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.