Lloyds Bank For 10 to 49 Employees

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

• "Very good service." Northern England; Arts, Entertainment and Recreation
• "The relationship manager is always available to talk on the telephone. He always calls me back." Southern England; Administrative and Support Service Activities
• "[It's] a good and consistent service." Southern England; Construction
• "Not very good." Southern England; Transportation and storage
• "Very good. We have a very good relationship with the manager. Anything we need. That's it." Southern England; Human Health and Social Work Activities
• "Very helpful and very approachable." Northern England; Human Health and Social Work Activities
• "[It's] satisfactory." Southern England; Human Health and Social Work Activities
• "Very helpful. They have a good banking service besides the online banking which could use a bit of an upgrade. That's the only reason I gave an eight. I don't really use it that much." Southern England; Arts, Entertainment and Recreation
• "Again, it is just adequate." Southern England; Administrative and Support Service Activities
• "Very professional service." Southern England; Agriculture, Forestry and Fishing
• "Too formulaic. They don’t really tailor themselves to individual businesses." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Generally, [they're] very helpful. They deal with everything straight away." Southern England; Manufacturing
• "Adequate." Southern England; Human Health and Social Work Activities
• "[I've] never had any problems with them. [They've] always been very good. So overall, good." Northern England; Human Health and Social Work Activities
• "[It's a] good, basic service." Northern England; Construction
• "They are not as good as they were. They have gone downhill over the years." Southern England; Accommodation and Food Service Activities
• "[It's] not that good. It takes ages to get a decision and their personal services are not as good as RBS." Southern England; Professional, Scientific and Technical Activities
• "No better and no worse than from any other bank I have experienced." Southern England; Construction
• "Really good. They still have local managers, so we can speak to somebody." Southern England; Financial and Insurance Activities
• "I haven't heard about any problems." Southern England; Other Service Activities
• "It is appropriate." Northern England; Construction
• "It is reasonable." Southern England; Accommodation and Food Service Activities
• "I suppose we don't really have a lot of dealing with the bank. It's all done online or I ring them." Southern England; Manufacturing
• "Adequate. [It] could be better." Southern England; Information and Communication
• "Yes, very pleased. Lots of information given back." Southern England; Construction
• "Good." Southern England; Education
• "Fairly efficient, as they allow us to take out coins." Southern England; Transportation and storage
• "They are very responsive, and the Relationship Manager is quick at getting back to you." Northern England; Education
• "Well, I would say they were helpful and if I have any problems, I go down to my local branch and they phone up on my behalf." Southern England; Construction
• "It started extremely bad, but now it's okay." Southern England; Human Health and Social Work Activities
• "It's fine in terms of efficiency." Southern England; Information and Communication
• "They are adequate. They do the job for us. We are not dissatisfied with them." Northern England; Transportation and storage
• "They have [a] good understanding of our sector. Commercial banking staff very helpful. They are safe, so bank like them." Southern England; Human Health and Social Work Activities
• "Good. They provide what we need." Southern England; Financial and Insurance Activities
• "Generally they know our business. We've been with them 32 years and they do listen. Probably they can cut the charges." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Convenient." Northern England; Human Health and Social Work Activities
• "Reasonably happy, with efficient Internet banking. Could be a bit more flexible on products." Southern England; Real Estate Activities
• "Very pleased with how they've helped. Helped with purchasing new business, loans, and accounting." Northern England; Accommodation and Food Service Activities
• "On the whole they are satisfactory. A recent experience made me less satisfied. I tried to take out a loan and they wanted excessive security." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Only use the bank out of convenience. Nothing is exceptional but nothing is horrible that is worth leaving over." Southern England; Construction
• "I'd say basic communication is low, but it does what it says on the tin." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They have poor communication but they are cheap." Southern England; Manufacturing
• "They are good and very professional." Southern England; Education
• "Easy to deal with. I really like the dedicated account managers." Southern England; Professional, Scientific and Technical Activities
