Spending insights I feel has potential.
Notifications are very hit and miss, sometimes quick, other times take hours.
Iâve not used the card properly for a while, I did pay something on Sunday though and notification was there within a minute.
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Does anyone use Lloyds 360, is it what you all expected?
I presume itâs trying to compete with other premier related products from other banks.
What is everyoneâs thoughts on it?
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Amazing, thanks for the effort here. One last question, I can see it shows if you spent more or less but can you set budgets?
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It doesnât have budgets.
But as with HSBC I never really check, and Iâm not sure they notify when you do go over them.
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Fair, thanks for Checking. I never really check that bit either, with HSBC it does tell you if youâre over which is useful.
Also, whatâs with the activation code in the post still being a thing in 2024 
Iâve never had to endure it but Iâve been a customer on off for about 5 year if not longer 
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Love the Spending Insights but it was a bit hit and miss on my Halifax app. Every now and then it just randomly shows a blank page with âNOT FOUNDâ at the top.
The new Lloyds font⌠
Hope theyâre not bringing it to Halifax.
The apps will likely the same except one blue one green
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I never get these, only when a statement is produced.
Jeez.
Not sure Ive had those.
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Just checked my Lloyds mailbox.
My Statement of Fees is once a year, mid-December.
Anything in your settings?
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Thatâs weird being weekly - I only get one statement of fees a year. Not sure if changing anything in statement frequency would help as the only options are annually, quarterly or monthly
Do you think itâs important?
I have it, but I have no value in anything it offers. The only thing I note is a slightly increased fixed 1 year ISA rate - which looks to be below market. Everything else is just sales attempts repacked. Quite insulting really as it is so basic.
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Odd one with Lloyds. Considering them over HSBC, so tried to open an account. After being told I could, then getting a text to say I couldnât, I gave them a ring.
Their âwho do you work forâ box has a character limit on it, so I couldnât put the full firm, letâs for examples sake say, âNakatomi Corporationsâ and shortened it to âNCâ.
Spoke to a very lovely lady on the phone who apologised for this and overrode the decision. I had also been asked to go to Branch, which is nigh on impossible where I live. So, even though previous agents had told me I absolutely had to go to branch, sent me a link to do ID via a webform which she could sort out there and then.
Top Marks and a card on the way. Even if it just ends up in the collection, at least I can review them as an option now.
I hope the rest of a banking experience with them is better than this.
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Iâve not had any issues with them except my Apple Pay problem which may or may not disappear when I get a new phone 
Branch has always been great, but youâll not have that joy unless youâre in a city that has one.
Iâm making massive assumptions here, but Iâm 99% sure I got a Halifax colleague - if thatâs right and they are in actual Halifax theyâll understand the issue of branches more than a city colleague would.
The nearest three branches are all at least a 25 min one way trip, two donât open at weekends and the third one is on reduced hours. Canât just jump on a tube/bus to the next nearest one
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Halifax, Lloyds and BoS all handle the same calls from all brands.
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Yes, I thought that was the case. Given I got a very âlocalâ Yorkshire accent, even though I live the other side of the Hill in Lancashire, It wasnât a call centre somewhere in the UK for sure.
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Trying a new route for the Apple Pay issue.
Cancel both cards as lost so I donât have any active cards at all.
Leave it a few days, and order a replacement.
Maybe thatâll resolve 
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