Review summary

Lloyds Bank Insurance has room for improvement based on customer feedback. Customers particularly appreciate service and professional, though some mention concerns about customer service and communication.

Based on reviews, created with AI

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deplorable treatment by Fraud team

deplorable treatment by Fraud team, verifying a transaction asking me my mothers milk, at some point the woman on the phone says, may be you are a fraudster, unacceptable treatment of clients, I hang up after 25 min of nonsense, they blocked my account prior to a trip of mine abroad leaving me stranded, went to unblock it after my return, was told they were closing the account in a month, no explanation, never received a letter to that effect, they told me they would resend the letter, two weeks later still no letter!!!! wtf guys, are you a bank or what

C
0% balance transfer why would you do that

Offered me a 0% balance transfer, then suspended my account because I tried to do a balance transfer! I spent 30 minutes on the phone trying to find out what was happening and how to sort it. I now have to find a branch that hasn’t closed down to answer some questions about why I wanted to transfer a balance. I’ll have to take time off work and they just don’t give two sh**s.

Useless fraud department

Wouldnt help me after i got my money stolen and took 3-6 hours at a time to respond, so even though i started a conversation at 6am it still hadent been sorted by 9pm then they decided to cut me off. And left me on seen constantly for like an hour. Assholes

I've been a customer for 25 plus years…

I've been a customer for 25 plus years the only time I've needed help from them with a fraud case and they gave the fraudsters their money! Avoid lloyds like the plague!

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Showing 11 - 20 of 996 reviews
FP
1 out of 5 stars

They have the worst customer service…

They have the worst customer service I've ever experienced. I don't see the point of having mobile banking if you still have to visit a branch in person to resolve an issue. Very frustrating.

Date of experience: July 10, 2025

A
1 out of 5 stars

pathetic customer service after being…

pathetic customer service after being scammed by a locksmith guy. even after providing them enough proofs they could not help me getting my money back. please choose another bank over this as they cant help you if you get scammed. they will just do false promises.

Date of experience: July 10, 2025

j
1 out of 5 stars

Internet banking failed four times.

It's 8.21pm, Wednesday 9th August. I just logged into my account to make a payment but there is the message in red,'Sorry, there was a technical fault. Please try again later. If the problem persists...' etc. Also, a drop down box asks me to log in when I'm already logged in. That was my 3rd attempt. I won't contact Lloyds because there are certain to be many security questions. I'll leave this review. And while we're here, why have a blank 'interstitial page' after logging in and before the accounts summary every time? IT people, get a grip! UPDATE: 8.44am, Thursday 10th August. System failed again - change of plans needed for me now. Busy morning!

Date of experience: July 9, 2025

B

BVD

US

1 out of 5 stars

You go through all security of setting…

You go through all security of setting up a new account and then when you need to make a transaction its blocked. More time to now go through the process of confirming its me.

Date of experience: July 9, 2025

TG
1 out of 5 stars

“What kind of unprofessional service is…

“What kind of unprofessional service is this? What a joke. The ID scanner you use doesn’t even work. I spent an hour trying, and it still couldn’t read my ID. In today’s world, people are taking pictures from space, and Lloyds Bank can’t even scan an ID? Are you kidding me? We can’t even open an account. I’ve never seen such a disaster in my life. If a bank can’t even take a proper photo of an ID, what else can you expect from them? You are an embarrassment. All you’re good at is wasting people’s time. I will make sure everyone knows about this disgrace. You’re a pathetic, incapable bank that uses the worst system on earth just to do a simple ID check.”

Date of experience: July 8, 2025

ET
1 out of 5 stars

Terrible start

First transaction I complete on a new business account gets blocked. 4 calls across 24hrs to unblock it, getting passed from team to team, 3 times I get transferred and the line goes dead. I now realise how incompetent high street banks are and the reason internet banks are taking over.

Date of experience: July 8, 2025

KJ
1 out of 5 stars

Terrible from top to bottom

Terrible bank. App was extremely poor. Wanted additional services from them which they refused and couldn't give me a reason for. Give Monzo a go, much better.

Date of experience: July 8, 2025

BH
5 out of 5 stars

Brilliant Fraud Prevention Team

I had an issue with a large payment being blocked due to suspicions of fraud, and ended up having to call the Fraud Prevention Team in the middle of the night. The lady who helped me could not have been nicer! So pleased with this service, it was a long process involving multiple security questions and she was thorough and understanding at all times. Such a relief to get my account unblocked, thank you so much.

Date of experience: July 8, 2025

F
1 out of 5 stars

Shambolic - Avoid

Avoid getting involved with this shambles of a business at all costs. I have no idea how their IT Department do their business, but it doesn't work and the 'banking' is a national embarrassment. No e-mail addresses, sterile (purile?) customer services, no ability to solve problems (of their own making!).....this bank will not last long if this level of shambolic reactions to customer help requests is representative....which, from my experience, it is every time. Best go to a bank that provides service and values its customers.

Date of experience: July 7, 2025

KA
1 out of 5 stars

Staff don’t listen and talk over customer

Third day in a row had to call fraud team as my transaction to pay money to myself has been stopped. Each team member I spoke to at Lloyds in order Stephen, Gary and today Grace - have each time decided to talk over me whilst I was complaining to them why I was being stressed out. They ask the most impertinent questions in particular what are you spending this money on!!! What’s the relevance - my money was stopped and I have to call them to release it - surely this action implies that I want to continue- but they also ask that as the last question ! I understand that crime online is massive but I don’t need to walked by their hand to move my money. These sums were deposited in four separate payments into my account but NONE of these flagged as suspicious or gave their fraud team any alert - so happy to revive income but not happy to release it. Do I have control of my own finances or do Lloyds control what I am able to spend my money on. They read scripts and then deny reading a script but word for word each agent read the same spiel and wasted my time - again no acknowledgement of the fact I advised each of them I was mentally aware of scams,fraud and online manipulation. This was so stressful and made my anxiety levels rise it affected my current medical condition. I know I can switch Banks and have considered this but my loyalty over the last 60 years account for nothing and I know that most institutions that we all have to use such as banks are as bad as each other and only shareholders and profits are important - customers are just an inconvenience. Lloyds bank need to listen to the three calls and arrange a review of staff training. I have another transaction to handle in the next 24 hours and I can guarantee it will be stopped. I have a feeling my account might now be tagged to cause me further frustrations - Lloyds need to turn back the clock and stop relying on AI technology and place the customer first. I feel burnt out trying to get my feelings across to them.

Date of experience: July 6, 2025

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