Lloyds Bank Platinum / Gold Current Accounts Review

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2.2 stars
Average rating for this product is: 2.2 out of 5

From 3 ratings and 14 reviews

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Yi13's Review of Lloyds Bank Platinum / Gold Current Accounts

29th Apr 2004

Overall Rating

4.5 stars
  • Customer Service
    5 stars
  • Ease of use
    4.5 stars
Good Points

Ability to use the vast majority of cash machines free of charge, helpful staff, immediate access to account manager whenever required, help and assistance with financial products.


Bad Points

Until a couple of years ago the Lloyds charged £10 for every £10 that you went over your overdraft limit: this crippled me as a student. They have a far more sensible "flat fee" arrangement now.


General Comments

I don't generally write reviews, but having read the slating Lloyds have received, I felt that I should give them a bolstering! I have received exemplary service from Lloyds since I was sixteen, when I first opened an account. They have been helpful, and provided me with interest free overdrafts and good value loans when required, as well as sound advice.

Access to the branch manager can be arranged by a simple telephone call and she is always personable.

Judging from my friends' experiences with other banks, Lloyds is the most fair and reasonable bank for students by far.

I am currently looking for a consolidatory loan, and I hope on the next meeting with my manager she will be able to match the best loan rates on the market as I am loathed to go anywhere else.

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LenderAccountDescriptionInterestAEROverdraft  
Overdraft RateOverdraft Limit
Alliance & LeicesterPremier Direct AccountEarn a great rate of 6% AER (fixed for one year) on balances up to £2,500.Monthly6.00%0.00%£2,000.00
Alliance & LeicesterPremier CurrentEnjoy Free annual multi-trip European travel insurance and earn 0.50% AER on balances up to £2,500.Monthly0.50%0.00%£2,000.00
NatwestNatwest Advantage Gold AccountEnjoy benefits worth up to £704 for just £12.95 a month. Including Mobile phone cover, Travel Insurance and even tailored rates on other Natwest products.Monthly0.25%N/A