Lloyds Bank For 1 to 9 Employees

The below comments were given by respondents who gave the bank a medium overall score (see glossary for more details).

• "Pretty good. Most of the basics are done well but they don't understand my business." Southern England; Professional, Scientific and Technical Activities
• "Very good." Southern England; Construction
• "We don't have many dealings with them, so I don't really have much to say about the service." Southern England; Other Service Activities
• "Satisfactory. They do their job." Northern England; Manufacturing
• "I am quite satisfied with the service." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's very good. Had no problems over the numerous years we have been with them. We also use Internet banking and that has always been good." Northern England; Construction
• "It's adequate. It does the job. We have relatively few clients yet lots of invoices." Southern England; Information and Communication
• "Just incoming and outgoing money really. They provide a very good service." Southern England; Other Service Activities
• "Prior to Lloyds and TSB merging apart it was very good, but after separating it's not so rosy and there's a bit of confusion." Southern England; Construction
• "It's very good at the moment." Northern England; Construction
• "Quite good but continual change of personnel and centralisation does cause confusion and/or difficulties." Southern England; Real Estate Activities
• "Adequately." Northern England; Arts, Entertainment and Recreation
• "It is okay, but it is complicated and quite cumbersome." Southern England; Construction
• "Excellent contact with managers on the phone. Never dealing with answer phones. [As] soon as I speak to a manager it gets sorted." Northern England; Other Service Activities
• "It's adequate but it's a long process if you wanted to change banks." Scotland; Agriculture, Forestry and Fishing
• "It is pretty good really. Not amazing, better than RBS." Northern England; Manufacturing
• "Simple. It's really easy because we only use the bank for business current accounts." Southern England; Financial and Insurance Activities
• "It's just about okay. The banks have tightened up. They don't talk to me anymore." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's good." Wales; Construction
• "It's personal and helpful." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The service is okay. If I wanted more they would help." Southern England; Professional, Scientific and Technical Activities
• "It's reasonably satisfactory." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Average current account, nothing more." Southern England; Construction
• "It is okay." Southern England; Construction
• "They have done what we have required them to do." Southern England; Construction
• "It was okay until they introduced service charges. I am unhappy there is a charge on a current account which is always in credit." Southern England; Human Health and Social Work Activities
• "It's good and reasonable." Southern England; Professional, Scientific and Technical Activities
• "They are remote at the moment. It is all a distance. They are closing the branches." Southern England; Manufacturing
• "The service has actually been very good and overall all financial services have been very effective." Southern England; Information and Communication
• "Not very good. We don't get much support." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "The service is really poor, not very good." Southern England; Accommodation and Food Service Activities
• "The actual bank is fine. It's all the costs and deposits and charges they make out to me. There are so many charges." Northern England; Manufacturing
• "It's good, I have no issues." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "It is fit for purpose really." Southern England; Professional, Scientific and Technical Activities
• "Provide everything that I ask for and need most times." Southern England; Professional, Scientific and Technical Activities
• "They are very efficient and quick to respond and the actual business managers themselves are very helpful." Southern England; Transportation and storage
• "It's adequate. Not good, not bad. They just do what I want them to. That's it." Southern England; Other Service Activities
• "They are very good in my experience. We have been using them for years." Southern England; Administrative and Support Service Activities
• "I have no problem with them whatsoever." Northern England; Professional, Scientific and Technical Activities
• "Very efficient. Customer service is excellent. That's it." Southern England; Administrative and Support Service Activities
• "Reasonable." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Lloyds bank are very professional for small businesses and are willing to help." Southern England; Education
• "Very efficient and very helpful." Wales; Other Service Activities
• "Efficient and business like. Whenever I've needed help they have always been prompt and professional." Southern England; Arts, Entertainment and Recreation
• "[They are] not the most supportive for small businesses." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Pretty good. Everything I need, they supply. No problems." Wales; Construction
• "I have [not] had any problems with them to query them." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "It is quite good." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Patchy. Sometimes they are okay. My business manager is very good. He left a year ago. The new person is not very good. It was better before." Southern England; Other Service Activities
• "[A] sensible service." Southern England; Construction
• "[They are] useful." Southern England; Construction
• "My experience is very good. I'm happy with them. That's it." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I would say very good. Well, as far as the local Lloyds, the staff are helpful [and] happy, but they stop payments [from] the account, for security purposes, without telling us. It has been have ironed it out now. So, sometimes when I pay with [my] card for business reasons it wasn't allowed, but I think it is sorted now." Northern England; Arts, Entertainment and Recreation
• "Does the job. I'm just a small sweet shop. I put money and pay my bills from there, that's it." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very basic. [I] never heard from the business manager since day one, and it took them two years to change the business address." Southern England; Information and Communication
• "They are acceptable to our needs." Northern England; Transportation and storage
• "It's okay, it's cool." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They give me credit and debit cards, and a looked over overdraft." Wales; Transportation and storage
• "It is a friendly and personal service." Southern England; Construction
• "It's adequate for small business needs." Northern England; Information and Communication
• "It is good." Northern England; Arts, Entertainment and Recreation
• "It's okay, but [it] could be better." Southern England; Professional, Scientific and Technical Activities
• "They are just competent and efficient." Northern England; Financial and Insurance Activities
• "It's very good. Overall good service. If I need to speak with someone, they're available and can help." Northern England; Professional, Scientific and Technical Activities
• "[I'm] quite happy with them. We can contact our bank manager anytime." Southern England; Transportation and storage
• "It is helpful and efficient and provides us with practical assistance, when we need it." Southern England; Financial and Insurance Activities
• "I enjoy the fact [that] they leave us alone and are respectable towards my business. Only occasionally do they phone me to sell me something." Northern England; Construction
• "Efficient." Southern England; Arts, Entertainment and Recreation
• "It's okay. I have nothing more to add." Northern England; Manufacturing
• "Does everything we need it to do, at the moment." Southern England; Agriculture, Forestry and Fishing
• "They treat me adequately." Southern England; Agriculture, Forestry and Fishing
• "They are alright. No problems with them at the moment." Southern England; Construction
• "[The] service we receive is satisfactory for the requirements of my small business." Southern England; Construction
• "I am very satisfied with Lloyds." Southern England; Construction
• "They are quite helpful." Southern England; Construction
• "Locally, very good. Generally, not very good." Northern England; Agriculture, Forestry and Fishing
• "Not very satisfied, because they are not formally agreeing on any funding." Southern England; Human Health and Social Work Activities
• "They suit me well day to day." Southern England; Real Estate Activities
• "The individual bank manager that we have is completely wonderful, and essential for a small micro business. If he was not there, we would not be so interested [in] banking with them." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's a one-way street. They have my money, and they pay me nothing for it." Southern England; Administrative and Support Service Activities
• "Average, since there have been occasions where they left me without finance." Southern England; Financial and Insurance Activities
• "I don’t really have a service. I bank with them, but I don’t deal with them in any other way, other than [as] a place where I can put my money and take it out." Southern England; Construction
• "It's okay." Southern England; Professional, Scientific and Technical Activities
