Lloyds Banking Group Avis 

Lloyds bank is a disgrace. Being self employed, I had two overdrafts with them. I have always paid on time. They literally closed one as soon as money went into the account. This evening, they have removed my other overdraft facility. No warning. No discussion. An absolutely disgusting way to treat a customer of 20 plus years. I will be going else where after this. Thanks lloyds staff, for your lovely new year present. So kind and thoughtful of you 😡

Terrible terrible banking group.
Randomly blocking access to funds without any notification or pre warning, being passed endlessly around without any logical resolve to simple issues. Long drawn out communications with automated systems.

No 24/7 advise line as that's now reserved for paid subscription members which is disgusting, the common man can now only manage any financial crisis via a wholly inadaquate text messaging service. Long wait for responses, rarely followed up by the same employees, who then seem incapable of following an ongoing line of enquiry so its back to square one.

It took me 8 hours, 7 fruitless phonecalls and 45 painful log-ins just to resolve a blocked card issue due to.....wait for it.......an Ebay purchase. Not a single Nigerian prince offering riches for a small transactional fee in sight. Just Ebay, because obviously Ebay purchases are wholly uncommon and highly suspicious as standard. (Yes sarcasm is the lowest form of wit, yet I still believe half of that will elude Lloyd's managerial team)

Banking was once a very reliable respectable system but now it seems basic services are only sold to the highest bidder and their only modus operandi is to interfere, frustrate, and treat good, honest hard working people like sub human creature not deserving of even a basic level of prompt civilised service.

Disgusting.

The banking system is dying.

Lloyd's are simply twisting the knife.

I applied for a Lloyds credit card last month, and they promised I’d be able to use it instantly with a digital card. That was a lie. The app threw constant errors whenever I tried to view card details, and the issue only “resolved” weeks later - conveniently right when the physical card arrived.

But the nightmare only began there. The Lloyds app is shockingly unreliable:
- No transaction notifications.
- No credit score alerts.
- No way to view recent transactions on the website.

I’ve tried every fix - toggling settings, reinstalling the app - nothing works. Customer service has been a disgrace. They keep closing and reopening complaints without progress. It’s been over a month, and I’m still stuck with the same broken system.

This isn’t just inconvenient - it makes managing finances unnecessarily difficult and stressful. For a major banking group, Lloyds operates like a second-rate tech startup that doesn’t test its own products. Their promises are empty, their systems are broken, and their support is useless.

Avoid Lloyds if you value transparency, functionality, or even basic competence.

Customer services lady in branch, jumps on you as soon as you walk in the door !
I knew where I needed to go and didn’t need jumping on !
An elderly man struck up a conversation with me, saying he doesn’t want to use wall machines , he wants to deal with a person. He added , they, meaning staff made him feel intimidated. Just then the customer services lady called across from behind the desk… “ I hope your not talking about me, I can hear you ! “ How rude of her to do this !
The man was mortified.
My husband said, “he was talking to us of his feelings “ with this she started again !!! Saying,” well we listen you know . “
Then our turn came. I deposited my cash and asked for a receipt… “ No” . “ cashier said we cant issue them anymore. I wanted to pay some money on my o credit card… @No cant do it here, you have to go on the appointment list at the desk over there “
What the hell !!!!
Then another cashier who I dealt with could not give me a receipt or statement !!! Not allowed to issue them anymore!!
Only out the hole in the wall. Then proceeded to tell me to change my preferences on line if I want paper ones.
This Branch Yardley Birmingham is a joke !! Bad attitude, rude and condescending !!
No a smile or a how are you today ? From any of them !!!! I will do my best to avoid this Branch in future .

Being 85 years old have difficulty using the new system of making payments at cash point don't know why Lloyds have stopped making payments via very pleasant staff at the desk. However a very helpful gentleman called Kev quickly sorted things many thanks

Megan from the bridgend branch was very helpful and efficient.

Lloyds Bank Are Going Down Hill as this is now the second time I have had to phone customer service about issues.
First call made was I needed a new Visa Debit Card for one of my accounts but they decided to send me cards for my two accounts I have with them when I only asked for one which was due to expire, they also sent me new PIN numbers which I did not need.
Today I got a letter dated 07/11/25 saying that I have not used my Visa Debit Card Leading up to 07/11/25 but when I looked at my latest statements and the ones on my online banking A/C I used my Visa Debit Card on various dates in August, September & October 2025 both online with my Energy Company, Marks & Spencer and at my local Post Office getting money out with my Visa Debit Card £100.00.
This is now the second time I have had these issues and had to make another Official Complaint with Lloyds Bank and I have requested that this complaint is officially passed to their complaint department.
I need someone to call me who will look into this as it seems to be an ongoing issue with Lloyds.
I did receive a call for the first issue and apology and it was agreed it was an error on their part and she would give me £40.00 paid into my account as a Good Will Gesture.
Well now I will see what happens with this 2nd Complaint as there seems to be an ongoing issue with Lloyds Bank and total incompetence not carrying out their jobs properly.
Please don’t take this as being against foreign people but everyone I have spoken to seems to have foreign names could this be an issue with the training of them to the standard that Lloyds Bank once had years ago.

