Lloyds Bank International Currency accounts: As UK resident working overseas, Lloyds is anything but convenient. You do not have direct, easy or convenient access to your account. Internet access requires you to have mobile phone reception. In fact any internet banking process (transfers, direct debits etc) require you to confirm everything with your mobile phone - either via a text message or costly call from Lloyds. This defeats the purpose of "internet banking". Using your card abroad is a painful process - you have to call Lloyds almost every time you try to make a transaction as they will put a security block on your card more often than not. The phone numbers that they show on the website, on the back of your debit/credit card do not connect you to the correct department, if for example you want to speak to card security to unblock your card you'll likely spend 40 minutes being transferred to the wrong person and waiting to speak to the next wrong department. They do not have an app for international currency accounts - despite having had these accounts for 25+ years. Their security verification process is so unreliable and antiquainted that instead of having one secure process (authenticator app or verification by their own Lloyds app - should they ever launch one) you have to enter multiple passwords then wait for a phone call or text message. In general - they're useless.

I have one hundred thousand pounds in Lloyds .is my money safe.i cannot get online banking.last time I checked my account.i was only getting 50 pounds a year on 100.000.i want to change banks.

Tried to transfer 8K to Funding Circle and was requested to call fraud centre. Answered all the questions and was told everything was alright. Next day checked to see if transaction had gone through and account access was blocked. Help desk useless: answered all their questions except the last one concerning most recent transaction. Naturally, as I was unable to access my account I could only guess and gave the wrong answer. Told they couldn't proceed any further and I would have to write to IOM to reopen account access. Did that and got no reply except two separate lots of forms requesting personal details. Called another "help desk" and was informed that I wasn't on their records and that I needn't have written to IOM but should re-apply for internet banking. Did that and two weeks later still waiting for access number. Total shambles of a service and no one to help me.

Everything takes disastrous amount of time. When I was applying for the account they failed to mention they will not do it without National Insurance Number, even though I specifically asked for it, but they just said we will see what we can do - in the end I ended up 7 weeks for the account to be opened because of it. Ordering a foreign transfer over the phone took me one hour! And you cannot do it online! People in the branches absolutely incompetent, when you ask them a question they call a help-line themselves, which did not even work at the time when I was in the branch. There is nothing positive about my experience with this bank. I regret opening account there. Disaster!

There online banking service is terrible, problems logging on, problems setting up payee's, slow. At one stage you could only log on using internet explorer. On the plus side if you keep complaning they keep giving you money to shut you up, £60 and £20 so far.

I would not like to say any more. But i have to toget it registered

As a Guernsey resident, I needed a local bank for normal day to day transactions. All was running smoothly until, due to unusual family circumstances, a great deal of my income was taken up with helping to repatriate a close relative. I asked the bank if it would be possible to arrange a very small overdraft for a short period of time. The blunt answer, without any requests for further information, was No. Naturally, my account became overdrawn. I asked again. No again. The problem was further compounded when a Direct Debit was taken from the account a month early. I was promised (by phone) that they would not make any charges. They have, which has now taken me overdrawn again, so they will then charge me next month for being overdrawn! I shall now be taking my complaint direct and face to face with the manager on Monday. Watch this space...

UK Lloyds bank promises to deposit funds after 2 working days, make them available by 4 working days and can take up to 6 working days to take the funds back. Lloyds offshore just took 9 days to clear a UK cheque because they won't keep same promises as Lloyds UK Customer service is appalling, tried to complain, they said screen kept freezing and after half an hour asked if they could call me back.

After investing 25 000 GBP in a 3 and half year OLED and which has just matured I am informed that I will just be receiving my capital back. No money was made blah blah blah. What a pathetic performance and makes me wonder what idiots they must have playing with our money. A bunch of school kids could have done better!!

The worst banking experience of my life. Interest payment schedules wrong, can't get access to account, incorrect details on their computer so can't get through security. Still waiting for telephone banking papers.

In terms of giving me a european wide account,yes they are good but my experience with this bank is second rate After 2 years I still dont have internet banking, i have lost track of the times i have returned documents and had calls over this! i became a premier account holder, set up an appointment with a relationship mgr, they didnt call. I set up a large transfer between accounts, i was told i needed a security call back, so i waited, no call came, i worried, called them and told them it had not been necessary but they should have told me that. it is cheap and its useful for someone who moves between countries, but really the service is hit and miss, and not to the level i expect of an international bank .

impossible to get service via phone, don't send statements, use wrong address. I will be very glad when my investment matures next year and I can say goodbye

We met Lloyds TSB Offshore after a disastrous experience with another Financial Advisor. The only advice we took (enough said) was to spread deposits to another Bank to maximise compensation. From the outset, Lloyds wanted to get to know us as customers. After 30 years with a faceless UK bank, a local outfit who took a personal interest was so refreshing. Since then Lloyds have proactively encouraged us to make more productive use of our money. We have also moved our current account, and the experience has been comfortable and easy. Cards, PINS, and other documents have arrived as promised. When I've got things wrong, the call centre have been patient and friendly. OK, some of the things other reviewers have said are true. We have accounts on both IT platforms, and it is slightly annoying that these don't join up, but not a problem for us. But we were warned face to face beforehand about every glicth we found. The key is having local people who care about customers. Would 100% recommend to other Manxies.

I have a Lloyds UK bank account. I have come over to South Africa for a few years with my partner and whilst I was here my bank card expired.It was sent to my UK address and my daughter misplaced it by mistake before she could post it out to me. I have tried in vain to contact Lloyds with know avail to have a replacement sent. I have also tried to go onto my internet banking and it keeps saying error try again,I have tried again for 3 months and nothing. I want to travel back home to the UK as my partner has left me and my family want to put money into my account so that I can fly home.Can anyone please tell me what to do as I'm stressed out at being stuck in a strange country.

Unfortunately i have had 9 long bad years dealing with this bank. Not one good thing to say but i should have realised as my only way to bank with these people is still by FAX using a set of ''unique'' numbers. To sum them up - the left hand doesn't know what the right one is doing and these people are in charge of our finances ...lol.

After eighteen problem free years with Bank of Scotland Jersey I am now at the mercy of Lloyds TSB International. I have waited three months for a document to be sent to me to unlock my account. I should explain that I gave the correct characters however the computer said they were incorrect, thus I was locked out even giving the correct details. I have since learnt that Lloyds have had computer cliches which have caused errors in passwords. When you call it takes forever to get through, the customer service is shocking and to make matters worse my name was removed from our bank statement when it was posted recently, is that legal? Another computer cliche I am told. So here I am in Australia with no way to speak to anyone at the bank where I hold my account, they can't speak to me as I am locked out...I cant get 'in' until they send me a piece of paper and I return it and no, it cant be emailed. who said we are living in the 21st century? A word of advice don't bank with Lloyds TSB... Update: the form I've been waiting three months for, doesn't exist...they have just told me they might have it at the bank tomorrow...now thats service