Lloyds Bank Reviews 

11,756
TrustScore 4 out of 5

4.1

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Review summary

Created with AI, based on recent reviews

Considering 5,934 reviews, reviewers had a great experience with this company. Customers consistently praise the staff for their helpfulness, professionalism, and willingness to go above and beyond. Many people highlight the excellent service received, noting that employees are kind, patient, and make complex processes straightforward. Reviewers appreciate the personalized approach and the proactive support provided, often exceeding expectations. However, some customers also noted issues with customer service, experiencing long waiting times and feeling ignored. A few other people also felt that the systems in place were inefficient, leading to frustration and a perceived lack of care.

What people talk about most

Staff

Users describe positive interactions with staff, frequently highlighting their helpfulness, professionalism,... See more

Customer service

Clients share ambiguous opinions on customer service, with some reviewers praising helpful and efficient... See more

Service

Customers consistently note positive experiences with service, often highlighting staff as friendly,... See more

Payment

People report ambiguous experiences with payment, with many customers expressing frustration over blocked... See more

User experience

Consumers find user experience to be positive, with many praising helpful staff who make complicated... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Over the last few years I have found staff at Lloyds Bank Walton-on Thames branch to be extremely helpful. Supportive with my aging father’s banking needs. Always carried out in a professional and com... See more

Company replied

Rated 5 out of 5 stars

Call in to branch for bank statement alison herbert help me look at my credit score on my app and discussed alternatibe ways to bank. I am now starting a new job a looking to build my savings and impr... See more

Company replied

Rated 5 out of 5 stars

I would like to say a big thank you to Toyin for the excellent service I received at the Lloyds branch in Manchester. She was very kind, patient, and extremely helpful. Toyin explained everything cle... See more

Company replied

Rated 5 out of 5 stars

This morning I went to my local branch, Carfax Oxford. I saw Julie. She was outstanding! In a few minutes while printing the relevant bank statements I'd requested, Julie noticed that my Saving... 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

4.1

Great

TrustScore 4 out of 5

12K reviews

5-star
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2-star
1-star

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4.1

All reviews

(11,756)

5,974 reviews in the last 12 months

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Rated 5 out of 5 stars

Great service from Kimberly!

Great service! Kimberly from Strand brunch did a great job for us. Very patient and easy to understand her.

13 July 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi, I'm delighted to hear that Kimberly at our Strand branch provided such great service and made your experience a positive one. Thank you for your wonderful feedback and for giving our service a 5-star rating.

Thanks,
Sanjay

Rated 5 out of 5 stars

Card problems

I was has some problems with putting my bank cards on my new phone, a young gentleman from the bank called Dylan helped me out by talking me through exactly what to do . He was so patient as I’m not the best or quickest with technology. He’s a credit to Lloyds bank with his cheerie helpful manner keep up the good work and many thanks.

14 July 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi James. I'm delighted to hear that Dylan was able to help you get your bank cards set up on your new phone. We understand that technology can sometimes be challenging, and it’s wonderful to know that Dylan guided you through the process with patience, clear instructions, and a cheerful attitude. Thank you for your kind words.

Thanks,
Sanaa

Rated 5 out of 5 stars

Patience and support throughout the…

Patience and support throughout the meeting - Toyin at the Manchester branch, did an excellent job.

14 July 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Antonia. Thank you for taking the time to share your experience. It's wonderful to hear how much you appreciated the patience and support Toyin provided throughout your meeting at our Manchester branch.

Thank you for 5-star rating.

Thanks
Anisa

Rated 1 out of 5 stars

Can’t access account

Opened an account for a credit card with Lloyds, but I can’t use it, as they haven’t sent me an activation code for online banking. I need the activation code for online banking in order to activate the card. I’ve requested additional activation codes, still haven’t arrived. Trying to speak to someone on the phone is a genuinely infuriating experience. The AI can’t actually figure out what I want to do, then tried for about a minute to get me to set up voice security (this should happen after the customers query has been resolved), then finally after many turns through the machine, it told me I haven’t attempted to register for online banking and just went dead on me. After more attempts to call, I finally got through to someone on the phone… they told me I’m going to have to ring back tomorrow because it’s still not been 7 days since I last requested a new activation code, even though they could see the previous attempts on the account.