• "It was good for their service of foreign exchange contracts." Southern England; Professional, Scientific and Technical Activities
• "Good." Southern England; Professional, Scientific and Technical Activities
• "It is a suitable banking background." Southern England; Professional, Scientific and Technical Activities
• "It's a good service, however, it could be better." Northern England; Arts, Entertainment and Recreation
• "My business manager is pretty good. The person you deal with is who gives you the business, not the bank or the company." Southern England; Construction
• "It's alright. I use it to pay the suppliers, and receive the sales." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Satisfactory." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very good for small business." Southern England; Other Service Activities
• "Pretty good." Northern England; Professional, Scientific and Technical Activities
• "It does what I expect it to do" Northern England; Professional, Scientific and Technical Activities
• "Adequate." Northern England; Construction
• "The key for us is support, but the service of one individual there is very good." Northern England; Manufacturing
• "Their telephone banking is easy to use. People in [the] local branch are excellent." Northern England; Accommodation and Food Service Activities
• "I just use the bank to store money. I find the Internet banking useful, but would not recommend the bank over anyone else." Northern England; Accommodation and Food Service Activities
• "Pretty good, actually. Do everything that we need to do. Manager is helpful." Northern England; Manufacturing
• "I do not have a lot of experience dealing with them, so all I could say is it has been satisfactory." Southern England; Construction
• "High efficiency, on the ball, and reliable." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Lloyds unproblematic. Not really had any issues. No real dealings. No fuss. Takes so long in this day and age to clear cheque, it's bizarre." Southern England; Arts, Entertainment and Recreation
• "Don't know anyone in the bank. [Name] also has no understanding of the bank and she would not know who to contact if she had a problem." Southern England; Real Estate Activities
• "We don't really hear from them so I haven't really got any good or bad things to say about them." Southern England; Construction
• "To be honest, difficult to say. Everything online. Don't even know account manager. Most of it is carried out online. Don't deal with much in person. Better communication with regards business/account manager as it keeps changing." Southern England; Manufacturing
• "Fine. We don't use it for much." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They provide an adequate business service, but we find that it's helpful to have [a] business manager." Southern England; Construction
• "They are pretty good and have never done us any harm. We will stay with them." Southern England; Transportation and storage
• "Helpful when I do need them. Negative would be change in staff far too often. Allocate a member of staff, and then change them every 3 months. Otherwise, I'm happy." Northern England; Construction
• "Satisfactory at best. They used to be much more proactive, and much more helpful." Northern England; Financial and Insurance Activities
• "Extremely helpful. No problem with general banking and business banking." Northern England; Education
• "I can't really say, just use them as a bank." Southern England; Agriculture, Forestry and Fishing
• "Well, it's a bog standard banking facility. They're mucher than much enough. They've similar to services offered by other banks. It just so happens that it's the only bank in our town, so we use it." Southern England; Arts, Entertainment and Recreation
• "Local branch changed from Lloyds's to TSB and they won't accept my TSB cards in Lloyds. Certain services have been cut back too far." Northern England; Other Service Activities
• "They are pretty good with me. I always operate in the black." Southern England; Manufacturing
• "They are also very good again. Their charges aren't exactly reasonable, but they are competitive." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I don't really have a great deal to do with them. Okay on day-to-day and Internet banking is very good." Southern England; Arts, Entertainment and Recreation
• "Acceptable." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The everyday banking is fine. However, the interest rates they offered on their loans was criminal." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "No support at all. I approached them a month ago because we work, and I talked to them about an overdraft, and we were turned down. It's not just Lloyds. They are all the same, not interested in helping businesses." Wales; Construction
• "Friendly counter staff. Efficient, but they don't tell me about extra products. Are approachable." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I'm very satisfied. I would not change, because it's what we need. We don't need anything more." Northern England; Information and Communication
• "Up until now they have been very good and useful. Pretty happy." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Good in branch service, but excessive charges." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Generally very good, but the business manager changes frequently." Southern England; Construction
• "I'd say they are average." Southern England; Construction
• "I really only use Lloyds Bank for the credit card." Southern England; Transportation and storage
• "Not informed enough at times. We had an overdraft facility taken off our account and we did not receive notification about that. So I didn't think that was good at all." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I think they are okay. They are all pretty much the same." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I would recommend them to anyone starting as they were a great help to us." Northern England; Manufacturing
• "They are all the same. Does not matter if I move, they are all out to make money. They are there. Nothing to say about them apart from I use them to bank." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I would say the service is quite good all round." Southern England; Financial and Insurance Activities
• "We find [it] very helpful [for] what we need." Southern England; Agriculture, Forestry and Fishing
• "Just okay service. Service charges are very high." Northern England; Construction
• "I would say fair and satisfactory. I tend to just use the bank as a bank and consider myself a man in business rather than a businessman. I tend to fail in forward planning." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "We've banked with Lloyds for over 30 years so we don't have much contact with the bank, but I'm very satisfied with the branch and I like that I can go straight to the branch and have person to person contact. Their transaction fees are very high, as with all banks." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I do not deal with them other than to deposit funds." Wales; Administrative and Support Service Activities
• "Satisfactory, I suppose. We asked them about increasing the small business communications but it didn't happen." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are very present and courteous, which is good. However, their staff turnover is quite high, so it's hard to get to know them as there ae so many new people." Southern England; Information and Communication
• "I would say that you always get good personal contact when you go into the bank. If you order a cheque book or any paperwork it's always very efficient. They generally provide a good service." Southern England; Arts, Entertainment and Recreation
• "The bank is fair. Their interest rates charges are rubbish." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Minimal. No budget to top to. Takes ages to get answers. Phone always with a strange person, no body cares about you. They don't appreciate your money anymore." Northern England; Other Service Activities
• "It's changed. Until a few weeks ago, they had an account manager for small businesses, which was very useful. It was very helpful to small businesses. They changed it a couple of weeks ago. Any business under £1 million turnover doesn't have any person they can talk to at Lloyds. We'll wait and see what happens when I have a problem. It's not going to have a positive effect if I have a problem. When they had an account manager, they were very good. I had an issue with an overdraft, we talked to a manager. She was able to get it solved. Very straightforward. Without that person it may be a lot harder." Southern England; Information and Communication
• "They do nothing for me, and I want nothing from them." Southern England; Administrative and Support Service Activities
• "It is a friendly bank with good Internet banking." Wales; Construction
• "It is satisfactory, but not everything you want, and better awareness of international transfer [is needed]." Southern England; Transportation and storage
• "Impersonal." Southern England; Administrative and Support Service Activities
• "It does what it says on the tin. I just use it for banking." Southern England; Manufacturing
• "It's a local branch you can go into. The downside is a lot of things need to be done over the phone." Northern England; Construction
• "Fairly simple and straightforward. Easy to use." Northern England; Other Service Activities
• "Up until now very happy with the service I [have] received." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Quite helpful. They do okay. We had a dedicated business manager which we don't have anymore." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is adequate because we get what we want and that is it." Northern England; Other Service Activities
