Lloyds banking

Advantages: Easy way to keep track of finances
Disadvantages: Can be slow at times

...Lloyds TSB internet banking lets you manage your finances, apply for loans, credit cards, mortgages & pay off bills from home or anywhere with internet access. It seems very secure, you have a 9 digit username which is randomly given to you to prevent people guessing then you have a password which much be more than 6 digits & preferably a mix of letters & numbers. You then also have to enter your memorable information which very similar to a password therefore can be pretty much anything you want it to be as long as you can remember it! It can sometimes be irritating having to enter this infomation every single time not to mention time consuming if you're in a rush to check your account balance but it does make it that little bit more secure & give you the extra peace of mind that your finances are secure. Once you have...

Great_reviewer07 12.01.2009 · Read review
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Review of Lloyds TSB Online Banking

Lloyds TSB Online Personal Loans

Advantages: Online Loans very quick, easy and hassle free
Disadvantages: Possibly too easy to get your hands on the cash

...every case when you got a quote this wasnt the rate applied. To get this rate i had to borrow enough money that i could afford to be personally fed truffles by David Beckham in The Palm resort in Dubai. However when i entered my loan amount, under 10k, i found that the APR was almost exactly the same from one company to the other and only amounted to pennies difference each month. Having realised the actual cost element was virtually identical i decided that my other requirement was the firms reputation and also the ease of actually using their website. Due to banking with Lloyds TSB i decided that they would be my first point of call to obtaining the car of my dreams that i would drive off into the sunset clutching a beautif......sorry, got carried away with my writing. The Application As previously mentioned i bank...

Schmit 16.01.2006 · Read review
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Review of Lloyds TSB Online Banking

Lloyds TSB admin meltdown - is it safe to bank with them?

Advantages: good, clear website. reasonable rates and charges
Disadvantages: Poor support, no communication between departments, worrying security lapses

...Having banked with LLoyds for 27 years, I am now seriously considering whether to move my money elsewhere. Post "credit crunch" , the powers at LTSB clearly thought that, instead of looking at their own failings, they would respond to the financial crisis by shedding thousands of experienced staff doing the day-to-day admin of the bank, relying on cheaper costing minions who frankly haven`t a clue instead. In the last few weeks, LTSB have "lost" long-standing direct debits , failing to provide an explanation as to what had actually happened. (this included the one that paid off my LTSB credit card bill, with the bank charging me a late-payment fee - because I "failed to clear my bill" - ridiculous). More worryingly, I also received a text from them, telling me that my debit card had been used fraudulently abroad,and was told that...

dickobaker 02.11.2009 · Read review
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Review of Lloyds TSB Online Banking

Online Banking With Lloyds TSB

Advantages: Pay bills without visiting the bank, online statements, transfer money between your accounts
Disadvantages: Statements sometimes a few days behind

.... This allows you to make payment without visiting the bank. I pay off my credit card using this. Before making a payment you have to re-enter your password for security reasons. I have had no other experience with the other options so I can't tell you much about them. If you have a personal loan with Lloyds TSB (I have) it shows as another account and you can see how much left you have to pay. Overall, if like me you use your account for saving and paying bills I recommend you sign up and enjoy the benefits of internet banking....

glerwell 01.05.2001 · Read review
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Review of Lloyds TSB Online Banking

Lloyds TSB Internet banking

Advantages: Check your account anytime, access features any time
Disadvantages: None so far

...I have been with Lloyds TSB for many years,and have to say that, for the most part, they have been pretty good with me, but the purpose of this opinion is not to rate TSB, rather to rate their internet banking service. Joining is pretty straight forward,you fill out an on-line form, and Lloyds TSB susequently send you a form in the post with your personal details and activation code.This is assuming that you are already a TSB customer. Once your account is active, each time you log on you are asked for your code, your password, and another question based on information that you have supplied previously.When you log on make sure no one is watching, because they could access your account, the results being obvious.After you have finished ensure that you log off for the same reason. The web-site itself looks a little boring, but is...