I wish I could shut the account down and switch to monzo, who seem to do everything really quickly, but I can’t access the account to get rid of the damn thing.

Total farce

14 July 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Robert. Thank you for taking the time to share your experience. I'm sorry to hear about the difficulties you've had getting your Online Banking set up and accessing your new credit card.

We understand how frustrating it must be to have requested multiple activation codes without receiving them, particularly when you've then had trouble getting the support you needed over the phone. We appreciate that this has not been the smooth and straightforward experience you were expecting.

Please allow one of our complaint managers to look into this further for you. You can complete our online complaints form by copying and pasting this link into your browser: http://spr.ly/62049BEV7LR

Thanks,
Sanjay

Rated 5 out of 5 stars

The transition to the Lloyds app from…

The transition to the Lloyds app from the Halifax was really simple and clearly explained. Well done. 🙂

14 July 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Abad. Thank you for your fantastic review and for taking the time to share your experience.

I'm happy to hear that your transition from the Halifax app to the Lloyds app was simple and clearly explained. Making banking easy and straightforward for our customers is really important to us, so it's great to know the process worked well for you.

Thanks.
Roopraj

Rated 1 out of 5 stars

Overall dreadful but they think there's nothing wrong!

I have a Lloyds credit card. I noticed that each month when a new statement becomes available the transactions going into that statement vanish from the app for about 24 hours. I hesitate to report such matters because I know they will use their AI bots to ask as many stupid questions as possible, but after it had happened several times I decided to try my luck. What a mistake!

I provided a full explanation of the problem. I then got asked for details I had already provided. I started to explain again but someone jumped in saying that they understood what I had said and gave a perfect summary of the situation. They said it sounded like a problem they had recently identified and solved. I asked when the fix had been implemented as I had encountered the problem only the previous day. I never got an answer to that or to why I had had been asked for further details when the problem had already been perfectly understood.

After that they started to state their final position which is that this is the way it's designed and they are perfectly happy with the fact that it hides my transactions for up to 48 hours. They don't even care that I was given wrong information. That just shows their idea of customer service is a joke

The reply is just an attempt to feign concern. I have already had my complaint referred to a complaint manager and am waiting to hear from that, but they have prejudged the issue telling me they are not going to uphold my complaint because they don't think they have done anything wrong. Their complacency is staggering!

13 July 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Peter, thank you for taking the time to share your feedback. I'm sorry to hear about your experience and understand how frustrating it must have been to receive conflicting information and feel that your concerns were not fully addressed. This isn't the level of service we aim to provide.

We'd like the opportunity to investigate this further for you. Please allow one of our Complaint Managers to review your concerns in detail. You can submit a complaint using our online form by copying and pasting the link below into your browser:

http://spr.ly/62049BEVfUP

Thank you for bringing this to our attention, and we hope to have the opportunity to look into this matter for you.

Thanks
Anisa

Rated 5 out of 5 stars

Love this bank!

14 July 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Neil. Thank you for sharing your review with us. I'm delighted to hear you have had such a positive experience with us.

Thanks
Anisa

Rated 5 out of 5 stars

Went to Oxford city center branch

Went to Oxford city center branch. (Carfax Oxford). All staffs were nice. Especially Malika. She helped us to answer all our questions. Really patience and helpful. Thank you. :)

13 July 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Duan. I'm delighted to hear about the fantastic service you received at our Oxford City Centre (Carfax) branch. It's especially great to know that Malika was able to answer all your questions and provide such patient and helpful support during your visit.

Thank you for your wonderful feedback and for giving us a 5-star rating.

