Lloyds Bank

Lloyds Bank is part of the Lloyds Banking Group, which includes Halifax, Scottish Widows, Birmingham Midshires, and Bank of Scotland as well as some smaller brands.

As part of a large group, Lloyds Bank offers a wide range of both banking and insurance products.

Its travel insurance is underwritten by AXA, while its car insurance is underwritten by a panel of various insurers. BISL administers these policies.

Its home insurance is underwritten by Lloyds Bank General Insurance Ltd, another member of the Lloyds Banking Group.

Lloyds Bank
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Gold ribbon: first place

Bank accounts

Ranked 14th of 34 providers reviewed.

Customer happiness 58%
Customer trust 48%
Complaints performance 78%
Transparency rating 54%
Fairer Finance score
Reviewed Autumn 2019
59%

Car insurance

Ranked 46th of 53 providers reviewed.

Customer happiness 56%
Customer trust 52%
Complaints performance 63%
Transparency rating 43%
Fairer Finance score
Reviewed Autumn 2019
54%
Gold ribbon: first place

Credit cards

Ranked 11th of 32 providers reviewed.

Customer happiness 55%
Customer trust 47%
Complaints performance 78%
Transparency rating 52%
Fairer Finance score
Reviewed Autumn 2019
58%

Home insurance

Ranked 25th of 49 providers reviewed.

Customer happiness 53%
Customer trust 48%
Complaints performance 64%
Transparency rating 66%
Fairer Finance score
Reviewed Autumn 2019
58%
Gold ribbon: first place

Mortgages

Ranked 7th of 21 providers reviewed.

Customer happiness 56%
Customer trust 46%
Complaints performance 80%
Transparency rating 58%
Fairer Finance score
Reviewed Autumn 2019
60%
Gold ribbon: first place

Personal loans

Ranked 8th of 29 providers reviewed.

Customer happiness 53%
Customer trust 48%
Complaints performance 78%
Transparency rating 66%
Fairer Finance score
Reviewed Autumn 2019
61%

Savings accounts

Ranked 24th of 46 providers reviewed.

Customer happiness 46%
Customer trust 48%
Complaints performance 78%
Transparency rating 58%
Fairer Finance score
Reviewed Autumn 2019
57%

Bank accounts

Basic bank accounts

Current accounts

Foreign use bank accounts

Lloyds Bank

Platinum Account

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

Lloyds Bank

Club Lloyds Platinum Account

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

Lloyds Bank

Classic Account

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

Lloyds Bank

Club Lloyds

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

Lloyds Bank

Student Account

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

Lloyds Bank

Graduate Account

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

Lloyds Bank

Basic Account

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

Overdrafts

Packaged bank accounts

Student bank accounts

Car insurance

Lloyds Bank

Car Insurance (with guaranteed replacement car, keycare and RAC breakdown)

3 stars
Cover for keys/locks if lost i £1,000
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i £1,000
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 3 years
Courtesy car provided if stolen / total loss i

Lloyds Bank

Car Insurance

2 stars
Cover for keys/locks if lost i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i £500
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 3 years
Courtesy car provided if stolen / total loss i

Credit cards

0% balance transfers

Lloyds Bank

No Fee 0% Balance Transfer

5 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 15 months
Representative APR i 19.90%
Risk based? i
Representative balance transfer rate i 1.53%

Lloyds Bank

Low Fee 0% Balance Transfer

3 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 24 months
Representative APR i 19.90%
Risk based? i
Representative balance transfer rate i 1.53%

Lloyds Bank

Our longest 0% Balance Transfer

3 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 28 months
Representative APR i 19.90%
Risk based? i
Representative balance transfer rate i 1.53%

Lloyds Bank

0% Purchase and Balance Transfer

3 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 20 months
Representative APR i 19.90%
Risk based? i
Representative balance transfer rate i 1.53%

