Lloyds Bank Reviews

Name: Lloyds Bank
Rating: 2.49

2.5 Rating 1,262 Reviews

37 %

of reviewers recommend Lloyds Bank

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2.5

Based on 1,262 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

“They really are the most horrendous bank! We have baked with them for two years. We were outsourcing our payroll and decided to bring it in house. We recruited a finance manager and completed and sent the forms for her to have full delegate access for two of our four accounts. The forms were received by Lloyds 9 weeks ago. 4 weeks ago we tried to set up workers but it turned out both full delegate accounts were set up as view only. I called and they checked the forms and confirmed they had been completed correctly but not setup their end properly. They explained that this would be logged with the Internet banking department and they would resolve. 1 week later... still no news and I had to call.... they apologized and 2 days later 1 account was set up correctly but the other one still wrong. I called again, they said it would be resolved.... 2 days later no news. I called again and they told me they didn't receive the form.... interesting as they were in the same envelope and previously confirmed both forms were completed properly. At this point I logged all the issues as an official complaint. 3 days later still no news so called again.... by this point we had to pay the outsauce company to run the payroll for another week costing us £150. I was told the form was filled in wrong for the remaining account despite been assured they were both correct 2 weeks before. They said they would need to email me another form. Next day still no form... another call and they finally emailed the form. This was a complete joke as due to lockdown we now had to complete and post to each director. The good news (or so we thought), was they called and said if we email the competed form over they would change the account. So we did this and emailed over n the Friday 15th that night they called and said the copy wasn't good enough (it was completely fine but we did another copy and i told photos and resent on Saturday. Monday..... still no news, emailed again, no response, emailed again today (Tuesday)..... still no news..... another payroll missed. Dont go with this bank!! They are the worst bank I have ever dealt with. We are in the process of moving.... this is how they treat business with £5million turnover!”

Helpful Report

Posted 6 years ago

“I am awaiting funds to be transferred from a Lloyds Cash ISA paying a paltry 0.1% interest into a Schroders account. This has been ongoing since 6th April some 27 working days. The rules are 15 days then compensation applies. However try getting anyone at Lloyds to listen. This is a very poor performance.”

Helpful Report

Posted 6 years ago

“Very satisfactory service & very good value for money.”

Helpful Report

(Car Insurance) - Posted 6 years ago

“I feel disappointed and fustrated with the poor response I ahve recieved from the advisers working for Lloyds Bank. I have rang numerous times with the same enquiry and I have had a reluctant response to help me move forward. I will be cancelling my card and account with Lloyd’s Bank and will be changing to a different bank. I do not recommend Lloyd’s Bank for the younger generation as I feel as though it’s clear they have no interest in treating their younger account holders with the same level of respect and focus as those who are older, from speaking to their advisers over the phone this was very apparent.”

Helpful Report

Posted 6 years ago

“A mixed review really, I have unfortunately been a victim of fraud twice since opening my Lloyd's account, which of course is no fault of the bank. However they have been brilliant on both occasions, patient, understanding and very helpful. The issue was sorted quickly and efficiently both times. Now onto my grumble, I have had my account a little over 2 years, and when I first joined I wanted to be a member of club Lloyd's so as to get the perks (free cinema tickets, mobile phone insurance etc) which costs £3 a month, or nothing if you pay in over a certain amount each month. I have recently had a baby, so of course I'm on maternity leave and not earning as much as I would usually, and because of this they have decided to change my account to a big standard one. Even though I had either paid the £3 or paid in enough each month so as I didnt have to. To me loyalty isn't one of their priorities. Staff I have spoken to in branch or over the phone have always been more than helpful though.”

Helpful Report

Posted 6 years ago

“Horrible experience! Do not trust this bank with your money. The whole policy of the bank is ambiguous and technologically they are still in 19th century. Most of cases need to be dealt face-to-face, they still rely mainly on postal service (in the 21st century, with people travelling and working remotely from different places in the world!). But it gets even stranger and confusing as some of correspondence is via email, while the most important one (in their opinion) is sent via postal service. Moreover, it takes them ages to look into you complaint and of course, the fault is always on customer’s side. The only good thing I can say about this bank is that their employees are polite. Generally, the bank acts as if it was doing a customer a charity taking care of his/her money. If you can, open an account with a different bank.”

Helpful Report

Posted 6 years ago

“I would like to thank a young man called Joe serving in the Lloyds Hadleigh Essex Branch who was so helpful in dealing with my requests when I visited the bank during this difficult time. He was courteous and smart and even showed me the sanitizer on the wall. Many thanks I much appreciated his help. JF”

Helpful Report

Posted 6 years ago

“Good service and you know were you stand, good communication with the team.”

Helpful Report

(Home Insurance) - Posted 6 years ago

“No customer loyalty. At all. You have the AUDACITY to make TV ads quoting that you are "Always there" , with pretty black horses, lying about how you support customers with mental health problems and ptsd ! Load of bloody RUBBISH.”

