Lloyds Bank conversation and feedback!

Weird. I’ve already got products with other members of the group too. I’ll probably go in anyway if I’m in town at some point as it’s not much effort for £125, but it doesn’t make good first impressions on a new customer.

Finally got round to going into the branch, currently been sat waiting for nearly half an hour. I’m really having to earn this switching bonus haha. Absolutely rubbish.

That sucks you have to go in branch. I remember switching to HSBC and having to do that. Not fun at all, one person trying to run the whole bank in our town. Used to be like 20 staff. I luckily made an appoint and met someone who had already been waiting like four hours for their turn who hadn’t. They were 15 mins late for my appointment so no biggie. Whatever they were being paid it wasn’t enough to do so many roles and jobs, they were so stressed out.

I’ve did the switch to Lloyds last week, took 34 seconds in total online (I actually timed it for fun :joy:), and got the letter next day with the passcode to activate the app. Got a few days now for the switch to happen.

There was loads of staff, but loads of older folk getting staff to print off statements. For some reason unbeknownst to me.

Anyone impacted by the Lloyds Banking Group online and mobile banking outage this afternoon / evening?

If I remember correctly from my time at Halifax, their structure was 1p per £7 per day.

I.e. you’re £14, 15, 16,… up to £20.99 overdrawn. You’re charged 2p per day as long as you’re overdrawn by this amount.

So if you needed to figure out how much you’d pay for an overdraft of £984 for one day you could work it out in seconds? Coz monzo that’s 50p, no need to work it out

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A new leader in the race for highest overdraft charge

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At least one can get an overdraft with them.

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Never used Lloyds so no idea what their criteria is but got a Monzo overdraft no problem

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Not sure how long it’s been a thing for, but Lloyds Bank, Halifax and BoS are now offering ‘Smart Alerts’ on their accounts.

Any time money enters or exits the account,a notification is sent to a customers device.

https://www.halifax.co.uk/aboutonline/download-apps/mobile-app-notifications/

I’ve got this turned on in Lloyds, it does work in saying you have x amount in Direct Debits out, but its quite slow at alerting. I turned it on back in October, I don’t know how long before that it existed.

The Lloyds ones haven’t been instant, in my experience. I ended up turning them off.

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Yeh they’re not instant just yet. A step in the right direction though

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