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 9th of 30 providers reviewed.

Customer happiness 58%
Customer trust 49%
Complaints performance 83%
Transparency rating 69%
Fairer Finance score
Reviewed Spring 2019
65%

Car insurance

Ranked 44th of 51 providers reviewed.

Customer happiness 56%
Customer trust 51%
Complaints performance 63%
Transparency rating 34%
Fairer Finance score
Reviewed Spring 2019
51%
Gold ribbon: first place

Credit cards

Ranked 10th of 34 providers reviewed.

Customer happiness 55%
Customer trust 49%
Complaints performance 83%
Transparency rating 59%
Fairer Finance score
Reviewed Spring 2019
61%

Home insurance

Ranked 26th of 47 providers reviewed.

Customer happiness 52%
Customer trust 48%
Complaints performance 63%
Transparency rating 58%
Fairer Finance score
Reviewed Spring 2019
56%
Gold ribbon: first place

Life insurance

Ranked 4th of 25 providers reviewed.

Claims score 99.19%
Complaints performance 89.92%
Transparency rating 57%
Fairer Finance score
Reviewed Spring 2019
80%
Gold ribbon: first place

Mortgages

Ranked 8th of 23 providers reviewed.

Customer happiness 56%
Customer trust 44%
Complaints performance 81%
Transparency rating 60%
Fairer Finance score
Reviewed Spring 2019
60%
Gold ribbon: first place

Personal loans

Ranked 4th of 24 providers reviewed.

Customer happiness 57%
Customer trust 51%
Complaints performance 83%
Transparency rating 65%
Fairer Finance score
Reviewed Spring 2019
64%

Savings accounts

Ranked 17th of 42 providers reviewed.

Customer happiness 45%
Customer trust 45%
Complaints performance 83%
Transparency rating 67%
Fairer Finance score
Reviewed Spring 2019
60%

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 20 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

28 month 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

28 month 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

Lloyds Bank

Low Fee 0% Balance Transfer

2 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

28 month Balance Transfer

2 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

2 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

2 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

2 stars
Representative APR i 6.40%
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 0.52%

Low rate

Lloyds Bank

Low Rate

5 stars
Representative APR i 6.40%
Representative cash transaction rate i 0.52%
Representative purchase rate i 0.52%
Risk based? i
Representative balance transfer rate i 0.52%
Representative money transfer rate i 0.52%

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

28 month 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 6.40%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 0.52%

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