• "They are good. We don't use them much because we don't have any overdraft or any borrowing." Northern England; Manufacturing
• "Helpful. The various people who give us services are helpful." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Meets the needs of the business adequately." Scotland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I would say they are pretty bare bones. We use it for sending and receiving money, and the overdraft." Southern England; Information and Communication
• "It's relatively efficient for what we use them for, because nothing goes wrong." Southern England; Construction
• "Its card service is what we use. It works very well, and the money is in the account in 24 hours." Southern England; Manufacturing
• "We pay our wages through the telepay which is very good, and everything else is just the day-to-day services." Northern England; Construction
• "Expensive but reliable. When you go to the bank the customer service is excellent but what they don't do so well which is the same as every bank with a business is they charge a lot." Northern England; Other Service Activities
• "It is adequate and I am satisfied with the service." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are helpful." Southern England; Financial and Insurance Activities
• "Good." Southern England; Human Health and Social Work Activities
• "I'd say fairly good. Easy to contact. All problems are sorted as soon as I bring them to the attention of the bank." Southern England; Transportation and storage
• "They are friendly and everyone knows me." Southern England; Administrative and Support Service Activities
• "All I can say on my behalf is that they give good service." Northern England; Professional, Scientific and Technical Activities
• "It's been satisfactory, ordinary, nothing special. [I am] on the lookout for a better deal if [there can be a] smooth transition." Northern England; Financial and Insurance Activities
• "I am busy and they are convenient. If I need insurance or credit cards, they are user friendly. They are my personal bank." Southern England; Professional, Scientific and Technical Activities
• "It is adequate service, but not exceptional. I have two problems. There is no real relationship manager. I have needed credit in the past but had no success, in contract to my personal banking which is different, and I have been successful with them." Wales; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "They are relevant to the business we have." Northern England; Human Health and Social Work Activities
• "It's good. Easy management. There has been nothing bad so far." Northern England; Manufacturing
• "They are okay for what they provide us." Scotland; Professional, Scientific and Technical Activities
• "[I] get good service. Have to be honest a lot is being put through to call centres which means you don't get the personal touch like in the branch. We receive a personal service with the invoice finance. I would prefer to go back to the account manager for the needs of the business. The low scores reflect the call centre and not the personal manager." Wales; Other Service Activities
• "I consider the service to be passable. In my experience things can be lost or delayed, e.g. a payment paid in in branch was lost and not paid into the account. These days I don't expect superior service." Northern England; Financial and Insurance Activities
• "Never had a problem with them. Always contactable, everything sorted. I am quite happy with the dealings I've had with them." Southern England; Manufacturing
• "Provides what we need. Generally quite satisfied." Northern England; Real Estate Activities
• "Nothing different." Southern England; Other Service Activities
• "It's acceptable. [We have a] good business manager at the moment." Southern England; Manufacturing
• "They're helpful. If you have a problem they are very quick to solve it." Southern England; Real Estate Activities
• "Acceptable. [I've] never had any major problems. They should contact [you] more, [I have had] no contact with [my] account manager." Southern England; Information and Communication
• "Very good. They're always willing to help when needed." Southern England; Human Health and Social Work Activities
• "They are quite slow when adding additional users to online banking, [creating] new logins etc. The process is slow. [I] would recommend [them]" Southern England; Financial and Insurance Activities
• "[They are a] little bit inflexible. WE have problems with the company credit card if you are not the account card holder." Southern England; Information and Communication
• "I use it for basic transaction but for others services I don't. I have actually never met a bank mangers in the ten years I have banked with them and I don't know who that it. Also when calling it is always [an] automated machine and you can never speak to someone. So generally not very helpful." Southern England; Transportation and storage
• "Very reliable. [I've] never had a problem [with them], never gone to ask them anything. We bank with them, end of [story]." Southern England; Construction
