Lloyds Bank Insurance
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If you have any other option take it…
If you have any other option I would bank elsewhere. I have held bank accounts with Lloyds for 50 years and they just keep getting worse. Their customer service is abysmal, all of their customer interactions are driven by background algorithms, their staff just provide a dumb data entry interface between the customer and the system and the result of that interaction is whatever the system spits out. If the transaction is of the commonplace vanilla variety it may work, if there is even the slightest hint of nuance the system collapses and the computer says no. Significant elements of their I.T. systems work poorly or not at all, they deliver poor value of foreign exchange and currency accounts. They've closed the majority of their branches making the inconvenience of needing to travel to one when one of their systems fails significant. I can think of nothing good to say about them, banking with them is utterly miserable!