🐎 Lloyds Banking Group Chat

UK Financial Chat Fintech Chat
4206

What gets my goat about this is that everyone you speak to says they aren’t aware of any issues.

Like either you guys really don’t communicate or you’re trying to hide a fundamental flaw.

To the point of using my card for contactless, I don’t even carry a wallet - I shouldn’t have to find a workaround for a basic issue in 2025.

Lloyds has to be the most ‘legacy’ bank I’ve come across recently.

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4207

Personally Apple Pay is more secure. You don’t share any card details with the store (either in person or online) you are at. There seem to be many issues with data leaks. Additionally offline, it is also much more secure as you don’t have to carry cards to be lost / stolen.

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4208

You are also more likely to lose a card than a phone.

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4209

Also Apple Pay on the Apple Watch is something I use a lot, I don’t even have to have my phone near me, I can leave it at home, but now I need to take a card/wallet because Lloyds can’t get their act together

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4210

I’ve never been able to bring myself to actually use it on my watch without looking like a complete berk :joy:

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4211

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Nice to see something that isn’t a product sell for a change.

I find this surprising. They’re certainly no FinTech but coming from FD and HSBC, and having used Barclays and NatWest I’d comfortably say the Lloyds app in particular is the most unlegact experience ever.

Where I do agree is in things such as text verification and manual applications for credit cards. Those areas are indeed particularly legacy.

But the fact transactions often clear before the weekend and you have a wealth of data and reporting make me feel they’re not as legacy as others.

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4212

How is NatWest more legacy than Lloyds?

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4213

Well in my experience

  • Transactions clear sooner and you can see much more detail in the transaction itself
  • you can search merchant history easier
  • You don’t have to do the stupid face thing
  • With credit card transactions you can change the location if it’s wrong.

I’m not saying it’s light years ahead because the NatWest App is l not bad. I’m just saying that I didn’t think Lloyds was the most legacy bank ever.

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4214

I really do like Lloyds but the deal breaker for me is the fact it doesn’t display future transactions eg bills or incoming money/pay

4215

Other than Monzo, which banks do this?

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4216

first direct will show upcoming direct debits once they’re due on the next working day. I think I’ve seen incoming payments from energy providers and things.

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4218

The new iOS widget for LBG will show upcoming. Which is great, but the app should also be able to do this.

Should’ve built an app from the ground up, and stole engineers from other fintech. They can afford it. Their current model doesn’t bring them to the era consumers need or want in some ways.

4219

NatWest don’t show upcoming BACS credits but they do show upcoming direct debits the working day before. It’s not in the transaction feed, though - you have to look in the list of Direct Debits.

4220

That sounds a bit like what Lloyds do, Lloyds have an up and coming payments screen but it’s just a reminder based on your last direct debit payment and not the actual amount.

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4223

I hope so. The app is actually quite nice and for me at least the right level of modern. Having upcoming direct debits and payments would be ideal.

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4224

You get used to it pretty quick! Absolutely my preferred option when paying on public transport, as it’s super quick with the Express Travel Card option

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4225

Ah I figured it would be good on public transport yeah, however I use public transport for about one day every 5 years when I go to London for a gig or something :sweat_smile:

I might start using the watch more and see how I get on with it.

4226

I received a written response (a letter) from Lloyds today regarding this. To summarise I’ll add one of the paragraphs verbatim here:

Apple Pay limitations and physical card reliability
Apple Pay is an optional service included with your account, while it offers added convenience, it is not guaranteed to work for all customers. However, your physical Lloyds Bank card remains fully functional and reliable for everyday banking use. We also advise all customers that limitations may apply to digital wallet features, depending on card type and account eligibility.

That’s the end of that then apparently, no Apple Pay for me from LBG.

Seems like if there’s a problem and it’s difficult to fix, they’ll just give up on you.

4227

I think it’s just not a high priority item for them. It’s not stopping people from using the account or paying by card. They see it as a convenience rather a necessity.

Ultimately people can vote with their feet and find a different bank

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4228

It’s probably also saving Lloyds money as they don’t need to share any revenue with Apple..

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