• "Very professional, very efficient." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "We moved because of the costs, [which were] quite expensive for the business account." Northern England; Education
• "I was very happy with them, but now they have had a changeover and changed our business manager, and I have a new one. It's been 5 months and I still have to meet them. [I'm] not so happy at the moment." Southern England; Construction
• "Well, my introduction to Lloyds was through a financial advisor who sorted out the loan and mortgage. An independent financial adviser sorted out the loan, so i do not have much contact with Lloyds." Wales; Professional, Scientific and Technical Activities
• "Runs smoothly, and requires very little attention. They provide all the foreign currencies we want to deal in, and at competitive exchange rates." Northern England; Manufacturing
• "Online is accurate. Adequate. I have relationship manager, but they're not very proactive. There are messages that come, but that's it!" Southern England; Professional, Scientific and Technical Activities
• "Flexible, and keen to do business..." Northern England; Transportation and storage
• "Adequate." Southern England; Human Health and Social Work Activities
• "Relationship manager is very helpful. Doing more with the bank is slow." Southern England; Transportation and storage
• "Their service is not spectacular. If you contact the manager you have to wait a long while to be contacted." Southern England; Manufacturing
• "Adequate. The most important thing to us is the basics, which they do fine. We have no problems with anything that they should provide. We don't use any other the services that they provide apart from the business credit card." Southern England; Manufacturing
• "Its okay , apart from the overdraft system. [I] have to pay each month, even when I don't use it, unlike the personal account." Southern England; Human Health and Social Work Activities
• "Overall, we're very pleased. However, we have had a change in our business manager and this has made us less happy with the service than we were before. Our new business manager is not as efficient as the one before." Southern England; Professional, Scientific and Technical Activities
• "We do not get any kind of service at all. We barely have any interaction with them. We used to have a dedicated relationship manager [who would] contact us quarterly, however this does not happen anymore. It's all done through a call centre, which I am not very happy about." Southern England; Information and Communication
• "Charges are too much." Southern England; Professional, Scientific and Technical Activities
• "I deal with them through a third party, so I don't really know." Northern England; Accommodation and Food Service Activities
• "They are basically just like everybody else." Northern England; Construction
• "Very efficient. They get back to you quickly if you have a problem." Northern England; Other Service Activities
• "We pay in and take out money, and that's it. The overdraft is the only service we use and we are charged a lot for that. I don't use their other services at all." Southern England; Other Service Activities
• "Everything runs smoothly." Southern England; Financial and Insurance Activities
• "It works for the basic banking needs. We have nothing more and nothing less." Southern England; Professional, Scientific and Technical Activities
• "Reliable. Good communication" Southern England; Administrative and Support Service Activities
• "It used to be horrible, but I find it's getting better. The branch service is poor." Southern England; Arts, Entertainment and Recreation
• "l get an excellent service." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "They are efficient and personable." Northern England; Professional, Scientific and Technical Activities
• "More recently the service has waned. It is because we don't have a direct manager and we have to call a business centre. You never speak to the same person. We tried to open an account for another business and it was impossible. You have to go online to fill forms and wait for somebody to contact you, it can take up to 20 working days to open an account." Northern England; Professional, Scientific and Technical Activities
• "They do what we need." Northern England; Other Service Activities
• "Great for everyday." Southern England; Arts, Entertainment and Recreation
• "Satisfactory, as you would expect." Southern England; Administrative and Support Service Activities
• "I don't know. Provides everything you need and the staff are polite and friendly." Southern England; Other Service Activities
• "Very efficient. Fast processing on applications." Scotland; Transportation and storage
• "I have little to do with the bank. I use it twice a year." Southern England; Manufacturing

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

• "They are out of touch with the sharp end of the business community." Northern England; Construction
• "Slightly better-than-average service provided by the staff, although there are problems at times." Scotland; Financial and Insurance Activities