• "Very happy with the service. No problems." Southern England; Financial and Insurance Activities
• "Don't have much contact with them. They seem to be fine." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I think it's frustrating by doing [it] through [the] telephone. Never get hold of people." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Intermittent. Over the counter service, they're very good. General day-to-day running of the account is good. Internet banking is good. They're not so good at implementing new services and communication regarding those sorts of things." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are very supportive. If they can't give you a loan, for example, they'll find someone who can. They'll help you sort out getting finance." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The bank is approachable, and within the constraints of the banks current operations, they provide what I need. Its customer phone line is good, because it is not an off-shore call centre, but a small local team. They are prepared to advise and listen." Southern England; Information and Communication
• "I am satisfied bearing in mind the turmoil that the banking industry has had over the last few years." Southern England; Construction
• "Efficient. Good customer support. Practical payment options." Southern England; Human Health and Social Work Activities
• "Average, but do not have any experiences with any of the banks." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Adequate, but could do better." Northern England; Agriculture, Forestry and Fishing
• "They are there when you need them." Southern England; Construction
• "Great to get started. Adequate. Gives you what you need." Southern England; Human Health and Social Work Activities
• "They provide very good service for banking. They keep me up to date with changes. They do advise me of their products." Southern England; Professional, Scientific and Technical Activities
• "They are alright to deal with, but the bank charges are far too high. Their bank charges are far too high for small businesses." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They do not cause me any trouble. I do not cause them any trouble." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's just adequate, really. They're not very helpful at times." Northern England; Manufacturing
• "The managers are not very good at all. In the past, I have found them totally incompetent. The branch staff are great." Northern England; Real Estate Activities
• "They provide a good service. I can't say it's good or I can't say it's bad. I just pay my monthly insurance amount." Southern England; Arts, Entertainment and Recreation
• "Well, I don't bother unless I make a mistake. If I go overdrawn they send me a letter. They never contact me unless there is a problem." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Businesslike, but old-fashioned." Southern England; Professional, Scientific and Technical Activities
• "Unexciting. They've got some very pleasant staff in our local branch." Northern England; Education
• "I am thinking of changing, they are terrible. They have got rid of the business banking desk. They are charging for business banking. Also, there are not enough staff." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Satisfactory for our needs. Always provided whatever I need." Northern England; Information and Communication
• "They're a nightmare. Their statements are practically impossible to understand. I only use them because I have to." Northern England; Transportation and storage
• "Extremely slow to react to a question from myself." Southern England; Real Estate Activities
• "Good, friendly, efficient. They can add up well." Southern England; Manufacturing
• "Very satisfactory, generally. I am annoyed with withdrawal of my overdraft facility." Southern England; Financial and Insurance Activities
• "They are efficient and friendly, and cover our needs." Southern England; Professional, Scientific and Technical Activities
• "Satisfactory. Customer service is good. I don't like the charge for taking cash out and putting it in." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I just use it for the deposit for my business." Northern England; Construction
• "Very professional. Good paying-in books. Easy access to advisors 24 hours a day." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are very good." Southern England; Agriculture, Forestry and Fishing
• "They are adequate at what they do. They do their job and is so far fairly satisfied with their services." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Adequate. They provide all the basics that you need." Southern England; Manufacturing
• "Nine out of ten times very satisfied. I wish they had a business side not included in the general public so they had their own business counter." Southern England; Transportation and storage
• "I think they're helpful and ready to listen." Southern England; Accommodation and Food Service Activities
• "They are easy to deal with, except they have lost all contact because they are now based in Edinburgh." Southern England; Agriculture, Forestry and Fishing
• "I have never dealt directly with them." Southern England; Transportation and storage
• "Not very accommodating for small business. Not easy for financing smaller projects." Southern England; Construction
• "They don't even understand the business. The customer service is not good. Lack of solutions for the problem, and lack of answers." Southern England; Administrative and Support Service Activities
• "They are okay. Like a normal bank. That's it." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Passive." Southern England; Human Health and Social Work Activities
• "It is fine as I have had no problems." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very reliable. I have no problems with them. Very helpful." Southern England; Administrative and Support Service Activities
• "Were very good at the start, but they're not as good as they were. They offer you a good deal initially, but these deals all go in time." Northern England; Agriculture, Forestry and Fishing
• "They provide good service, but we don't use many facilities." Southern England; Construction
• "It's good actually." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[They are] just very flat. They don't help businesses at all. One thing is the bank charges, and their foreign exchange rates are not favourable." Southern England; Professional, Scientific and Technical Activities
• "They are banks and pretty much the same." Southern England; Construction
• "Satisfactory but not personal. This is because I can remember when bank managers knew you and the business but they don't anymore." Northern England; Manufacturing
• "Their business advisor is good. They are good at getting you set up and helpful." Northern England; Agriculture, Forestry and Fishing
• "Very good up until recently. They changed face-to-face contact to telephone." Northern England; Construction
• "Not having a dedicated business relationship manager is a bit disadvantage. We have to go through telephones now, we would want something more personal." Southern England; Professional, Scientific and Technical Activities
• "The service is good, no problems at all. They're efficient and friendly, and they're good. The only complaint I have got about them is that the bank don't put enough staff on at busy times, so they're always pushed. The charges are too high for putting cash in and taking cash out. Most of the other charges are reasonable, but what we get charged for, depositing and withdrawing cash, I object to." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very supportive in starting up my business. Was given an account manager that was very good." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very adequate." Northern England; Professional, Scientific and Technical Activities
• "Charges could be less. We use it very minimally." Southern England; Professional, Scientific and Technical Activities
• "Just the usual job. It's hard to say really. I think it's okay." Southern England; Arts, Entertainment and Recreation
• "We have very little relationship with the bank." Southern England; Professional, Scientific and Technical Activities
• "I think it gives you basic services. It's quite complicated for making payments online. Using a card reader it's just a pain. It was hard to get a credit card even though I have [had] my personal bank with Lloyds for [the] last 10 years. They had some problem in their systems where credit card bills were due first of the month but the statements were not arriving till the 20th of the month and there is still no online access." Southern England; Information and Communication
• "Just adequate." Southern England; Education
• "Normal standard bank. Very likely to change in [the] future. Not happy with the charges." Southern England; Transportation and storage
• "I'm just a small business, not bothered." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Act as [a] bank." Southern England; Administrative and Support Service Activities
• "Adequate." Northern England; Transportation and storage
• "If you're in trouble they will help you, and if you're not in trouble, they're okay." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It provides the service I require. They charge £20 for the current account and that's it." Northern England; Professional, Scientific and Technical Activities
