Last Fri, I sent GBP to my Lloyds USD A/C, Lloyds used (Ex%1.1494). On the same day, I sent US$ out from my USD A/C to my another GBP A/C (not Lloyds), |Lloyds used (Ex%1.2154) which was 5.74% higher than 1.1494. It means they had charged me GBP400+ in that exchange (US$ to GBP). Lloyds is using an extreme high Ex% for USD to GBP that isn't based on the market. (The price is around 0.865 in 0.85 out for US$ to GBP). What the Ex% Lloyds bank refer to? (1.1494 in 1.2154 out ?????) They robbed (looted) my money in that way!!!! I found that Lloyds bank (or British banks) is dishonest and their customer services are awful! Very rude, they just hang up the phone if they don't want to talk with you (they treat their customer as if we can't do anything without them, just think that you can cancel the account anytime if you are not happy). Very impolite! I am disappointed from the image of British! I am thinking to put my $$ to other foreign banks instead!