• "[They're] very disappointing." Southern England; Information and Communication
• "Inadequate and disempowered." Southern England; Construction
• "Could be better. I had to fight tooth and nail for an overdraft with a personal guarantee." Southern England; Manufacturing
• "I am unsatisfied with them. They need to support their customers." Southern England; Education
• "Useless. For example, having been with Lloyds Bank for 30 years I tried to get money transferred because I might have be overdrawn. The one good thing they do is that you can look at the statement. Rang up someone who couldn't authorise it because it was too late. Charged £85. The money hadn't been transferred because there was a problem with an electronic problem. Relationship manager was [profanity]." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The service is poor. They just provide basic services. The advice they give is not very good. More interested in selling their products." Southern England; Manufacturing
• "They are quite good at sending payments promptly, but we have a lot of issues with queries in regards to charges of over £1,000. It takes forever to get an answer to a query, and the customer service is not good at all." Southern England; Accommodation and Food Service Activities
• "I think they need to look at their relationship managers, and where they place them. I have had a relationship manager forced on me, and he's useless. They got rid of a really good one. They don't give you a choice." Southern England; Other Service Activities
• "Not so good, to be honest. I think the bank line package is not up to date and not user friendly." Northern England; Manufacturing
• "You don't get a business manager at your local branch. It is difficult to get hold of your business manager. Charges are expensive. We have no access to finance. We want to change bank. They are not helpful." Northern England; Accommodation and Food Service Activities
• "Terrible. Their basic bank services, but back office side of things, don't understand that I'm running a business." Northern England; Arts, Entertainment and Recreation
• "Very limited service." Southern England; Administrative and Support Service Activities
• "They have a long history of wrongdoing, cheating, and misselling. They never recognise all this because to them, it's their business model." Southern England; Financial and Insurance Activities
• "Average. Not a great deal well done. When it was a struggle to get my business up, they wouldn't give me a £500 overdraft, and they would not give me anything at all. I'm guessing they still won't offer me that, and that is the sole reason why I will never take any product from any bank, because of Lloyd's. The banks are mainly to blame [for] what's happened to [the] economy, and that's why I refuse to give them my money." Wales; Transportation and storage
• "They have not been proactive, [the] relationship manager keeps changing and cancelling appointments. [I] made [a] complaint [and it] took [a] long time for resolution over [a] rude member of staff, quite rude. Would not recommend looking to change as unhappy with [the] treatment." Southern England; Human Health and Social Work Activities
• "They were totally unhelpful during the financial crisis, they actually made it worse for my business." Southern England; Accommodation and Food Service Activities
• "If somebody put the gun on my head and ask to choose between HSBC and Lloyds. I would choose Lloyds then." Southern England; Professional, Scientific and Technical Activities
• "It doesn't do anything well. The bank managers should see their customers more often, especially the business customers." Southern England; Professional, Scientific and Technical Activities
• "They are indifferent, really. They are useless." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "They were not reactive enough in terms of our requirements. They weren't able to sort out the finance we wanted hence we moved. They were also too expensive." Southern England; Construction
• "They are insensitive to business requirements. They have no understanding of the day-to-day, week-to-week activities of the business, nor do they have the means to." Southern England; Manufacturing
• "Complete shambles. [An] archaic system that doesn't function. I am in the process of suing them, and have lost a lot of my money. I would say they are fraudulent. I would never recommend this bank." Southern England; Human Health and Social Work Activities
• "It could be much better. It's a little bit of pot luck who you get on the phone when you have a query, whether they're able to resolve your query or not. Which suggested to me, that there staff are not adequately trained." Southern England; Real Estate Activities
• "Internet banking is good. Their interest rates were extremely high. Length of time to open a current account [is] too long. It's a problem when we have a new client company." Southern England; Financial and Insurance Activities
• "Secondary bank. [I] do not use [the] account very often. [I've had it] nearly 12 months now." Southern England; Arts, Entertainment and Recreation
• "Rubbish." Southern England; Manufacturing