• "I have very little to do with them. The only time I talk to them is when something doesn't work, and [they] are pretty good at responding to that." Northern England; Information and Communication
• "It looks after my money." Scotland; Construction
• "Impersonal. They don't give favour to small businesses. They are wanting everything secured." Southern England; Arts, Entertainment and Recreation
• "The accounts staff are helpful." Southern England; Education
• "Not helpful at all. Never in contact with me." Southern England; Administrative and Support Service Activities
• "My service with Lloyds has been adequate, and they have treated me well." Southern England; Other Service Activities
• "Reasonable." Southern England; Arts, Entertainment and Recreation
• "Well, they provided support when requested. Overdraft facilities when I need them. No, there isn't anything that I ask for specifically, and I would be pretty irritated if they kept contacting [me]. Perhaps a review meeting with our own account managers." Southern England; Manufacturing
• "If all is well. If we have [a] problem, difficult to [reach] a resolution. Swift complaints process." Wales; Human Health and Social Work Activities
• "Id say that they are very efficient and helpful, though the bank charges [are] quite steep. They where quite tight when I tried to get an overdraft but they gave me one in the end." Wales; Agriculture, Forestry and Fishing
• "My contact with the bank is limited, but I'm happy with the service that I get." Wales; Manufacturing
• "Pretty standard, pretty standard. Fair, really. They're certainly not the worst, but they could be the best. There's been some changes with my business liaison manager and since then there's been very little contact. They don't tend to do anything until there's a period of high activity. Generally speaking, I don't tend to hear from them. I'm thinking of possibly changing my bank, but that will depend on my performance over the next year and theirs." Northern England; Arts, Entertainment and Recreation
• "More than satisfactory and got no real issues with them." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's okay. They pay all my cheques. No debt, so no hassle." Northern England; Financial and Insurance Activities
• "I just think they provide a service, and when I contacted them with a problem, they sorted it out quickly." Northern England; Human Health and Social Work Activities
• "Its very kind of [at] arms length. I haven't any input. There is no day-to-day contact. Very mechanical." Northern England; Administrative and Support Service Activities
• "Adequate." Northern England; Other Service Activities
• "[They are] okay. The service is as normal as any other bank." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They provide adequate services for my business, but I wish there was more face to face contact." Northern England; Real Estate Activities
• "They are okay. They don't offer much more than a standard service. Well, we actually did have [a] personal bank manager with Lloyds and that was very good service, but they took it away and now you only get that service if you have deposits [of] £1 million or over, which is a bit of a kick in the teeth. They don't promote stuff and they don't sell you anything, and the bank are never forthcoming. They are never interested in promoting their products, what they actually give, and [are] very reluctant to finance if you are a small business." Southern England; Construction
• "Service is okay but the named account manager keeps changing which isn't so great." Southern England; Administrative and Support Service Activities
• "It's very good. My business with the bank is primarily through the business manager. My relationship with him is good. He talks to me. It all depends on who is managing my account. There's not really anything I don't like." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They satisfy our needs. We don't contact them a lot, but their customer service in the local branch is good, as well as their online banking service." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are helpful sometimes and sometimes they are not." Wales; Agriculture, Forestry and Fishing
• "It's good because I run a business where you do everything online, and we don't have a lot of contact with the bank." Wales; Accommodation and Food Service Activities
• "It is difficult to communicate with anybody directly." Wales; Agriculture, Forestry and Fishing
• "The card system is fine. [I have] no issues." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Overall [I'm] very pleased with it. [My] only bad comment would be [about] the withdrawal of a business manager." Southern England; Professional, Scientific and Technical Activities
• "They are good. [They] do everything pretty well." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They provide a good service. [I am] quite happy with them and the manager." Southern England; Arts, Entertainment and Recreation
• "They just do the insurance. They are okay." Southern England; Education
• "Non-existent." Southern England; Professional, Scientific and Technical Activities
• "Very average." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "They are adequate and they do their job." Southern England; Other Service Activities
• "They understand my business. It's a very complex structure, and they can understand it well." Southern England; Agriculture, Forestry and Fishing
• "They're average, like most other banks." Southern England; Other Service Activities
• "[It is] day-to-day standard stuff. They are fine. [For] anything outside of standard [they] have not been responsive." Southern England; Human Health and Social Work Activities
• "You have to deposit cheques from them. [I] don't really have any dealings with them, they [are] just a bank to deposit money or transfer, so [I] can't really say." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[They are] convenient and helpful. The only thing I don't like about Lloyds is that they don't [have] business managers anymore. [I] cannot use facilities with credit card." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Because I don't like having a business manager in [name of location] when we farm so far away. I do not have the personal contact. Years ago we had a manager that came to see us at home. Now I just think it's hopeless." Southern England; Agriculture, Forestry and Fishing
• "They listen to you when there is a problem with finance." Southern England; Agriculture, Forestry and Fishing
• "I don't receive anything from them at all." N Ireland; Manufacturing
• "Relationship managers have lost touch with clients. We found that, contrary to instructions, we had client accounts and they charged us a monthly fee which was supposed to be taken back. We had a rebate yesterday, they sent back £[x] but no narrative, no email, no explanations. We found a lot of relationship managers work from home now and have become lazy. The relationship is poor." Southern England; Human Health and Social Work Activities
• "They are standard. Few banks understand currency, which is what we deal with, and I can't say they do." Southern England; Information and Communication
• "Really good." Southern England; Financial and Insurance Activities
• "They could do more. I used to have a banking manager but they don't do that anymore." Southern England; Professional, Scientific and Technical Activities
• "Very minimal service and adequate to business requirements." Southern England; Financial and Insurance Activities
• "[It is] hard work speaking to people. [There is a] lack of communication." Southern England; Administrative and Support Service Activities
• "It's fine, it's not anything special, just like any other bank." Southern England; Other Service Activities
• "Up until they changed their business strategy it was very good." Southern England; Transportation and storage
• "It's just a banking facility. I don't use them much." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They don't do free banking." Northern England; Professional, Scientific and Technical Activities
• "Fine, but not local." Southern England; Human Health and Social Work Activities
• "It is easily accessible, and normally they are helpful when we go in." Southern England; Construction
• "It is satisfactory." Southern England; Professional, Scientific and Technical Activities
• "They are there when we need them for queries and [an] overdraft facility." Southern England; Professional, Scientific and Technical Activities
• "Very minimal. They like to be efficient taking money off you. They do not spend much time or money finding out about your business." Southern England; Agriculture, Forestry and Fishing
• "Satisfactory. They do what we need them to do." Northern England; Manufacturing
• "They were very supportive [and] efficient. They explained all the products available, gave me options on what was available for me [and] put it into place quickly once I had made up my mind. Approachable and interested." Northern England; Human Health and Social Work Activities
• "They send me one letter a year asking me to justify why I need an overdraft. I would ask them, and they will give help if I ask." Northern England; Agriculture, Forestry and Fishing
• "Satisfactory." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's difficult to get hold of a bank manager, and they are not proactive with things." Northern England; Financial and Insurance Activities
• "They are average, really. Obviously the bank charges are a bit of an issue. Apart from that they are standard, or what I would assume is standard, anyway." Southern England; Other Service Activities
