Guest's Review of Lloyds TSB Student Account
9th Jul 2008
Overall Rating
- Ease of Use
- Customer Service
- Overdraft Facility
Great customer service in both branches and in call centres, quick and easy to use internet banking. I have also found that Lloyds TSB is remarkably quick at clearing cheques and other requests compared to other high street banks, HSBC to note. Lloyds TSB has a great branch network and loads of cashpoints, so even if your not near your local branch there's always another branch nearby (even in small towns and villages).
Bad Points
None, but incentives to open account could be better. Railcard would have been nice like Natwest.
General Comments
Really efficient bank, the account is simple and easy to use, which is what you need when you start university. If you don't go over your credit limit then you have little to worry about in the case of charges. However charges do occur when you go overdrawn etc, but only within the guidelines set by the bank (which is what happens with most banks) - unaccounted for charges have NEVER occurred with me.
Great bank, loyal and plays safe with your money.
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Members' Comments onGuest's Review
Black Ghost 7
on 10th Jul 2008
| Lender | Account | Description | Interest | AER | Overdraft | ||
| Overdraft Rate | Overdraft Limit | ||||||
 | Premier Direct Account | Earn a great rate of 6% AER (fixed for one year) on balances up to £2,500. | Monthly | 6.00% | 0.00% | £2,000.00 |  |
| Premier Current | Enjoy Free annual multi-trip European travel insurance and earn 0.50% AER on balances up to £2,500. | Monthly | 0.50% | 0.00% | £2,000.00 | |
 | Natwest Advantage Gold Account | Enjoy 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. | Monthly | 0.25% | N/A | | |
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My wife got the railcard 2 years ago as part of the offer from Natwest. It actually turned out to be useless for 3 of the 4 days she was in Uni as the railcard is only valid after 10am. So I can assure you, you haven't missed out!