RoyC 03.04.2003 · Read review
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Banking with Lloyds TSB

Advantages: None
Disadvantages: Unethical, pushy sales, poor rates

...Lloyds TSB are becoming increasingly irritating with their in-branch pushy sales tactics. What used to be a five minute visit to the bank has now become 40 minutes as they try and sell you a mortgage, credit card, loan, insurance or an up grade to your account. If I do need to go into a Lloyds TSB branch, I mentally prepare myself before entering so that I am ready to speak assertively when the cashier asks ''There is something flashing up on your account. Do you have a few moments to speak to someone about this? It could be important.'' Don't be fooled. This means they want to take you into a room to try and sell you products and you will feel very awkward about coming out of the room, 40 minutes later, without agreeing to insurance/ credit card/ mortgage. I was also getting a phone call every day at home until I asked to come...

kitty08 29.10.2008 · Read review
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Lloyds TSB

Advantages: Generally good service, helpful!
Disadvantages: High charges!

... Lloyds TSB I have been with Lloyds TSB literally all my life, they've always seemed to be a good bank to me, they won't lend me money as it is as I've never had credit and have been a student and never had a full time job, which is good, a lot of banks don't care and will give money out to anyone regardless of whether they can pay it back or not, but I've never had this with Lloyds, the only thing with them is the charges they put on your account for an unplanned overdraft, but these unplanned overdrafts I take with Lloyds really are a godsend when my wages are short by 50 pound one month and my phone bill needs paying so I don?t mind a £25 charge for a £100 unplanned overdraft, it s when you go overdrawn by 4p that the charge is annoying!!! Other than this, Lloyds have been a very good bank for me, yes they try to sell me...

stephbond89 16.11.2009 (17.11.2009) · Read review
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Banking made easy

Advantages: easy to use, clear information, quick to load, easy to apply for new products
Disadvantages: none

...I've only been banking with Lloyds TSB for a year, but I have found their service to be exceptional in this time. I was given access to internet banking in branch when I opened my account and given my password etc at that point. By the time I logged in when I got home, it was all up and running. The log in process is pretty simple, and I would also very secure. You are given a 9 digit number which acts as your username. You then create a password (letters and digits) that you need to remember. Once past this log in screen you are taken to a screen where you have to enter 3 letters. These letters are random combinations of letters of your 'secure word' that you have selected, eg. 1st, 3rd and 7th letter etc. I have on one occasion entered these incorrectly too many time and been locked out of my online banking but this was...

katherineh123 25.10.2009 · Read review
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Review of Lloyds TSB Online Banking

Lloyds TSB "The Bank for Your Daily Routine.

Advantages: All over branches, Easy to Open new Account, Good customer care services
Disadvantages: Hard to get Overdraft or Advance

...:- :- My Local bank:- Lloyds TSB "Banking is a part of our daily life. Life is easier with good banking. There are too many banks these days in the market. Some of them are international banks, rest are national or local banks. Aa usual I have an experience with some of the good banks. Banks like HSBC, Barclays, Lloyds TSB & ICICI Bank UK LTD. All banks are good in some part & bitter in few areas. Now a days my bank is Lloyds TSB, it's good bank for simple daily routine activities like paying your bills, setting up direct debits, depositing your salary & income. Lloyds TSB is providing services to business & individuals, giving loan, mortgages, credit cards, savings, insurance etc. It providing many current account services like Classic Account, Classic Account with Vantage, Classic Plus. I have a classic account...

dave8london 18.09.2008 · Read review
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Lloyds TSB

Advantages: Helpful bank, always try to help during financial difficulty.
Disadvantages: Try to sell you things you don't want, high bank charges.

...I have been with Lloyds TSB literally all my life, they've always seemed to be a good bank to me, they won't lend me money as it is as I've never had credit and have been a student and never had a full time job, which is good, alot of banks don't care and will give money out to anyone regardless of whether they can pay it back or not, but I've never had this with Lloyds, the ony thing with them is the charges they put on your account for an unplanned overdraft, but these unplanned overdrafts I take with Lloyds really are a godsend when my wages are short by 50 pound one month and my phone bill needs paying so I dont mind a £25 charge for a £100 unplanned overdraft, it s when you go overdrawn by 4p that the charge is annoying!!! Other than this, Lloys have been a very good bank for me, yes they try to sell me things like car insuarnce...

stephbond89 30.05.2009 · Read review
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Review of Lloyds TSB