Also known as: Lloyds Bank; Lloyds
Lloyds Bank plc is one of the UK's oldest and largest high street banks, with roots going back to 1765. Today it is part of Lloyds Banking Group and serves millions of personal and business customers across England and Wales. Halifax and Bank of Scotland are also part of the same group.
Personal customers can access current accounts, savings, mortgages, personal loans, and credit cards. The bank also offers insurance products and investment services. Business banking is available for companies of all sizes, from sole traders to large corporations.
Lloyds has one of the most extensive branch networks of any UK bank, though it has been closing branches in recent years. Its mobile app is widely used and consistently well rated. Telephone banking is available for customers who prefer not to use digital services.
If you have a Lloyds account or product and need to get in touch, you can call their main customer service number or visit a branch. Their registered address is 25 Gresham Street, London, EC2V 7HN. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by both the PRA and the Financial Conduct Authority. Eligible deposits are protected up to £85,000 per person under the Financial Services Compensation Scheme. Because Lloyds, Halifax, and Bank of Scotland are all part of Lloyds Banking Group, the £85,000 limit is shared across all three if you hold accounts with more than one of them.
If you are struggling with a Lloyds debt or loan, free help is available from StepChange, National Debtline, or Citizens Advice. You do not need to pay anyone to help you manage debt.
Quick summary
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These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Lloyds Bank plc’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Personal current accounts; savings accounts; mortgages; personal loans; credit cards; business banking; insurance; wealth management
Trading names and group notes
Subsidiary of Lloyds Banking Group plc (SC095000, listed LSE). The group also owns Bank of Scotland plc (FRN 169628) and Halifax (a trading name of Bank of Scotland). Lloyds Banking Group was formed by the merger of Lloyds TSB and HBOS in 2009.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.1
11000 reviews
App Store
4.7
Google Play
4.4
Other review sources
Which? Customer Score: 55%; Smart Money People: 3.8/5; FSCS protected deposits up to £85,000
Overall public sentiment
Mixed to positive. Scores 4.1/5 on Trustpilot. Customers appreciate branch network and long-term reliability. Complaints include slow fraud resolution, app outages, and branch closure programme.
Review sources
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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