Lloyds Bank Reviews 

12,403
TrustScore 4 out of 5

4.0

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Review summary

Created with AI, based on recent reviews

Looking at 6,424 reviews, reviewers had a great experience with this company. Customers frequently praise the staff for being exceptionally helpful, patient, and knowledgeable, making branch visits pleasant and productive. People truly appreciate the face-to-face service, noting that team members go above and beyond to solve problems. However, some reviewers were not happy with long waiting times in queues and occasional frustrating issues regarding blocked cards. A few other people also felt that customer support phone lines were difficult to reach when urgent help was needed. Some consumers additionally mentioned facing unexpected hurdles and delays when trying to close accounts or complete payments.

What people talk about most

Staff

Consumers find staff to be positive, helpful, and exceptionally professional during branch visits. Reviewers... See more

Customer service

Customers had ambiguous experiences with customer service. While many reviewers praised specific staff... See more

Service

Users describe positive interactions with service, highlighting friendly staff and efficient appointments.... See more

Payment

Customers consistently note ambiguous experiences with payment, reporting widespread frustration regarding... See more

User experience

People report ambiguous experiences with user experience, with many consumers expressing frustration over app... See more

Reviews shaping this summary

Rated 5 out of 5 stars

A very courteous & helpful Lady called Jane, assisted me in the Chichester Branch of Lloyd’s last Friday 21st Aug, regarding my Halifax Acc (changing to Lloyd’s Savings Accounts) - her guidance... See more

Company replied

Rated 5 out of 5 stars

2nd time of writing!! Getting tired of reviews being rejected for no genuine reason. Have already covered Lloyds online banking with a 5 star review. However I had cause to visit branch on Saturd... See more

Company replied

Rated 5 out of 5 stars

I went to Lloyds in Worthing for the Digital Support Day, I sat down Beau and he helped me access my online banking on my laptop and on my phone. He also showed me Microsoft Defender and has helped me... See more

Company replied

Rated 5 out of 5 stars

I recently visited the Banking Hub in Withernsea and once again received a brilliant experience during my Lloyds appointment, there. Mark Wilson is exceptionally professional, extremely friendly an... See more

Company replied


Company details

  1. Bank

Written by the company

Wherever you want to get to in life, Lloyds Bank has a range of bank accounts and personal banking services to suit you. Visit us today to find out more.


Contact info

4.0

Great

TrustScore 4 out of 5

12K reviews

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4.0

All reviews

(12,403)

6,450 reviews in the last 12 months

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Rated 5 out of 5 stars

First Impression is...Very Impressed!

I had to change over my online banking arrangements from Halifax and was expecting the worse. All was good but just needed a slight bit of help so phoned Lloyds for the first time, again expecting the worst and although it is a Sunday afternoon I got put into a call-queue quite easily and then answered straight away by a very helpful lady in the UK that I could fully understand and who helped me on my way to the new online banking system.
Sorry for tarring them with the same brush as another "High Street" bank I have to deal with but I was happy to be proved wrong.
They say first impressions count and I am Very impressed with Lloyds customer service!

September 6, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Richard, thank you for your feedback. I'm delighted to hear that your move from Halifax went smoothly, and our colleague was able to provide the support you needed. It's great to know your first experience with Lloyds Bank left such a positive impression. Thank you for your wonderful feedback and for giving our service a 5-star rating. We truly appreciate your support!

Thanks
Subhiksha

Rated 4 out of 5 stars

Great good awesome

Great good awesome

September 6, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Kowshikan. Thanks for your feedback.

I'm delighted to hear you think the app is great, good and awesome. We appreciate you taking the time to share your feedback.