• "No better or worse than any other." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Amicable. I have nothing negative to say. They do what they have to do." Southern England; Real Estate Activities
• "Average. Normal. What you would expect. Nothing amazing. Average banking." Southern England; Administrative and Support Service Activities
• "I have had no problems with them." Southern England; Professional, Scientific and Technical Activities
• "The internet banking is not very user friendly." Southern England; Accommodation and Food Service Activities
• "Adequate." Southern England; Transportation and storage
• "We're not entirely happy with them, but they do provide us with a an overdraft facility that they do renew year after year." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "As a successful small business I [was] disappointed to find I could not secure a loan over £10,000 without giving them equity. Otherwise their services are fine. When I have had problems, such as a fraudulent transaction, they [have] been very helpful." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Efficient and understanding." Southern England; Information and Communication
• "To be honest we don't have much to do with them. Whenever we need to call them they're very helpful. They have our card machine." Southern England; Manufacturing
• "Their service used to be much better than it is now. We rarely need to use it." Southern England; Human Health and Social Work Activities
• "I don't generally have that much contact with them at all." Southern England; Information and Communication
• "Adequate. They make the odd mistake, but nothing to affect the business account." Northern England; Transportation and storage
• "Impersonal. We have not got a physical bank manger. If we need any support it's a call centre up in the Midlands. It would be nice to get local support, but it is not available to us at our level. [It] serves a purpose. We don't have an actual account manager in our local branch, which I think people would want now." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Basic. Easy to use. Secure." Wales; Real Estate Activities
• "I myself have had no bad experience from the service the bank provides me." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "A good service. The business banking was quite good. The last 5 years have been very satisfactory." Southern England; Construction
• "They are reasonably efficient, [but] not the cheapest, and to that end I'm looking elsewhere." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "As a small business Lloyds provides very little personal management. I just feel that banking now is all ruled by a computer rather than a person as it was 30 years ago." Southern England; Agriculture, Forestry and Fishing
• "Helpful when required. If I needed anything when I first started they were quite helpful for their profits, and helpful with an overdraft if I needed one. Otherwise I don't really get to hear from them from one year to the next." Southern England; Construction
• "I mean it is a simple, easy service that meets all our needs for the size of business we are." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The actual branch, they are superb, but it is different when you try to get hold of the business team. It is harder to get hold of people in the business team and have a relationship with them when you can not get them on the phone. The staff in the branch are helpful and they will contact the business team for you. There has been improved communication between the business team and ourselves." Southern England; Accommodation and Food Service Activities
• "I think it pretty much the same as anywhere else. I think it is much of a muchness." Southern England; Other Service Activities
• "Very good, personal service from the local branch. Disappointing interest rates for depositing money." Southern England; Real Estate Activities
• "For the past 34 years I have been very happy. In the last 6 months I have had a situation where my chequebook was cloned and someone tried to withdraw money. The bank advised us to close the account and open another account, but the process has been long and drawn out." Southern England; Manufacturing
• "They are not up with the times and technology, and the communications are generally poor." Southern England; Professional, Scientific and Technical Activities
• "They are alright. They do what needs to be done." Southern England; Information and Communication
• "Not enough branches since the split with TSB. I have no local branch. I have to travel." Southern England; Arts, Entertainment and Recreation
• "They could do better. They could be more helpful to small businesses." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Overall, it is a very good service. It is easy to use the online system. Telephone banking is not the best, it is a nightmare to get through. They got rid of the business managers so we have to call and it takes a long time to get through." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I'm generally happy with the service I get." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Mediocre. They don't really do anything but charge me." Southern England; Professional, Scientific and Technical Activities
• "It's okay. I have very little to do with them apart from renewing my overdraft annually." Southern England; Construction
• "No real service anymore. No personal banking." Southern England; Human Health and Social Work Activities
• "We do not utilise all their products, but we are happy with what they provide." Southern England; Other Service Activities
• "Provides a banking service." Southern England; Construction
• "Very good. After previous experiences with other banks Lloyds have been the best." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Functional [and] adequate. It serves its purpose for me." Southern England; Real Estate Activities
• "They are good as a current account for paying UK suppliers." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are good, they are very good and they help." Southern England; Accommodation and Food Service Activities
• "Satisfactory." Southern England; Accommodation and Food Service Activities
• "Hands off. They don't get involved. It's just a normal account. No major involvement." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Quite happy." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's just a standard bank, and it does what it says." Southern England; Arts, Entertainment and Recreation
• "Very fair and easy to deal with." Southern England; Administrative and Support Service Activities
• "We couldn't get hold of a business manager, and when we finally got a number to speak to a manager they asked us how we got the number." Northern England; Other Service Activities
• "Reasonably satisfied." Southern England; Administrative and Support Service Activities
• "As a business we just need accounts to service payments and to make payments and that's what it provides." Southern England; Other Service Activities
• "Useful for what it is, as a bank." Southern England; Human Health and Social Work Activities
• "A bit quiet. I don't hear anything from them. I haven't a manager, or any form of contact." Southern England; Construction
• "They are very good, however being transferred from talking to a building manager to a phone manager is a bit difficult. Only hearing one point of view is a bit confusing." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I am pretty satisfied. Got a pretty good banking manager. They are always contactable." Southern England; Transportation and storage
• "Generally relatively efficient." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Overall quite well." Southern England; Other Service Activities
• "Very straightforward." Southern England; Information and Communication
• "More flexible than HSBC, but again limited in their vision. Again it's transactional services. Small overdraft. Have not spoken to a manager of Lloyds in three years, [at] which I am relieved." Southern England; Construction
• "It is pretty good. It serves our purposes. We do not use extensive services. We only use the current account." Southern England; Professional, Scientific and Technical Activities
• "Because we deal with an agricultural account manager, we get personal contact and don't have to go through a general call centre, which makes it fantastic." Southern England; Agriculture, Forestry and Fishing
• "The business was almost put out of business by NatWest, then I eventually refinanced with Lloyds and everything's really good with them." Southern England; Real Estate Activities
• "Standard." Southern England; Construction
• "Good." Southern England; Transportation and storage
• "They provide the service we want, which is an overdraft. They meet the requirements for a small business." Southern England; Professional, Scientific and Technical Activities
• "They are efficient and reliable, they provide a lot of support and they have quick response rates." Southern England; Other Service Activities
• "Reasonably fair. They need a business manager that you can contact." Southern England; Accommodation and Food Service Activities
• "They are alright." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Generally helpful." Southern England; Manufacturing
• "Not as good now we have a centralized support team instead of a named manager. Otherwise okay." Southern England; Other Service Activities
• "Caters to our needs." Southern England; Real Estate Activities
• "They're very good. I get a good personal service." Southern England; Manufacturing
