Lloyds Bank reviews: what App Store users complain about
We read the 300 most recent App Store reviews of Lloyds Mobile Banking (by Lloyds Banking Group) from 2 storefronts, dated 6 October 2026 to 22 October 2026. Average rating in this sample: 3.53★. All-time App Store rating: 4.8★ from 2.7M ratings. 126 reviews (42%) gave 1–3 stars.
Star ratings in this sample
| Stars | Reviews | Share |
|---|---|---|
| 5★ | 160 | 53% |
| 4★ | 14 | 5% |
| 3★ | 28 | 9% |
| 2★ | 20 | 7% |
| 1★ | 78 | 26% |
What 1–3★ reviews mention
126 English-language 1–3★ reviews in the sample (UK and Ireland storefronts), matched against fixed keyword lists per theme.
| Theme | Reviews mentioning it | Share of 1–3★ reviews |
|---|---|---|
| Bugs | 38 | 30% |
| Performance | 26 | 21% |
| Pricing / subscription | 22 | 17% |
| Crashes / freezes | 8 | 6% |
| Feature requests | 7 | 6% |
| UX / design | 7 | 6% |
| Ads | 1 | 1% |
A review can mention several themes.
Most-mentioned issues
- Fix login / account access: 39 of 126 1–3★ reviews. What to do: Audit the sign-in flow (SSO, password reset, verification emails) on the latest version; add clear error messages.
“The app is horrible and requires constant verification to sign in. I had to go to the branch to sign into my account . I had to go to into the branch to move my money around after a 2 hour phone call. they hung up on my after an hour of previous phone calls. there is no way to pu…” (1★, v195.03, 2026-10-13, GB) - Speed up loading: 26 of 126 1–3★ reviews. What to do: Profile cold start and the slowest screens on older devices; cache content.
“Always takes forever to load or just rejects the first few try’s. Once you do get in it’s great. A lot slower than Halifax was.” (3★, v195.03, 2026-10-20, GB) - Fix notifications: 10 of 126 1–3★ reviews. What to do: Check notification delivery and let users control frequency in settings.
“Was told to move from the Halifax app to Lloyds. Since the move, am unable to verify online payments though the app - when I open it as instructed through the verification process there is nothing there and so my payment gets declined. Effectively means I can no longer use my car…” (1★, v195.03, 2026-10-17, GB) - Improve content quality: 8 of 126 1–3★ reviews. What to do: Review the content areas users name; add a "report a problem" button on content.
“A danger to its users. The mobile is frequently unavailable and more often than not takes anything up to over an hour to access. When I need to transfer money from one of my accounts to another, the system repeatedly puts the wrong account as the payer which causes major adverse…” (1★, v194.05, 2026-10-11, GB) - Answer support requests: 7 of 126 1–3★ reviews. What to do: Add an in-app contact option and reply to these App Store reviews; Apple lets developers respond publicly.
“After Nationwide and Nat West offered me £200 to change to them I thought after being loyal to Halifax for 65 years they would at least offer me similar to stay with them, but how wrong I was, after contacting them twice all they said was they value my loyalty,???????, if they va…” (1★, v195.03, 2026-10-21, GB) - Fix in-use crashes and freezes: 6 of 126 1–3★ reviews. What to do: Match quoted actions to crash reports; ship a hotfix for the top stack trace.
“Crashes constantly. Cannot transfer money when I want to. Halifax app was far superior.” (1★, v195.03, 2026-10-21, GB)
Rating by app version
| Version | Reviews | Avg stars | 1–3★ share |
|---|---|---|---|
| 195.03 | 211 | 3.45★ | 44% |
| 194.05 | 89 | 3.71★ | 37% |
Versions with fewer than 5 reviews in the sample are left out.
App Store vs Google Play
| App Store (iOS) | Google Play (Android) | |
|---|---|---|
| Reviews in sample | 300 | 300 |
| Dates | 2026-10-06 – 2026-10-22 | 2026-10-16 – 2026-10-23 |
| Avg stars in sample | 3.53★ | 4.11★ |
| 1–3★ share | 42% | 23% |
Is Lloyds Bank your app?
The full report reads up to ~300 of the latest public App Store reviews, classifies them into 7 themes and 18 specific issues, and ranks the 10 fixes that would move your rating most. PDF by email within 24–48 h.
Full App Store report €49 €19 iOS + Android bundle €29 €15 Free check
Launch prices until 30 Nov 2026 or the first 20 orders (then €49 / €29 bundle).
Method and limits
Reviews were collected once from Apple's public customer-reviews feed (most recent first; UK, Ireland, Germany, France, Spain, Italy, Poland and Netherlands storefronts merged, 2 with reviews; up to 300 reviews). Star, month and version figures are plain counts of that sample. Theme and issue figures come from fixed keyword patterns (for example “subscription”, “charged”, “refund” for pricing) run on English-language 1–3★ reviews from the UK and Irish stores only (reviews in other languages count in the star, month and version figures but not in the themes); a keyword match is not a judgement of the review, so check the quotes. The paid report classifies every review with an AI model into 7 themes and 18 issues with severity. This is a snapshot of recent reviews, not the app's full history. Generated 24 October 2026. Not affiliated with Lloyds Banking Group or Apple.
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FAQ
What do Lloyds Bank users complain about most?
In 126 English-language 1–3★ App Store reviews from 2026-10-06 to 2026-10-22, the most-mentioned theme was bugs (30%) and the most-mentioned issue was “fix login / account access” (39 reviews).
How many Lloyds Bank App Store reviews are negative?
126 of 300 recent reviews (42%) gave 1–3 stars. Average rating in this sample: 3.53★.