Thanks
Dhanraj

Rated 1 out of 5 stars

Don't bother with lloyds had an issue…

Don't bother with lloyds had an issue logging into online banking had to wait for code in post cant go into bank to sort it cant e mail me a code all the codes was ordered 19, 30th July again on the 3rd August called them at least 20 times all you get is sorry sorry sorry blamed royal mail 1 code not coming maybe but 3 find that hard to believe a complaint made 3 weeks ago still no outcome or phonecall from that either and am I back online No they cancelled all my payees direct debits in my acct without telling me and just left me in the dark only found out about my directdebits was when I started recieving phone calls saying payments havnt been made absolutely awful never will I go with these again

September 6, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi. Thanks for your feedback.

Sorry to hear about the difficulties you've experienced accessing Online Banking and the frustration this has caused. This isn't the level of service we aim to provide, and we appreciate you taking the time to share your experience.

If you'd like to raise a complaint or follow up on your existing complaint, you can do so here: http://spr.ly/62046BGEO5a

Thanks
Dhanraj

Rated 5 out of 5 stars

Very easy to use!

September 6, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Shaun. Thanks for your feedback.

I'm delighted to hear you find the app very easy to use. We appreciate you taking the time to share your feedback. Thank you for your 5-star rating!

Thanks
Dhanraj

Rated 5 out of 5 stars

this is very good

September 6, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi. Thank you for your review. I'm delighted to hear you're having a positive experience with Lloyds Bank. Thank you for 5-star rating.

Thanks
Sanaa

Rated 5 out of 5 stars

it was very helpful setting up an…

it was very helpful setting up an account with you guys

September 5, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Emily, thank you for your. i'm delighted to hear that setting up your account was helpful and straightforward. Thank you for leaving us a 5-star review. We appreciate the positive feedback.

Thanks
Subhiksha

Rated 5 out of 5 stars

Good service

Good service

September 5, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi, thank you for your feedback. I'm delighted to hear you've received good service. Thank you for the positive review.

Thanks
Subhiksha

Rated 5 out of 5 stars

When to the bank today and Bolaji help…

Went to the bank today at Lloyds Bank New street and Bolaji help me out a lot, I did not know how on how to use and credit card but he took his time and explained everything to me. Am very thankful to him.

September 5, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Lvy, thank you for your feedback. I'm delighted to hear that Bolaji at our New Street branch provided such excellent service. It's great to know he took the time to explain how your credit card works and answered all of your questions in a clear and helpful way. Thank you for your wonderful feedback and for giving our service a 5-star rating. We truly appreciate your support!

Thanks
Subhiksha

Rated 5 out of 5 stars

Excellent service from Bolaji at new…

Excellent service from Bolaji at new street branch! He has cleared all my questions over the years and told me useful information about how to finance! I feel like he has told me so much that I have actually earning just from learning so much from him. Much appreciated! Hope he could get promoted, we need more people like him in a bank!

September 5, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi, thank you for your feedback. I'm delighted to hear about the excellent service you received from Bolaji at our New Street branch. It's great to know he was able to answer your questions and provide helpful information to support your financial goals. Thank you for leaving us a 5-star review. We appreciate the positive feedback.

Thanks
Subhiksha

Rated 5 out of 5 stars

Himanshu gave a wonderful support

Himanshu gave a wonderful support
Thanks

September 5, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Sumaruth, thank you for your feedback. I'm delighted to hear that Himanshu provided wonderful support and was able to assist you. Thank you for leaving us a 5-star review. We appreciate the positive feedback.

Thanks
Subhiksha

Rated 5 out of 5 stars

Excellent help and service at Lloyds

At your Lowestoft branch, we were advised by Megan. It wasn’t only her knowledge, professional ability and manner that were clear. Her cheerful, helpful and considerate disposition made it a pleasure and, no doubt, for those of us who find such business daunting, reassuring.

September 1, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Christopher. Thanks for your feedback.

I'm delighted to hear Megan at our Lowestoft branch provided such knowledgeable, professional and reassuring service. It's wonderful to know her cheerful, helpful and considerate manner made your experience a positive one. We appreciate you taking the time to share your feedback. Thank you for your 5-star rating!