• "Not very helpful at the moment. We have lost our business relationship manager, and we are dealing with a call centre. No one knows what they are doing. We had to wait 2 months for another charge card. They could give us back a business relationship manager. If we did better one to one, as we are a small business, they know how we operate and who we are and understand our business." Southern England; Manufacturing
• "The service is very good at the desk and in the branch." Northern England; Other Service Activities
• "Unfairly satisfied with the service." Northern England; Real Estate Activities
• "It used to be good, but now it has gone online or on the phone I do not like it that way." Northern England; Information and Communication
• "I've found them satisfactory over the years." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They drive me mad. Automated telephone is really bad." Northern England; Manufacturing
• "Their internet banking service is not as easy to use. It can be long and drawn out, but the bank is flexible, and overall I've had a brilliant service from them." Northern England; Professional, Scientific and Technical Activities
• "We've been with them for a long time [and] we haven't had any problems. Once or twice we had to go to the bank to see the manager if there's anything they can help with, so we are happy with them." Northern England; Human Health and Social Work Activities
• "Tend to be very weary. They will help you as long as it is helping them...in other words, they will give you an overdraft and let you go over your overdraft. They are getting you into trouble, I would not recommend them to anybody, really. They freely let you go into overdraft, and when you get into difficulty they are not willing to help you, they are willing to get over it as long as you can pay it, but when you get into a financial difficulty they are not willing to help. They do a thing called commercial finance and I would not recommend that to any business." Southern England; Construction
• "It is fine. They give us what we need." Southern England; Other Service Activities
• "Average." Northern England; Construction
• "They do respond fairly swiftly if we have any issues." Northern England; Manufacturing
• "It is fine." Northern England; Construction
• "All they do is manage the account and charge interest on all the funds within." Southern England; Other Service Activities
• "The service is very good because I have a local bank, which isn't fair. I have a personal relationship, so I can go in directly and if not I just use the phone." Wales; Arts, Entertainment and Recreation
• "Always been happy with the services, so very happy with them." Northern England; Professional, Scientific and Technical Activities
• "Just what you would expect." Northern England; Other Service Activities
• "I don't really use the bank for anything, I just use it to put money in. Don't really use the services for anything, they do okay." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Fair but very unbusinesslike. Too much bureaucracy. Staff have no business sense at all." Southern England; Agriculture, Forestry and Fishing
• "Find them very helpful." Southern England; Human Health and Social Work Activities
• "We don't have that much contact with them any more. They just leave us to our own devices, but they are there if we need them." Southern England; Other Service Activities
• "Very good." Scotland; Other Service Activities
• "Just adequate service offered." Scotland; Human Health and Social Work Activities
• "Basically good. They come out and service my terminal on a regular basis." Scotland; Other Service Activities
• "It's fine, it's pretty standard. We don't have that much business with them. I can't complain but it's not as good as Barclays." Southern England; Other Service Activities
• "They're satisfactory to my needs. Each business is different." Southern England; Other Service Activities
• "They're always flexible and friendly but I do think that it would helpful if we had someone who can advice us about charges and how we can save money." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Quite poor. They don't help you out. You ask them to tell you the charges and they don't help and they don't explain what charges are. Like annual fee, what is annual fee?" Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Mostly efficient. If your team or collateral manager isn't there, anyone can seem to answer your query. The client manager is also very good." Southern England; Other Service Activities
• "Reasonable." Southern England; Professional, Scientific and Technical Activities

The below comments were given by respondents who gave the bank a low overall score (see glossary for more details).

• "It's not like the old days when you used to have a local bank manager." Southern England; Financial and Insurance Activities
• "No business support. [As] a matter of fact, no support whatsoever. Would not recommend them to anybody." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is rubbish, that is the only word to describe them." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are sanitised, not personal and confusing." Southern England; Construction
• "Far too expensive for small businesses. They actually charge me when I put cash into the account. Over the past few months when the weather was bad I asked them for an overdraft for £500 and they wanted to charge me an extra £100 p/m on top of the £100 they already charge me for the overdraft." Wales; Accommodation and Food Service Activities
• "It's just awful." Northern England; Professional, Scientific and Technical Activities
• "They provided no financial support in a very difficult market, withdrew an overdraft facility after sixteen years without giving an explanation why." Southern England; Construction
• "Poor." Southern England; Manufacturing
• "Set up business account with Lloyds, went there three months later and it didn’t exist." Southern England; Transportation and storage
• "They are not helpful." Southern England; Arts, Entertainment and Recreation
• "Poor." Southern England; Construction
• "Not pro-active in any way." Southern England; Information and Communication
• "Hard to get hold of." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I don't ever need them. There have been times I have tried to contact them, and they have been a nightmare." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Horrendous. No customer service at all, no management, no help." Northern England; Construction
• "I don't get any service." Southern England; Manufacturing
• "[They're] awful. They take what they want." Southern England; Construction
• "They are pretty poor, I think, for small businesses." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Inadequate, overpriced and unsupported." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Appalling." Southern England; Other Service Activities
• "Adequate. I've been trying to open another small business account for a group of trustees and their procedure means I can't phone them, I can't make an appointment, I have to wait for them to phone me. [I've] been waiting for two months." Southern England; Professional, Scientific and Technical Activities
• "[They're] not very helpful. [They're] very mercenary." Northern England; Manufacturing
• "Rubbish." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Robbers." Northern England; Agriculture, Forestry and Fishing
• "Too restrictive as they do not allow businesses to grow or develop as the risk profile is too onerous." Southern England; Information and Communication
• "I think Lloyds are adequate." Scotland; Professional, Scientific and Technical Activities
• "Satisfactory." Scotland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Inept overall as a bank, but locally, at branch level, they are absolutely fantastic." Southern England; Administrative and Support Service Activities
• "Is just adequate. They are not particularly helpful, really. Facilities, overdraft facilities that keeping you going day to day. They are not really interested, they are not offering any additional services. They need to change or update the Lloyds link so it's easier to use. They should contact me more often to find out what I want, otherwise they need to be helpful in offering facilities. For example, overdraft facilities they need to increase." Northern England; Administrative and Support Service Activities
• "Service is virtually non-existent. That's it. No real support, no advice." Northern England; Administrative and Support Service Activities
• "Diabolical service. It's too far away. They do not keep us informed. If and when we need help, we need to trace the service ourselves. [If] we need help, we have to contact them in Birmingham. They offer no local support." Southern England; Transportation and storage
• "They are not massively helpful. I had an account with them for a few years, and still can't get a debit card. I think the charges are quite high as well." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I wouldn't recommend at all. When I purchased [the] building I am in now, I approached Lloyds for a commercial mortgage. When they gave me [a] quotation and my wife and I signed, they kept sending letters raising the amount of interest week by week. I asked for [an] overdraft and nobody got back after 6 or 7 calls. I've never had an overdraft and could have done with the money to advertise to get clients. It's not good business." Wales; Financial and Insurance Activities
• "Pretty poor. They recently rang. Don't have a business manager. Didn't know who business was. Wouldn't give overdraft. Tried [to] change address, given residential forms instead of business." Southern England; Arts, Entertainment and Recreation
