Lloyds TSB Offshore Banking

Lloyds Bank International Currency accounts:

As UK resident working overseas, Lloyds is anything but convenient. You do not have direct, easy or convenient access to your account. Internet access requires you to have mobile phone reception. In fact any internet banking process (transfers, direct debits etc) require you to confirm everything with your mobile phone - either via a text message or costly call from Lloyds. This defeats the purpose of "internet banking". Using your card abroad is a painful process - you have to call Lloyds almost every time you try to make a transaction as they will put a security block on your card more often than not. The phone numbers that they show on the website, on the back of your debit/credit card do not connect you to the correct department, if for example you want to speak to card security to unblock your card you'll likely spend 40 minutes being transferred to the wrong person and waiting to speak to the next wrong department. They do not have an app for international currency accounts - despite having had these accounts for 25+ years. Their security verification process is so unreliable and antiquainted that instead of having one secure process (authenticator app or verification by their own Lloyds app - should they ever launch one) you have to enter multiple passwords then wait for a phone call or text message. In general - they're useless.

I have one hundred thousand pounds in Lloyds .is my money safe.i cannot get online banking.last time I checked my account.i was only getting 50 pounds a year on 100.000.i want to change banks.

Tried to transfer 8K to Funding Circle and was requested to call fraud centre. Answered all the questions and was told everything was alright. Next day checked to see if transaction had gone through and account access was blocked. Help desk useless: answered all their questions except the last one concerning most recent transaction. Naturally, as I was unable to access my account I could only guess and gave the wrong answer. Told they couldn't proceed any further and I would have to write to IOM to reopen account access. Did that and got no reply except two separate lots of forms requesting personal details. Called another "help desk" and was informed that I wasn't on their records and that I needn't have written to IOM but should re-apply for internet banking. Did that and two weeks later still waiting for access number. Total shambles of a service and no one to help me.

Everything takes disastrous amount of time. When I was applying for the account they failed to mention they will not do it without National Insurance Number, even though I specifically asked for it, but they just said we will see what we can do - in the end I ended up 7 weeks for the account to be opened because of it.

Ordering a foreign transfer over the phone took me one hour! And you cannot do it online!

People in the branches absolutely incompetent, when you ask them a question they call a help-line themselves, which did not even work at the time when I was in the branch.

There is nothing positive about my experience with this bank. I regret opening account there. Disaster!

There online banking service is terrible, problems logging on, problems setting up payee's, slow. At one stage you could only log on using internet explorer. On the plus side if you keep complaning they keep giving you money to shut you up, £60 and £20 so far.

I would not like to say any more. But i have to toget it registered

As a Guernsey resident, I needed a local bank for normal day to day transactions. All was running smoothly until, due to unusual family circumstances, a great deal of my income was taken up with helping to repatriate a close relative.

I asked the bank if it would be possible to arrange a very small overdraft for a short period of time. The blunt answer, without any requests for further information, was No.

Naturally, my account became overdrawn. I asked again. No again.

The problem was further compounded when a Direct Debit was taken from the account a month early. I was promised (by phone) that they would not make any charges. They have, which has now taken me overdrawn again, so they will then charge me next month for being overdrawn!

I shall now be taking my complaint direct and face to face with the manager on Monday.

Watch this space...

UK Lloyds bank promises to deposit funds after 2 working days, make them available by 4 working days and can take up to 6 working days to take the funds back.

Lloyds offshore just took 9 days to clear a UK cheque because they won't keep same promises as Lloyds UK

Customer service is appalling, tried to complain, they said screen kept freezing and after half an hour asked if they could call me back.

After investing 25 000 GBP in a 3 and half year OLED and which has just matured I am informed that I will just be receiving my capital back. No money was made blah blah blah. What a pathetic performance and makes me wonder what idiots they must have playing with our money. A bunch of school kids could have done better!!

The worst banking experience of my life. Interest payment schedules wrong, can't get access to account, incorrect details on their computer so can't get through security. Still waiting for telephone banking papers.