Thanks
Dhanraj

Rated 1 out of 5 stars

Still no further post for the one time…

Still no further post for the one time code that they are sending. Had to ask for a new one a week ago, and still nothing. Sending by post is not a good option, especially when text, and email codes already processed. Lloyds Bank are useless for customer care. Horrible business to deal with, and struggling to find a new bank so their attitude is TOUGH LUCK and it is your problem.

Tried calling, and on a 30 minute hold. Stupid system is advising me to sign online, though I cannot, and it keeps advising me to use internet or mobile app, but cannot because Lloyds cannot sort out my access, and cannot be bothered with Halifax customers.

Got sent a new link, but now have to wait for a 3rd code to be sent by post, so now it will be another 10 days, which took for the 1str code, and the 2nd has still not arrived. What is the point in sending me a number to call to be messed about again

September 5, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Paul. Thanks for your feedback.

Sorry to hear that you're still waiting for your one-time code to arrive and that you've been left feeling frustrated by the experience.

Please contact our Internet Banking Helpdesk team on 0345 606 6529 or (+44) 01733 232030. They'll be able to check this for you and assist further.

If you'd like to raise a complaint, you can do so here: http://spr.ly/62047BG8a4d

Thanks
Dhanraj

Rated 1 out of 5 stars

Lax security at Lloyds bank

I have had a current account and credit card with the Halifax for years without problems. Halifax has recently been taken over by Lloyds. Security appears to be lax at Lloyds because since the takeover my account has been subject to fraud.
A loan was fraudulently taken out in my name and a joint account in my name was opened fraudulently by someone I have never met. Furthermore my contact numbers were changed by a fraudster.
If this wasn't bad enough, the sloppy response by Lloyds was deeply concerning. When I attempted to call and report the fraud I had to spend literally hours on hold before explaining the issue multiple times to various call handlers (some of whom appeared to have left school too soon ..), being passed from 'team' to 'team' as well as being cut off and having to call and wait on hold again.
Eventually my internet account was blocked while I have wait for the problem to be investigated and a code to arrive in the post ...
Moving my current account to another bank is a pain, but that is what I plan to do.
If you have an account with Lloyds then consider moving it to a bank that takes security seriously.
If you were thinking of opening an account with Lloyds, then don't.
***
I see that Lloyds have responded to my review by providing links to their website that I can click on to report the poor customer service.
Having checked the links, I can see that they would just put me back into the same doom loop of useless 'Virtual Assistant' chatbots and long waits on hold to speak to a human who would probably just tell me that they need to transfer me to another "team", resulting in a further long wait on hold ...

September 4, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Gerry, thank you for your feedback. I'm very sorry to hear about the fraudulent activity and the difficulties you faced when trying to report it.

We take account security seriously and would like you to contact us, so the matter can be reviewed further: http://spr.ly/62049BG8tOR

If you’d like to raise a formal complaint about the handling of your case, please use this link: http://spr.ly/62040BG8tOr

Thanks
Kaif

Rated 5 out of 5 stars

Lloyds help to switch over from Halifax app

I really appreciated the help I got from Lee at the Portsmouth branch today as he helped me change over to the Lloyds app very easily which I was very worried about. Thank you Lee

September 5, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Larissa. Thanks for your feedback.

I'm delighted to hear Lee at our Portsmouth branch was able to help you switch over to the Lloyds app and make the process easy. We appreciate you taking the time to share your feedback. Thank you for your 5-star rating!

Thanks
Dhanraj

Rated 1 out of 5 stars

Barclays > Loyds

Borrowed 6k
Blocked my account when tried to move to main barclays acc

Did a balance transfer and tried to transfer
Got blocked again

This bank is way too strict and annoying and time wasting to deal with , i had to go at least 3 times in the branch to sort things out with the blocked acc/app.

Barclays is as safe but is not so crazy when comes to moving money . I can confidently say Lloyds Bank sucks

September 5, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Danny, thank you for your feedback. I'm sorry to hear about your experience and understand how frustrating it must have been to have your account restricted and need multiple branch visits to resolve matters.