• "They are appalling. I have no bank manager, and can only talk to a call centre." Southern England; Financial and Insurance Activities
• "They just recently became difficult. Overall, over the years, great, but recently lost confidence because they got rid of account manager. Basically, changed terms after 25 years. Feels [it] might be because [of] turnover targets. Has to now deal with a team rather than individual, which slows the process." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Totally no service at all. Basically, it's communication with the bank. We do not have an assigned business manager. The only way to contact them is through a central telephone line which is only open 9-5, and every time we phone it, it is someone different we speak to." Southern England; Professional, Scientific and Technical Activities
• "Crap. Staff useless. Difficult to deal with both in store and over the phone." Southern England; Information and Communication
• "The bank is making a move to centralise. They attempted this a decade ago and they were swamped by complaints. I have no idea why they are trying this again. I prefer to be able to talk to someone I know and develop a relationship with them, as opposed to talking to some stranger each and every time I call them up. Trust is important, especially when it comes to money and finance. I'm thinking of leaving now." Southern England; Transportation and storage
• "They don't talk to people enough or keep them informed. They don't ask how the business is doing or anything like that. Even if they would just send a text to ask things." Northern England; Construction
• "Start off by [saying] they do not bother. Extremely difficult. Staff do not know A from B. Sending payments difficult. Very unhappy. Change immediately. Contact is difficult." Southern England; Arts, Entertainment and Recreation
• "Crap. Their time for processing money is painful and crushing his business. Is not able to speak to someone on the phone from the UK because his turnover is beneath £500,000. Struggles to understand the foreign operators on the phone and is uncomfortable sharing banking information over the phone because the security questions do not match." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Virtually non-existent." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Their recent changes to overdraft has meant they have been treated badly. Small businesses no longer have a regional manager. There is nobody to speak to. The actual advisors are not fully trained." Southern England; Financial and Insurance Activities
• "They're just there to provide the service. They don't care to be bothered to help the customer. They don't offer a business counter and don't feel secure accepting large amounts of cash, especially a half hour before closing. They do not offer any other options once their bank is closed." Northern England; Other Service Activities
• "The business advisor service seems to be in crisis. They keep rebranding advisors but they are never available no matter what you call them. The staff seem to have a short shelf life, and they provide strange service. They are always unhappy and you never get to have a professional relationship before they move on. They also act in the weirdest way, they seemed to be urging us at one point to make us sell the business. This caused a lot of concerns at home because our home is our workplace. They nearly caused my daughter to have a breakdown. I think this was a very improper and unprofessional way to conduct business. They also do not allow us to have more than one account and will not give us an overdraft. We have a variable cash flow and having to take a massive charge because a cheque was three days late hurts our business. We could also expand the business a large amount if we had more access to capital which they seemed happy to deny us." Southern England; Arts, Entertainment and Recreation
• "Impersonal. Not very interested in the bank. Quite difficult to deal with." Southern England; Professional, Scientific and Technical Activities
• "It is nothing like it used to be. The service we get now is nothing." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "There is next to no support. No personal service. All you have is an 0845 number to get to a customer care team, and it takes an hour and a half to wait for somebody to answer." Southern England; Real Estate Activities
• "Absolute rubbish. Difficult to speak to. Don't listen to customers. The only reason I am with them is because it is difficult to change." Northern England; Construction
• "We don't get the service. We [are] supposed to have [a] bank manager and all other types of stuff, and don't get it." Southern England; Professional, Scientific and Technical Activities
• "They are absolutely terrible and I would not touch them with a barge pole. They just mess me about. I ring them up and they try to sell me things all the time. For example, critical illness insurance, and they won't send direct debits out if there is no clear funds, but they can have loads of money in the system yet they take their own charges out." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Gone completely downhill. No relationship manager to talk to." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are mainly rushed off their feet. They don't really want the business anyway. They are somewhat less than entirely satisfactory." Southern England; Professional, Scientific and Technical Activities
• "It's fine." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Appalling. Whenever I have a problem with anything, it takes half an hour to get through to someone. Not very helpful, and rude." Northern England; Administrative and Support Service Activities
• "Minimal." Northern England; Administrative and Support Service Activities
• "Promised a lot and delivered nothing. That's all I want to say." Northern England; Information and Communication
• "I'm not very happy with them. They told me lies and sold me products that I did not need." Southern England; Accommodation and Food Service Activities
• "If i could go to a different bank I would. If I ring up I speak to a person in a foreign country who does not understand English properly." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Initially they were fine, but actual manager in the branch is not very helpful, and rude." Northern England; Accommodation and Food Service Activities
• "Not happy with the service. Missold me things. Not very supportive." Wales; Professional, Scientific and Technical Activities
• "Used to be very good, now it's got worse and it's quite poor. The biggest problem is that I don't have a bank manager. I used to have a personal relationship manager, but they've changed that due to cutbacks and got rid of them." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Mediocre. We have just lost our business manager as we only have [a] small business. I am upset about this." Southern England; Agriculture, Forestry and Fishing
• "[They are] expensive [and] unresponsive." Southern England; Real Estate Activities
• "They have no understanding of the dynamics [or] the structure of running [a] small business." Northern England; Transportation and storage
• "Non-existent. You can never talk to anybody. It's terrible contact." Southern England; Other Service Activities
• "You never hear anything of them. Their philosophy is if you want something you ring us, because we won't come to you. When you do call you're always on hold and it's answered in a remote centre in Milton Keynes. There [are] no business managers in branch. They just come in for one day a week which is rubbish." Southern England; Construction
• "Complicated, inadequate and passive. Extremely difficulty in getting to speak to people associated with the business account." Southern England; Arts, Entertainment and Recreation
• "Business manager is supportive and good, but has no real power. Fed up with the online banking which doesn't always function. No personal service, crap service. Was on red list for a while, now off. No understanding of individual business." Southern England; Professional, Scientific and Technical Activities
• "Lloyds are clueless. They do not understand business banking. They are a mortgage company trying to be a bank." Southern England; Other Service Activities
• "They only ever want to deal with me over the phone, there's no personal service, no personal advisor, no account manager. When I go in branch to ask questions they only ever give me some number to call. They handled my second loan over the phone and messed up everything. [It] is obvious that their cutbacks are costing them service quality." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Shocking. Never met the business manager and the service is terrible." Southern England; Construction
• "They are very unhelpful. Their interests rates are kind of low, but with the economy they should reduce them. They are disgraceful if you want to borrow money from them. They are just greedy." Southern England; Professional, Scientific and Technical Activities
• "All the staff are very nice. Purely about the business charges. If you pay in cheques an [are] renewing [an] overdraft, you shouldn't be charged." Southern England; Construction
• "They are too small. They are behind the times compared to other banks, particularly accounts, particularly to dollar accounts. I can't use account online. The charge back and complaint system has diabolical information and communication ability." Northern England; Human Health and Social Work Activities
• "They are very poor. We don't have a manager now, it's just a telephone service in Scotland somewhere. We have no touch, they are very poor." Northern England; Accommodation and Food Service Activities