0% purchases

Lloyds Bank

0% Purchase and Balance Transfer

5 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 20 months
Representative APR i 19.90%
Risk based? i
Representative purchase rate i 1.53%
Number of days before interest is charged on purchases i 56 days

Lloyds Bank

Low Fee 0% Balance Transfer

4 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 12 months
Representative APR i 19.90%
Risk based? i
Representative purchase rate i 1.53%
Number of days before interest is charged on purchases i 56 days

Lloyds Bank

Our longest 0% Balance Transfer

3 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 3 months
Representative APR i 19.90%
Risk based? i
Representative purchase rate i 1.53%
Number of days before interest is charged on purchases i 56 days

Lloyds Bank

No Fee 0% Balance Transfer

3 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 6 months
Representative APR i 19.90%
Risk based? i
Representative purchase rate i 1.53%
Number of days before interest is charged on purchases i 56 days

Foreign use credit cards

Lloyds Bank

Low Fee 0% Balance Transfer

3 stars
Representative APR i 19.90%
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.53%

Lloyds Bank

Our longest 0% Balance Transfer

3 stars
Representative APR i 19.90%
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.53%

Lloyds Bank

No Fee 0% Balance Transfer

3 stars
Representative APR i 19.90%
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.53%

Lloyds Bank

0% Purchase and Balance Transfer

3 stars
Representative APR i 19.90%
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.53%

Lloyds Bank

Low Rate

3 stars
Representative APR i 9.90%
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 0.79%

Low rate

Lloyds Bank

Low Rate

4 stars
Representative APR i 9.90%
Representative cash transaction rate i 0.79%
Representative purchase rate i 0.79%
Risk based? i
Representative balance transfer rate i 0.79%
Representative money transfer rate i 0.79%

Money transfers

Lloyds Bank

Low Fee 0% Balance Transfer

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 19.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 1.53%

Lloyds Bank

Our longest 0% Balance Transfer

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 19.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 1.53%

Lloyds Bank

No Fee 0% Balance Transfer

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 19.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 1.53%

Lloyds Bank

0% Purchase and Balance Transfer

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 19.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 1.53%

Lloyds Bank

Low Rate

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 9.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 0.79%

Home insurance

Lloyds Bank

Home Insurance Premier

5 stars
Escape of water excess i £50
Matching sets i
Theft from outbuildings i £10,000
24hr helpline i
Alternative accommodation i £100,000
Cover for keys/locks if lost i Sum insured
Money in the home i £1,000
New for old i

Lloyds Bank

Home Insurance

3 stars
Escape of water excess i £500
Matching sets i
Theft from outbuildings i £0
24hr helpline i
Alternative accommodation i £30,000
Cover for keys/locks if lost i £250
Money in the home i £500
New for old i

Buildings insurance

Lloyds Bank

Home Insurance Premier

5 stars
Trace & access i £5,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Compulsory excess i £50
Escape of water excess i £50
Alternative accommodation cover limit i £100,000
Cover for keys/locks if stolen i Sum insured
Property owner liability i £2,000,000
24hr helpline i

Lloyds Bank

Home Insurance

2 stars
Trace & access i £5,000
Matching sets i
Cover for keys/locks if lost i £250
Compulsory excess i £100
Escape of water excess i £500
Alternative accommodation cover limit i £30,000
Cover for keys/locks if stolen i £250
Property owner liability i £1,000,000
24hr helpline i

Contents insurance

Lloyds Bank

Home Insurance Premier

5 stars
Theft from outbuildings i £10,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Cycles included whilst in the home i £500
New for old i
Alternative accomodation i £30,000
Money in the home i £1,000
Cover for keys/locks if stolen i Sum insured
24hr helpline i

Lloyds Bank

Home Insurance

3 stars
Theft from outbuildings i £0
Matching sets i
Cover for keys/locks if lost i £250
Cycles included whilst in the home i £500
New for old i
Alternative accomodation i £20,000
Money in the home i £500
Cover for keys/locks if stolen i £250
24hr helpline i