We may occasionally apply security measures to help protect our customers and their accounts, which can sometimes result in additional checks when certain transactions are identified. I understand that this can be inconvenient.

If you're continuing to experience issues with the app, please ensure you're using the latest version and try clearing the cache or reinstalling it.

If the issue persists, you can contact us here: http://spr.ly/62044BG8bSQ

If you'd like to raise a complaint, you can do so here: http://spr.ly/62047BG8bSx

Thanks
Kaif

Rated 5 out of 5 stars

I want to sincerely commend Toyin from…

I want to sincerely commend Toyin from Lloyd’s Bank, Market Street branch in Manchester.

During my visit, Toyin really listened to me. She took her time to understand everything and sorted out all my issues with so much care and patience.

What stood out most is that Toyin does far more than her job. It’s obvious she has a genuine passion for helping people. She made me feel truly cared for, not just processed.

Thanks to her, my visit to Lloyd’s was worth it. I left feeling valued and reassured.

Thank you for the great service.

September 4, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Brimmo, thank you for your feedback. I'm pleased to hear that Toyin at our Market Street branch in Manchester took the time to listen, understand your concerns, and help resolve everything with such care and patience. It's especially lovely to know she made you feel valued and reassured throughout your visit.

Thank you for 5-star rating.

Thanks
Sanjay

Rated 1 out of 5 stars

Shocking beyond belief!

Rang these for the first ever time (and last will change banks now! my Halifax account had changed to these charlatans) as I was worried about a potential fraud abroad on my account a certain chap called Michael was incredibly rude had no empathy of my situation I was pretty much called a liar! This is was before being transferred to the actual fraud department. As I expressed my disbelief to the fraud department personnel she actually found my experience funny and laughed! Avoid like the plague disgusting experience.

September 4, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi, thank you for your feedback. I'm sorry to hear about your experience. I can understand how upsetting it must have been to contact us with concerns about potential fraud and then feel that your worries weren't taken seriously. This isn't the level of service we aim to provide.

If you'd like to raise a complaint, you can do so here:

http://spr.ly/62047BG8PNF

Thanks
Sanjay

Rated 1 out of 5 stars

Very bad start from Lloyds. - Their time is more important than yours!!!

I have a Lloyds Ultra Credit card and was having problems setting it up. Tried to contact via chat line. Waited over 30 minutes for a real 'chat' but then the 'advisor' came on with a very short and unhelpful response and disappeared. I then waited for ages (asking a follow-up question) but got no reply.... Not at all impressed (and the Chat-bot was totally useless too). This is a very poor start.

September 4, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi, thank you for your feedback. I'm sorry to hear about your experience. I can understand how disappointing it must have been to wait so long for support, only to receive a brief response and then be left without an answer to your follow-up question. That's not the level of service we aim to provide, especially when you're trying to set up a new credit card.

If you'd like to raise a complaint, you can do so here:

http://spr.ly/62042BG835s

Thanks
Sanjay

Rated 1 out of 5 stars

Downloaded the app couldn’t pay off my…

Downloaded the app couldn’t pay off my credit card saying it was wrong sort code ridiculous Then I tried to pay into my maintenance account then they said it was the wrong number I have been paying into it for 10 years!! Then they logged me out never again going with NatWest

September 4, 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Theora, sorry to hear about your experience. If you're experiencing issues with the Lloyds app, please try some troubleshooting steps, such as uninstalling and reinstalling the app, then attempting the payment again.

If you're still unable to make a payment to your Lloyds credit card, please contact our Credit Card team on 0345 606 2172.

Or (+44) 01702 278272 If you are calling from International, available 08:00 to 18:00, and they'll be happy to investigate.

We also noticed you mentioned NatWest in your review. If the issue relates to a NatWest account or service, I'd recommend contacting NatWest's customer service team directly for assistance.

If you'd like to share feedback about your Lloyds experience, please visit http://spr.ly/62044BG83iK

Thanks
Roopraj

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