• "Service is hard." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They exploit their position and there is no real choice." Northern England; Professional, Scientific and Technical Activities
• "Appalling." Southern England; Construction
• "I just don't like the way banks deal with small business. They ignore us and see no potential." Southern England; Other Service Activities
• "Not very good. Not good with advice." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Average. I found them not very helpful." Northern England; Professional, Scientific and Technical Activities
• "Before they went to Internet banking I was very happy with it. After they changed to phone banking I wasn't happy with it. I would like them to go back to their old ways." Southern England; Construction
• "[They are] very unhelpful. If you use their online banking system it is inefficient." Southern England; Manufacturing
• "They don't like small businesses because they think we don't make enough profit." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[The] website isn't easy to use. [They are] inconsistent. If you phone them for information, they don't have the answers." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Poor. No support when needed." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very poor. They are there for the journey but leave you at the doorstep." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "During the recession, poor." Southern England; Administrative and Support Service Activities
• "They are only used as a back-up account, so we don't use the services a lot. They have tried to close our accounts without contacting us because they have not been used for sometime." Wales; Real Estate Activities
• "Other than what I pay for, I do not get any services at all. They do not phone or ask if you need any help at all. The service is really not how a business account used to be. Usually your business manager will...ring you occasionally. Trying to get the loan was so stressful and cost me about [omitted] of which I could not afford. The service is just not good at all." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The banking charges for businesses are a joke. They have no facilities in branch. You have to speak to a clown on the end of a phone. You receive nothing in return from the bank." Northern England; Construction
• "I don't...do services, really. [That's] what the bank's for!" Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are not very helpful. They wouldn't help us when we were setting up the business, but [did] when we were established, i.e. "Your turnover's not enough so we can't help you, now it is so we can." They offer us services but we don't need them now." Southern England; Financial and Insurance Activities
• "I don't consider Lloyds gives a service. If there were a better bank around I would use them." Southern England; Other Service Activities
• "Not very good, and not generally interested in small businesses. They...don't want to be bothered with you unless you are a big turnover business. I don't know what they are like now, but before they were really interested in selling you things." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Appalling. My account was transferred from my local branch without my approval. I have no bank manager, and have to ring a call centre in order for them to pass on a message to another call centre. They call me back at their convenience, and they refuse t" Southern England; Professional, Scientific and Technical Activities
• "The bank [is] inflexible to...small business needs. [It is] hard to get hold of [the] correct person who deals with [the] account." Southern England; Construction
• "Poor and slow to respond. We have had one ongoing problem, and it has never been solved properly. They didn't sort it out." Southern England; Financial and Insurance Activities
• "They are impersonal. Their bank charges are far too high. They have no business manager either." Northern England; Financial and Insurance Activities
• "Up their own bum." Southern England; Arts, Entertainment and Recreation
• "Appalling. Lack of communication on their part, and the policies are too rigid and not suited to medium or small businesses. This is commercial finance factoring, which we have to have with them." Southern England; Construction
• "Dreadful, in fact, we are in the process of moving to Santander after 30 years with Lloyds. Local branch has ceased handling business accounts. Local [name of town] branch is in an important outer [location] business area and it is shopping, too, and the only Lloyds branch not handling business accounts. We have to deal with an 0800 number if we need any business support. Santander has a local business manager who is helpful and friendly, and though the set up of our new account is very slow, at least we feel valued and are dealing with a human being." Southern England; Arts, Entertainment and Recreation
• "They are far too big. Not a clue what they're doing. Their securities department is totally at fault. Their Business Liaison people [are] useless. Their backs are against the wall because of their securities department. My husband died [time] ago, and transferring the overdraft to me is a nightmare." Southern England; Agriculture, Forestry and Fishing
• "I don't receive any service. I don't have a business bank manager anymore, they took him away. I now have a call centre to speak to. Apparently we are too small to have a manager." Southern England; Construction
• "I get a very poor service. My bank manager is a few hundred miles away. There is no grey area, it is all black and white. There is no discussion or compromise. I feel trapped in the bank. I had an overdraft of [omitted], and took it to the limit and did not clear it fast enough, and they gave me 3 weeks to clear on [date]. I was charged 11.7% interest on the loan I took out to help pay it back." Southern England; Construction
• "I don't think they're interested in small businesses." Northern England; Agriculture, Forestry and Fishing
• "It is just [profanity]. They just don't help me at all, no interest in me." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Neglectful, and not bothered about small businesses. I have not heard from them at all." Northern England; Arts, Entertainment and Recreation
• "Happy to take your money off you, but less happy to deal with you over fraudulent transactions." Scotland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Poor. I don't see them. I'm not in debt to them, so I'm not a good account." Wales; Human Health and Social Work Activities
• "Their interest in our company tends to increases as our bank balance increases." Southern England; Real Estate Activities
• "Completely unhelpful. When we changed from being a sole trader to a limited company it took 2 months for them to change the bank account over, which made us leave and open the other account." Southern England; Construction
• "They used to be very good but now they've taken all the business managers away and they're not interested lending you any money for anything. The only thing that I would say is good is the invoice financing, as that's a completely different department." Southern England; Construction
• "Just normal, really, nothing specific. I don't know what they offer. They never get in touch. It does not get in touch enough to small companies to let them know what they can offer." Southern England; Other Service Activities
• "Not very helpful at the moment." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is not a very good service at all. They charge for everything we use with them. They charge to put money in, to take money out, to use the card machine. I don't think they help us at all." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Loyalty does not count at all any more. Before you had a more personal bank manager, someone you saw and spoke directly to. Nowadays this is not consistent and you deal with different people all the time. The personal touch has been removed from the smaller businesses. Now we just have to call a generic number. After 40 years with the same bank, you would expect more loyalty." Southern England; Accommodation and Food Service Activities
• "Very disappointed. Everything could be improved. Customer relationship... [has] no continuity" Southern England; Transportation and storage
• "Don't receive any service from them other than just the transaction service i.e. the counter" Southern England; Human Health and Social Work Activities
• "It was great when local people were handling my account, until they moved everything to their [name of town] base. No one had a clue. What do they know about [location]?" Scotland; Financial and Insurance Activities
• "It is the most awful company ever." Scotland; Real Estate Activities
• "Pathetic. We used to have a business manager, which we no longer have since we don't earn over a million a year. They are a waste of space." Wales; Construction
• "Absolutely diabolical. No communication whatsoever. Until recently good, but change of business manager." Wales; Agriculture, Forestry and Fishing
• "Adequate." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The staff are good, but service is bad. They don't give financial support to wholesale businesses." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Used to be quite a personal service, but now it's not personal at all. I never hear from them at all now." Southern England; Professional, Scientific and Technical Activities
• "We don't get a service. They don't make our lives easier at all." Southern England; Accommodation and Food Service Activities