Thanks.
Roopraj

Rated 5 out of 5 stars

Good bank

Myself and my mother have been seen 3 times by Karen in the Hemel Hempstead branch. What a professional helpful member of staff she is. Explained everything to us in terms that we both understood and very reassuring, so nice to be able to be seen and given time to help with our questions and not be rushed, always has time to answer questions. A joy to see & we will make the effort to see her for future visits, it certainly takes the stress out of going to the bank with

17 June 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Helen. I'm delighted to hear about the excellent service that you and your mother have received from Karen at our Hemel Hempstead branch. It's wonderful to know that Karen has supported you both on several occasions, taking the time to explain everything clearly and in terms that were easy to understand. Providing reassurance, answering questions patiently and ensuring customers never feel rushed are all qualities we greatly value, and it's fantastic to hear that Karen consistently demonstrates them. Thank you for leaving us a 5-star review. We appreciate the positive feedback.

Thanks
Pritesh

Rated 5 out of 5 stars

First class service today at

First class service today at the Lloyd’s branch in Derby. Many thanks to Anne for her knowledge, professionalism and patience when dealing with my banking request.
All issues were resolved in branch with the minimum of waiting time and a friendly attentive manner.
An overall excellent banking experience!!

13 July 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Elaine. Thank you for taking the time to share your feedback. I'm happy to hear that you received first-class service at our Derby branch. It's great to know that Anne's knowledge, professionalism and patience helped ensure your banking request was handled smoothly and efficiently. I'm especially pleased that all of your issues were resolved during your visit, with minimal waiting time and in such a friendly and attentive manner. We appreciate your 5-star review.

Thanks
Pritesh

Rated 5 out of 5 stars

I met with Pam at the Enfield branch…

I met with Pam at the Enfield branch who was professional, kind and extremely helpful she didn’t let me leave until I was happy and whilst we couldn’t sort out my query there and then she made an appointment for me with the appropriate specialist who will be able to assist me.

10 July 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Magda. I'm happy to hear about the excellent service you received from Pam at our Enfield branch. It's wonderful to know that Pam was professional, kind and extremely helpful throughout your visit. Even though your query couldn't be resolved immediately, it's clear that she was committed to making sure you received the right support and didn't leave without a clear path forward. Thank you for your kind words.

Thanks
Pritesh

Rated 5 out of 5 stars

I visited the Lloyds Bank branch today

I visited the Lloyds Bank branch today, handsworth (birmingham)and I had a very positive experience. The staff member was kind, patient, and very helpful. She took the time to explain everything clearly and made sure all my questions were answered. I really appreciate her excellent customer service and professional attitude. Thank you for your help and support.
She name is Miss Sue

13 July 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Abdealwasi. Thank you for your feedback. I'm glad to hear you had such a positive experience at our Handsworth branch. It's wonderful to know that the staff member was kind, patient, and helpful, taking the time to explain everything clearly and answer all your questions. Thank you for the positive review.

Thanks
Pritesh

Rated 5 out of 5 stars

Phone answered promptly

Phone answered promptly, helpful and completed what I needed

13 July 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Robert. I'm pleased to hear that your call was answered promptly and that the colleague you spoke with was able to help and complete everything you needed. Thank you for your 5-star rating.

Thanks
Pritesh

Rated 1 out of 5 stars

No morals and no issue breaking the law

Update to your response: as the review states you have responded to the complaint and see no ossues with breaking the law.

Llyod banking group see no issue in breaking the law.
They have breached the mortgage contract at least 17 times by failing to notify a deceased estate of rate increases. Now they wish to instruct an LPA receiver because of the arrears on the account, arreas they created. This action is forcing the este into insolvency. Their response to the complaint..... we have done nothing wrong.
I will be now be sueing them. Avoid these vile people at all costs.

13 July 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Jayne. I'm sorry to hear about your experience and the concerns you've raised regarding the handling of the mortgage account and deceased estate. We understand how frustrating and distressing it must be to face these challenges, especially when you feel our actions have contributed to the arrears. We take your feedback very seriously.

Please allow one of our complaint managers to look into this further for you. You can complete our online complaints form by copying and pasting this link into your browser: https://www.lloydsbank.com/contact-us/how-to-complain.html

Thanks
Pritesh

Rated 5 out of 5 stars

My experience in derby branch was…

My experience in derby branch was excellent with Sabina who was able to support me with my savings and day to day banking. Sabina saved me £22 a month on my current account where I did not use the insurance benefits.

