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! 
It’s the one thing I disliked so much about the FD card I came to Lloyds. I couldn’t 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 don’t count that bit as spend.
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I don’t use my FD credit card much but it does frustrate me that you don’t get any sort of notification.
I do like Lloyds but their notifications are often delayed. I guess it’s a case of what is worse.
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From a product collection they are great, but for innovation it’s ridiculously slow.
If they want to be top dog then they need to push harder. The app is a mystery to me; they should’ve 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 it’s not like they don’t know what they’re 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 won’t be caught out by this but see the undermentioned scam
I can’t say I’ve ever really had this of late. Very occasionally I’ll get one maybe a few minutes but normally they’re instant
Who are we on about, Lloyds? I think they’re actually coming along nicely and are starting to surpass the HSBC experience in terms of functionality. Where they really don’t 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 it’s 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 can’t be less demanding than fixing something that already exists.
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Spending insights i beleive isn’t a webview anymore (i could be wrong) It does still have the spinning wheel but unlike before you can’t zoom in and out like you could which suggests it’s 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 it’s still one of the longer applications to open.
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I totally agree with the log in time. They don’t need that family splash screen starting up. I find myself more going to apple wallet for my bank balance as it’s 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 won’t be in my chosen order
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This is somerhing i’ve given feedback on internally. Can’t find their response but it was along the lines of the app is getting things ready in the background. Didn’t really answer why the customisation of accounts etc… is forgotten as force closing the app and re loading usually means it works, so it can cache quicker enough at that point but not all the time.
The do have a lot of security measures in place checking things, threatMatrix for example checking things on the phone.
They do need to get the login time down to 2-3 seconds though
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the most annoying thing for me Is, at least on iOS if you’ve had the app running in the background for a while when you open it again you get a screen saying like “you have been logged out” 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 can’t they automate that bit
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I think a lot of the legacy banks do this, I’ve had this with Lloyds, HSBC and others.
It’s 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 can’t honestly say I’ve 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 don’t like is the customer service. It’s hardly “premier” and I don’t 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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Actually I did mean premier but even standard service was so much better.
For example with them I could chat in app anytime I wanted even if it wasn’t on premier. They solved things there and then and I never had to chat back. I could ring and speak to anyone, anytime.
Lloyds chat be like, let’s just not respond to the customer ever or tell them to call. It’s fully useless and I wouldn’t care if they just got rid of it.
The supposed “24/7” you get with premier they just tell you that the department you need is (obviously) not open and they can’t help. But you can go to branch. Which’d be fine expect there are none around me that open at weekends or extended hours.
Im really only with Lloyds because the products and app is pretty decent and I CBA moving again.
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I went into Lloyds today to deposit some cash and I tried to use my Lloyds International Card and quickly noticed it didnt work and the cashier was a bit confused. The manager then came over and took me into one of the private rooms and was really nice and explained to me that Lloyds International is under Lloyds Bank Corporate Markets and that Lloyds Bank UK is under Lloyds Banking Group.
So after producing my Lloyds UK Premier Card we did the cash deposit and everything went great.
She was really nice though, I explained that I recently moved onto the mainland from Jersey and she walked me though all of the Lloyds UK stuff and benefits. Turns out i forgot activate my Lifestyle perks or something like that (I went with Disney+). She also offered me a contact to something called a Mayfair Service. No idea what this is so I said no thank you.
But my first experience in a UK Lloyds Branch and it was really nice and friendly.
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Lloyds Mayfair Banking Service is for the stinking rich.
“Service eligibility:
Our Mayfair service is for clients with £2 million or more in assets or an annual income of £500,000 or more.”
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