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

Thumb down 29% of users recommend this product

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

12th Apr 2006

Overall Rating

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

It offers all I need.
Good personal service in the local branch
Access to other services and products, seemingly at a discount
Online services are good, secure and encrypted


Bad Points

Could be cheaper, especially with a large average balance
Possibly suspect overseas telephone call-centre


General Comments

I have suffered several attempts to steal my identity and attacks on my Lloyds Bank Platinum account (and credit cards), one of which seemed to be linked to the overseas call centre. None of the attempts were successful; I lost no money, but it has been stressful, time consuming and now restricts my choices in the financial market. The bank have been really helpful; closed the existing accounts and opened new ones without question or cost. I am now on first name terms with Account Integrity and the Fraud Investigators.

By agreement with the bank, I now conduct any business with a named adviser in the branch - like it used to be when I opened my account with Lloyds over 30 years ago.

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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%18.49%n/a