I understand that, but make 77p work for any account fee pro-rataā¦
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I asked ChatGPT cos I got a busy day
ChatGPT has worked out its the fee worked out on a daily rate.
So it looks like upon opening my account for the first month I was charged 1 days worth of the fee. Itās also worth disclosing they wrote mine off by applying a Ā£1 credit to my account.
Ā£3.00 Ć· 31 = 9.67p per day. 9.67p x 8 days = 77.36p, rounded down to 77p, maybe? Was your account open for 8 days?
No, opened today.
Very strange then. Did they actually say itās for the Club Lloyds account fee?
No, to be fair, he said there was a āchargeā. I joined the dots up. Itās not an issue now but it hasnāt added up in my mind what it could be!
If you call the telephone banking system and ask it to read off recent transactions you might get a hint
I have no details other than the sort code and account number. I havenāt tried but Iād be surprised if with just that information I can get transaction details.
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The Club Lloyds fee doesnāt say āAccount feeā. It says āClub Lloyds Feeā followed immediately by a credit for the same amount, described as āClub Lloyds Waivedā, providing that you paid Ā£2000 in the previous month.
4 hours of my life Iām never getting back.
DFU full factory reset > still no Apple Pay for Lloyds.
F**k you 
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Well thatās one to avoid then as might have considered the switch bonus but not if itās a clunky as the Halifax app on Android
I only know my sister I think and Iām not putting it on her name 
Iāll just go without, but itās frustrating I get told itās updated on Apple wallet - whose Apple wallet?
Wouldnāt that log me out?
I canāt log out yet as itās restoring all my stuff.
Will give it a go in a bit.
Edit: nope, still nothing. Wallet was clean too, no club card etc.
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Last time I logged out of my Apple ID it removed everything from Wallet and I had to add them all back again.
Iāve literally tried everything I can, other than adding it to someone elseās phone.
Probs trust one of you over family
Might sound stupid but the dot isnāt fully green so maybe itās not updated yet. 
That just means the current status.
As for it saying Apple Pay, my card has refused to add to Apple Pay since July.
So itās stuck somewhere from an old Apple Pay connection (Iāve only ever used it with the same device I have today).
It doesnāt report anywhere in my device or iCloud/Apple ID.
Itās stuck in the Lloyds systems somewhere. They need an engineer to look at it, not read from Fountain or whatever itās called now (internal process book for colleagues).
Theyāll need to remove it from whatever itās stuck on (thereās no active Apple Pay tokens on current or previous cards).
Wiped my device to factory earlier, which was as frustrating as Erase and reset I did last week I think it was.
Getting absolutely nowhere.
RBS no issue.
They would be best closing your account and setting you up with a new one.
Iām with them and they are slow to get anything done, took them nearly two weeks to replace my bank card last month when it passed its expiry.
Iāve already created a new account (didnāt close the original), and still no dice with a new account and card.
Iāll continue my complaint and see where that goes, the card itself is fine.
First direct has had issues re adding to Apple wallet but they just have to confirm recent transactions with me and all is resolved.