They used to be good, but now they're rubbish. In order to access an online bank account, on top of two-factor authentication, customers are now required to provide a third temporary password over the phone. This password inflation has created a customer-unfriendly system. If that much user input is now required, in order to view an account, then online banking is broken. How many passwords will people be required to input in another five or ten years? Half a dozen? A dozen? Who's going to remember that series of passwords? On top of that, they've also removed my (and many others') local bank branch, in the last few months. A return to paper banking is the way forward, bankbook included, with an institution that is still local. Lloyds now provide a zero-star service. They're only getting one star because I can't give any lower.