My Lloyds credit card is still showing pending payments in the app. A couple of days ago they were slow to show up, but they appeared eventually. They are working fine today; I used my card 20 minutes ago and the pending payment is showing correctly.
Why would they want to remove pending payments? It would be a terrible downgrade. The minute they do that, is the minute I stop using my Lloyds credit card. Iâd switch to using Barclaycard instead.
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Monzo, starling, Revolut, Chase, all the new banks donât have a pending section.
Transactions will just post to the statement list right away.
Ah, you mean that transactions would still show straightaway, but theyâd show as completed payments, rather than pending? That would be good. I thought you meant that pending payments wouldnât show at all, like HSBC and First Direct credit cards, where they donât show until the next day.
Yeah, no pending status in the app (though it may say or indicate somewhere on the transaction screen).
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I panicked for a second there! 
Itâs the one thing I disliked so much about the FD card I came to Lloyds. I couldnât deal without at least seeing the pending transaction, though it just automatically showing would be good enough.
I just put these as payments and transfers and donât count that bit as spend.
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I donât use my FD credit card much but it does frustrate me that you donât get any sort of notification.
I do like Lloyds but their notifications are often delayed. I guess itâs a case of what is worse.
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From a product collection they are great, but for innovation itâs ridiculously slow.
If they want to be top dog then they need to push harder. The app is a mystery to me; they shouldâve gone fresh and modern, not the web page based view it is today.
They know how to port customer to a new app/core, they offered to fix TSBs issues years back so itâs not like they donât know what theyâre doing.
I could be on board for a few issues if it meant a much upgraded service. NatWest group are a great example of this.
Barclays however 
I know most wonât be caught out by this but see the undermentioned scam
I canât say Iâve ever really had this of late. Very occasionally Iâll get one maybe a few minutes but normally theyâre instant
Who are we on about, Lloyds? I think theyâre actually coming along nicely and are starting to surpass the HSBC experience in terms of functionality. Where they really donât meet the same expectations are in customer service.
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Yes.
Everything is still web based (loading screens) and not much really feels like itâs built to the app, just screens on screens.
Be rid of those loading spinning screens I could possibly be on board, but imo drop everything and fix notifications. The other projects seriously canât be less demanding than fixing something that already exists.
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Spending insights i beleive isnât a webview anymore (i could be wrong) It does still have the spinning wheel but unlike before you canât zoom in and out like you could which suggests itâs app native.
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The other thing is the login time.
~7/8 seconds to see my balance.
Barclays is around 3/4 seconds.
Chase around 5/6.
Monzo 2/3 seconds.
My mental clock might be out but itâs still one of the longer applications to open.
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I totally agree with the log in time. They donât need that family splash screen starting up. I find myself more going to apple wallet for my bank balance as itâs instant to open and show rather than the app sometimes. Plus it also has a widget that can show balances for connected bank accounts.
The thing that bugs me about the slow opening on the app is:
- After Face ID if the coin spins for about a second everything is ok
- After Face ID if the coin spins longer than a second then when my accounts load they wonât be in my chosen order
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the most annoying thing for me Is, at least on iOS if youâve had the app running in the background for a while when you open it again you get a screen saying like âyou have been logged outâ and you have to tap a button to make it load the login sequence again
I mean I get the reason why they want you to re-authenticate but why canât they automate that bit
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I think a lot of the legacy banks do this, Iâve had this with Lloyds, HSBC and others.
Itâs a bit annoying but you can soon login again
Thanks for clarifying.
For me, and I know others might differ, Lloyds as an app is great. I canât honestly say Iâve ever noticed the login time and it does what I need perfectly. Which is easy transfers and clarity of where I stand across accounts. My transactions have also been instant for some time.
The only thing I donât like is the customer service. Itâs hardly âpremierâ and I donât see it anywhere near the same level as HSBC was.
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You think HSBC customer service was better? Do you mean HSBC Premier or regular?
I can vouch for HSBC Premier support - such a shame that I only just miss the requirements now. Still waiting to see if they downgrade me.
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