Access Issues & Poor Customer Service

Two issues: first, I attempted to access my mobile/ online accounts, had to reset the password and memorable information, and now must wait 7 days for a code to arrive.

Second, when I called I spoken to in a patronising manner, and I felt as though I was being treated as an idiot. The person I spoke to (cannot recall name as I'm too agitated) simply repeated what is on the website, and was completely unhelpful: at least a chatbot doesn't take a tone when engaging.

I will be taking legal action as I had expected payments to come through today, which were intended to cover my disability related medication and food expenses today which I won't be able to access.

I'm closing my account the moment I get back into them.

The worst company I have ever worked for. Sheer negligence on their part caused me a permanent back injury, they lied their way through the grievance I had to raise, as they denied any wrongdoing and twisted everything I said to mean something different, because they knew I was right and they were covering each other's backs. They wouldn't accept my request for everything to be in writing, they demanded meetings whereby a third party took notes and wrote them up later, thus twisting what I'd actually stated.
They wrote to my GP twice, yet never asked about a previous injury (which I'd thought initially was connected but was completely different, as a separate location, 1st was coccyx, 2nd was L3). Organised a meeting with “Group Investigations, Security and Fraud”, who claimed they were “completely impartial”, promised I would receive a copy of their report, then reneged on that. I put in a DSAR request at the beginning of September 2015 should have received that by 40 days later, they didn't send it until, having contacted ACAS, I had signed the COT3, disallowing any further claims. I could have gone to tribunal, but I was so stressed by that time I just signed to get them out of my life. The report, which I received as part of my DSAR, in February 2016, four months after I should have received it, claimed in black and white that I'd had a car accident in 1985 and “Group Investigations” were “very concerned” about that! Both myself and my GP were extremely concerned about it as well, as neither of us have any recollection of this “accident”, and there is nothing in my medical records regarding it either. Nick Dunn, along with Louise Dignam, both of Group Investigations, sat in a meeting with me for 3 and a half hours, yet never once asked about any car accident - because they knew full well there wasn't one! Kerry Harris (now Marsh), who I'd never even spoken to before, was in charge of one meeting with me. On receipt of my DSAR, I discovered that she'd actually said I'd told her about “the car accident” but I didn't want it on record!! That right there is the original fraud that LBG seized on, and wouldn't let go. There were very few people within LBG that I would have confided in, and she was certainly not one of them! What the original injury was, was in 1979, and cleared up within 6 months, but I hadn't wanted them to know it was from a domestic violence incident, and I'd been a battered wife. So they made up their own story, because that fitted their narrative better. Even I didn't like the person they portrayed me as. And when you find them out in a lie (not “if”, because they continually contradict themselves), they clam up and just don't respond to you - typical juvenile reaction!
Lloyds Banking Group is run by a bunch of liars, thieves and fraudsters, who will stop at nothing to prevent them having to pay for their own misdemeanours. There are no depths to which they will not stoop. It's taken me absolutely ages to pluck up courage to write about my experience working with this shoddy company, who couldn't even be bothered to spell mine and others' names right, dimwitted morons.

Took a loan out at the beginning of this year with MBNA who is part of the Lloyds banking group. The amount of junk they send you via post is unbelievable and totally unnecessary. Every time you want to make an overpayment towards it, they send you a letter EVERY TIME thanking you for paying and telling you the remaining balance. When I called up, verified myself and asked to opt out of it, they told me I’m not allowed and they NEED to send a letter each time lmao, ok ? For all we know this is probably to discourage customers from making overpayments so they can rack up as much interest as they can.

BUT IT GETS BETTER…. I opened a Lloyds current account less than a month ago and funded this with transfers from my usual bank who I’ve been with since 2009. They had no problem whatsoever but as soon as I then tried to transfer £800 back to the that account they blocked me for fraud and demanded I call them to explain. Got through to them and explained that this is literally the very same account that I was transferring money from in the first place and it was my own account etc etc, then less than 24 hours later I got a text to say that they were closing my account in two months time. And that was it. Literally zero explanation nor explanation elaboration as to what was happening to all the money in it. Not even a phone call out of courtesy or nothing. So phoned them in a panic and they said they don’t have to disclose why they don’t want me as a customer etc lol, how convenient and petty. When I asked what was happening to my money they said I would need to come into a branch in person and take it all out in cash. Got to the branch and felt like a proper reprobate telling them that I had the account closed on me after three weeks lol. I have also been kicked off of the MBNA app as well - where all you can do is literally view the balance of your loan and nothing else hahahaha, can’t even make extra payments towards your loan on it - so pointless and pathetic. But they’ll still let you continue the loan of course as it lines their pockets, and I just can’t wait for all the rest of the junk they send me each time I continue to make repayments via bank transfer :) Honestly just save yourself the bother and bank elsewhere!

