I hate this bank with a rageful passion. Site is always down, phone lines always busy and yet they randomly decide to close my accounts on many occasions for entirely legitimate transactions, saying the only way to open them again is to waste an hour in a phone queue. Randomly froze my card a few months ago, called up and they basically just said oops don't know how that happened. THEY FROZE ALL MY MONEY AS AN 'OOPS'. How on earth do you accidentally freeze an entire account?!?!?! Ridiculous. I'm writing this as I'm on hold with them right now because they froze my account again last week after I dared to try and pay my flat deposit to an entirely legitimate company. I ended up paying the deposit through my account with Starling Bank and they just made me fill in a few extra details and provide some documentation to show the transaction was legit and it went through fine. Took 5 minutes and guess what? I can still access my starling bank account! So basically Lloyd's is useless and stupid and there are infinite better alternatives to this awful bank. Words cannot explain the hatred I have for this bank - can't wait to leave!!!!!!