Helpful Report

Posted 6 years ago

“Tried so very hard to open a business account with Lloyds Bank. Spent almost six weeks and got absolutely nowhere with them. Tried calling branch. Hopeless. Mostly young inexperienced youngsters with no knowledge at all of banking or business in the real world. Had money and cheques waiting to pay in but could not get them moving. One excuse after another. No email service available. No direct lines available. No letters answered. Only call centres stuffed with equally useless people who want to get rid of you as fast as possible to hit their customer targets for the day. After forty five years experience in business banking I can honestly say this is the worst bank not only in the UK but the world. Do not touch these amateurs with a barge pole. I would not be surprised if they go bankrupt very soon as they are thoroughly useless and incompetent and would not know how to make a profit or a decent business decision if it was staring them in the face. After six weeks of trying I gave up and went to another bank who managed in four hours something Lloyds and 17 members of its staff could not manage in over a month and a half. Steer well clear of this bunch of jokers and do not trust them with anything or anything they tell you.”

Helpful Report

Posted 6 years ago

“Appalling customer service for mu business turning over nearly £1mn per year. Extremely difficult to ever talk to someone on the phone - so frustrating. 2 1/2 hours on hold last week..... Absolute disgraceful way to treat fee paying customers. No email address to be found.”

Helpful Report

Posted 6 years ago

“Expensive for the cover of a 20 Yr old car”

Helpful Report

(Car Insurance) - Posted 6 years ago

“Terrible online banking system. Never follow through when promising to send letters. Phone calls always take ages.”

Helpful Report

Posted 6 years ago

“Home insurance extortionate”

Helpful Report

Posted 6 years ago

“horrible costumers service not helpful”

Helpful Report

Posted 6 years ago

“Having banked with Lloyd's for 25 years and recently starting a business, Lloyd have been the most useless bank. Despite having my entire credit history, made £000s on interest and loans, they refused an overdraft, loan, business manager and now a payment holiday on my personal loans due to corona. Their tv ad says with you every step of the way but that could not be any further from the truth. I really must switch to coop or TSB, both of whom have fantastic reviews and actually care. Disgusting service, I hope you collapse soon and make way for banks that care.”

Helpful Report

Posted 6 years ago

“Thank you so much for opening my account in such a difficult time! I had submitted applications to several banks but they either were telling me to wait more and more or refused the application because they didn't like something with my person. I just wanted to get my salary from my employer though. Lloyds Bank has appeared to be the fastest and the most sensible bank. They have opened my account, given me access to Internet Banking and Mobile App Banking. I have received the debit card connected to my account. And I am satisfied with everything now because I have received the salary and paid all the bills. Big thanks to the staff of the Barnsley branch! I wish you health and prosperity!”

Helpful Report

Posted 6 years ago

“i have been banking with Lloyds since 2007, i have kept large sums in their account, i have even had my house mortgage with them. out of the blue, after 10 years, because i did not have a lot of money in their account, they have sent me that they are closing my current account. they have not called or warned or explained anything. they only sent a letter in the post. it is fine as i am currently banking with other bank but they are totally unreliable. imagine i was overseas or something, they did not even bother to call me. PLEASE do not use. I am now getting my wife to switch away from them too!”

Helpful Report

Posted 6 years ago

“I found the customer service very helpful and polite, thank you once again”

Helpful Report

(Car Insurance) - Posted 6 years ago

“I'm aware that Lloyds Bank Car Insurance do read some of these reviews and do their best to have them removed, On that basis this is an honest no punches pulled review. I started my Car Insurance with Lloyds Bank car Insurance on December 23rd, and paid them a deposit with my card, and took out my cover. On December the 30th The car I had insured had to be returned, and on the same day I returned the car I phoned up Lloyds Bank Car Insurance to cancel my policy. I got almost all the way through and they put the phone down on me. As I thought all had been done and because I was also dealing with family bereavements, so concentrated on that. Fast Forward 3 months and noticed that deductions were still being taken by Lloyds Car insurance from my account. I contacted Lloyds Car Insurance and they told me that I had not cancelled my insurance and they had no record of my call telling me that they record ALL their calls. They then told me to ask the garage I returned my car to whether they could send me an email confirming that the car involved was indeed returned. They then told me that the email was not adequate proof as it didnt mention the exact return date. I contacted the garage again asking them to send me an email with the exact return date on it. The garage then sent me an email with the exact date on it,which I forwarded to Lloyds Car insurance. They then mailed me back saying this was still not adequate proof, as It had been forwarded to me not direct to them, and implying that I could have modified the email to suit my needs. I then asked the garage to send it direct to Lloyds Car insurance, which they did. You wont be surprised to hear they then decided to move the goalposts yet again, and tell me the proof was not acceptable as it was not on headed note paper and/or was not in the form of a PDF. The garage explained to me that because of coronavirus they could not access headed note paper as the business was closed until they were given notice that they could open up again after lockdown.. Lloyds have been obstructive to the maximum, and seem to be doing everything in their power to avoid paying me back what they owe me. I have spoken to 7 (YES 7) diffferent people regards this matter and everyone just shoves me on to someone else to deal with this. All I want is for them to refund me my deposit as well as all the direct debits they continued to take from me. I understand that they might want to deduct 7 days insurance from the total but based on the fact that it has taken three months to get this far I'm hoping as a goodwill gesture they might refund me everything I've paid out, but I;m not holding my breath. Stay well away from Lloyds Car Insurance unless you want months of messing about.”

Helpful Report

Posted 6 years ago

Lloyds Bank is rated 2.5 based on 1,262 reviews