMENT TO MY LLOYDS CREDIT CARD, LLOYDS CREDIT CARD FFS AND THEY STOPPED THAT PAYMENT!! THIS IS DISGUSTING AND UNPROFESSIONAL! I Can't do anything now until the morning which is gonna waste my day as I have to work on bank holiday and I will losing money wasting my time phoning this bank up >:( I've never complained about Lloyds and I've always recommended others to them and now. No more, you have now got angry customer who will not be recommending anyone to you.”

Helpful Report

Posted 2 years ago

“Absolutely bad bank. I have been waiting for my bank card for two weeks, which still hasn't arrived. They said because of strike,but post office had strike for two days only, which shows in bank failing to send it out. I can't even pay my phone bill without card, which means no connection with family on Christmas.”

Helpful Report

Posted 2 years ago

“Your Bank-has blocked my a/c. I have just been released from hospital and diagnosed with pneumonia and told to stay in house. To unblock my account I have to go to a local branch with photo ID. Each time I have phoned to query this I have been verbally insulted and usually they have “hung up” not giving an acceptable answer to my queriesI. It is my a/c I have answered personal questions and could be talking to anybody as I have not been given a name!”

Helpful Report

Posted 2 years ago

“Total absence of customer service at a local level. The LLoyds centralised telephone service is about as user unfriendly as you can imagine. If you want to talk to your local branch over the phone - forget it. The idiot I spoke to would not set up a local branch appointment for me without talking to the account holder - my mother. I explained to him that my mother was dead ! Still he would not make an appointment for me and told me to visit the branch. I live 60 miles from the branch. Still he would not give me a phone number. See other reviews below of Lloyds with similar experiences. Lloyds management is clearly far too arrogant and blind to correct a woefully useless system.”

Helpful Report

Posted 2 years ago

“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.”

Helpful Report

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.”

Helpful Report

Posted 3 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 3 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 3 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.”

Helpful Report

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.”

Helpful Report

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.”

Helpful Report

Posted 3 years ago

Lloyds Bank is rated 2.5 based on 1,228 reviews