13 July 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Molline. I'm delighted to hear that Sabina at our Derby branch was able to support you with both your savings and day-to-day banking needs. It's great to know that she reviewed your current account and identified that you were paying for insurance benefits you weren't using. By helping you move to a more suitable account, saving you £22 a month, Sabina demonstrated the kind of customer-focused service we strive to provide. Thank you for the positive review.

Thanks
Pritesh

Rated 1 out of 5 stars

Bad service

One person on counter , six wandering around with iPads or chatting amongst themselves about Facebook
Not a good service at all

13 July 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Michelle. I'm sorry to hear that your visit left you disappointed. I understand how frustrating it can be to see a queue forming at the counter while it appears that other colleagues are occupied elsewhere. We understand that when customers visit a branch, they expect prompt service and clear support.

Please allow one of our complaint managers to look into this further for you. You can complete our online complaints form by copying and pasting this link into your browser: https://www.lloydsbank.com/contact-us/how-to-complain.html

Thanks
Pritesh

Rated 5 out of 5 stars

Sabina at Derby branch very helpful &…

Sabina at Derby branch very helpful & supportive with explaining all the accounts through my app.

13 July 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Eyob. I'm delighted to hear that Sabina at the Derby branch was helpful and supportive in explaining your accounts through the app. Thank you for your 5-star rating.

Thanks
Pritesh

Rated 5 out of 5 stars

Ola at Barnstaple Branch

Ola, was simply fantastic. I have been trying to get back on mobile banking for 6 weeks after a change of mobile 'phone. Lloyds is institutionally difficult to deal with and its telephone support staff lack competance. That was until I saw Ola in the Barnstaple branch and she had just the right level of understanding to overcome the poor systems design that I had been dealing with. Ola is a priceless asset to Lloyds. I will never recommend the bank to anybody but I will always seek out Oka's help in future. Thank you Ola for first class customer service.

13 July 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Keith. I'm happy to hear about the excellent service you received from Ola at our Barnstaple branch. After six weeks of difficulties regaining access to Mobile Banking following a phone change, I can appreciate how frustrating the experience must have been.

I'm sorry to hear that your previous attempts to resolve the issue left you feeling let down by our systems and support channels. However, it's fantastic to know that Ola took the time to understand the problem, navigate the difficulties you'd encountered, and provide the solution you needed. Thank you for your kind words.

Thanks
Pritesh

Rated 1 out of 5 stars

Waiting for refund

I have been waiting for a refund from a transaction which the banks travel hub completely messed up leaving my partner and myself without accommodation . Why does it take almost a MONTH to refund me for something which was their fault . Customer service is obviously of no importance to Lloyds.

15 June 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Norman. I'm sorry to hear about your experience. I completely understand your frustration. Being left without accommodation while travelling due to an error is stressful enough, and then having to wait almost a month for a refund on top of that only adds to the inconvenience.

Please allow one of our complaint managers to look into this further for you. You can complete our online complaints form by copying and pasting this link into your browser: https://www.lloydsbank.com/contact-us/how-to-complain.html

Thanks
Pritesh

Rated 1 out of 5 stars

Rigid Service

I’ve requested for a signed and stamped bank statement as it’s needed for an important documentation. They’ve refused to sign, I called another bank and they’ve accepted to do this without issues.

This is just terrible, I’ve been using this bank for years. Will be switching all my payments to Monzo.

13 July 2026
Unprompted review
Lloyds Bank logo

Reply from Lloyds Bank

Hi Tijesuni. I'm sorry to hear about the difficulty you encountered when requesting a signed and stamped bank statement. We understand how important such documentation can be, and it's concerning that we couldn't meet your needs on this occasion.

Please allow one of our complaint managers to look into this further for you. You can complete our online complaints form by copying and pasting this link into your browser: https://www.lloydsbank.com/contact-us/how-to-complain.html

Thanks
Pritesh

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