Lloyds Banking Group Chat šŸ«

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1651

Well this is excellent.

2 Likes
1655

I imagine these will be going away as they move all consumer services under the EE brand.

1 Like
1656

Resurrecting the old Lloyds TSB colour scheme.

1 Like
1657

Yeah, catchy. :grinning:

1658

It does feel slightly pointless keeping all 3 brands about. I dont imagine them closing any of the brands, but personally dont really see why Halifax is needed except for mortages. Can do similar to Natwest in England and RBS in Scotland but with Lloyds and BOS.

1659

I agree.

However, customer loyalty would be the biggest reason to keep the brands. I can imagine there would be uproar if they tried to cancel either BoS or Halifax.

Iā€™d guess they have many customers who are largely only with them due to some sort of emotional attachment to the brand (been with them for life etc).

Itā€™s surprising just how much that sort of thing means to some people.

3 Likes
1661

That would be a problem, but not as if Halifax would be the first brand to disappear. Plenty of banks have been bought and merged and they seem to have survived.

1 Like
1662

Very true but I just canā€™t see it happening. It would be interesting though.

Iā€™ve always liked Halifax. More so than Lloyds anyway.

Being completely unbiased, Lloyds is clearly the stronger brand.

3 Likes
1663

It benefits Lloyds to have a multi brand strategy.

For example:

Bank of Scotland obviously appeals to Scottish people.

Halifax is seen as more approachable and friendly.

Lloyds comes across as more serious/traditional and for businessesā€¦

3 Likes
1664

I can see a world where Halifax is an online only brand.

Edit: I forgot about Northern Ireland where LBGs only presance is Halifaxā€¦ hum

2 Likes
1665

Not quite. The HQ here has a Halifax and Lloyds branding.

1666

:sweat_smile: Iā€™ll be more specific to say only branch banking presance then.
I never had cause to visit the gasworks site, but on streetview now, yes thats a very large LBG and Halifax sign.

another edit, : gasworks is closing https://www.uniteinlbg.org/post/gasworks-belfast-to-close-in-2025

1 Like
1667

A little random but I opened an account with Lloyds recently solely to get the switch bonus. Was pleasantly surprised with the process of opening an account using the app, particularly scanning my passports NFC tag from my iPhone. I wasnā€™t even aware iPhones could do that yet. :grin:

5 Likes
1669

When I set up Santanderā€™s new app for my mum earlier this year, they used the iPhone to read her passport chip too all quite cool.
Unsure about android.
Guess that can be harder many many manufacturers with various implementations.

1670

Donā€™t know about Lloyds but Iā€™ve used Android to scan the passport on several recent openings.

1 Like
1671

Itā€™s been around a bit. Iā€™ve done it for some banks and for Australia / New Zealand visa applications.

1672

Android OS. Had to do biometrics and upload passport data for ID and right to work checks for a new job a few months ago. Bit different to the increasingly inebriated interview in a Nottingham bar for a job interview in 1990 followed by a start date the next day.

1 Like
1673

Have decided to move away from Lloyds for now and downgraded to the Classic account from Club Lloyds. No intention of transferring enough money in there each month for the Lloyds 360 since itā€™s so basic and useless for me.

Back to HSBC I go. Will report back if the downgrade to the Classic account gives me a hard search - I think it will.

1 Like
1675

Thatā€™s good to know, ty. Saw HSBC do a hard search, so Iā€™ll just keep it as a basic account. Nothing really good with the Advance account anyway.

1676

Does paying yourself using your own Monzo me link count as a debit card transaction, or would it detect that as a transfer to a money institution?