A terrible bank; branch staff are unhelpful - they don’t work with their call centres and centralised functions - stupid open hours and all told a poor experience. The branches themselves are just a hive of staff who avoid eye contact and want to avoid you. Honestly - avoid at all costs…

Consett branch - setting up Joint Account with relative who is technophobic- treat with such kindness and respect. Thank you Brandon.

Since this bank has teamed up with the bank of Scotland its got worse just as I expected it would. And to top all that, this week they have messed with their customers including myself blaming Amazon for all the wrongs under the sun. Giving me total stress, they don't even apologise for in inconvenience caused by their mess that they made people go through, I will be gladly taking my custom elsewhere.

I have made MULTIPLE (probably 50) attempts to open an account. Supposedly it can be done online.... it can't.

On several occasions after jumping through the various hoops and clicking 'submit' it immediately replies saying that I am not eligible. I AM eligible, but it doesn't give a reason why.

Part of the process is to confirm ID by uploading an image of your Passport or Driving Licence via phone. I have tried time and time again to take an image of my Passport.... app says the image is unsuitable becuse it is cropped (it isn't), blurry (that's the best my phone will do) there's glare on the image (the photo page has a shiny finish... nothing I can do about that) or it can't read the detail (it is clearly visible).

I have done all of this on a previous application for another account, which worked.... eventually. However, even after managing to upload the image it is then prone to reject applications without giving a reason right at the end, meaning that the whole process has to start again.

I am trying to run a business, I do not have time to mess about with this useless system.

Take my advice, look elsewhere. If they can't get this bit right do you think the rest of their service is worth the trouble?

Great customer service. Yesterday I had to call up due to a refund dispute with a store and this was handled straight away. Didn’t get the name. Today I spoke to a guy called Steven (Scottish) due to a payment block on my Tesco order and again dealt with efficiently with kindness and respect.

Called yesterday as drew a sum from a supermarket atm and no money came out but it was taken from my account. Assistant I spoke to was extremely helpful. Phone was answered in a timely manner, she could she the problem and rectified it straight away. Had to confirm my email address but I gave her the wrong one. Explained I was getting married in 2 weeks and have changed my email. She wished me congratulations and that was that. Well, today you could knock me down with a feather! Got home to find a large parcel. A big green lloyds bank box containing a big beautiful bunch of flowers with a card wishing me congratulations for my wedding! What a suprise and what a lovely thought. To think you went out of your way after our call to arrange that. Thankyou so much to Dominika xx

Lloyds used to be a good bank but sadly it has become one of the worst.
1. The mobile app is seriously bad. You can't even see when your bonds or ISAs mature. I reported this as an issue to them but it's been a year and it's still not working.
2. The agents on the phone do not know what they are doing. They simply pass you on to a another for a very simple request. You easily end up spending half a day chasing them to get something done.
3. The investment team is simply useless. I think the system is set up so that you can put your money in easily but they make it almost impossible for you to withdraw.
4. My local branch is closed on Tuesday for no good reason. Try to name another high street bank that is shut on a Tuesday.

Terrible customer service and ridiculously time consuming processes. There are certain actions you can only take via chat on the app, and the wait times are horrendous. If you phone and get through to someone they are rude and (based on my experience today) nothing is ever their fault and the customer is always wrong. I will be switching to another card as soon as I can.

I have been with Lloyds since 2018 and never had any problems with them until today. I transferred a large sum to pay for something for my car and they freeze the payment and interrogated me for 40 minutes and have freezed my account. I have never been treated like this. This has finally been resolved, but I did not like the treatment. A gentleman by the name of Connor finally settled the matter. Thank you Connor and some of the staff on the fraud team for their professionalism

Had accounts hacked into and money removed, also the person took out a credit card at 4pm and was spending on it within 15 mins - what bank would allow that! Spent almost 2 hours being passed from fraud department and services just trying to re set up internet banking. No one knew what to do they then passed me to an outside agency to discuss my accounts !!! Spoke and again to customer non service department that a password/ code was sent out to me one and half hours earlier. Do they not know how to read a screen