Get through to Lloyds Bank without the hold queue
Lloyds is the biggest current account provider in the country, and its phone line handles everything from a bounced payment to a mortgage query. The queue is long at lunchtime and after work. You'll need your telephone banking details before anyone will talk about the account.
Lloyds Bank customer service
0345 300 0000- When you ring
- Expect a telephone banking identity check before anyone discusses the account.
- Worth knowing
- Lloyds' site wouldn't show us its opening hours when we checked; the automated service runs 24 hours and advisers keep daytime hours, 7 days a week.
Other lines
- From abroad+44 1733 347 007
Number checked against Lloyds Bank's own site on 10 October 2026. Call charges may apply if you ring it yourself.
What HoldMyCall does on a Lloyds Bank call
- 1
Dials and waits
It rings 0345 300 0000, works through the menu and sits in the queue for up to an hour. You get on with your day.
- 2
Has the conversation
It introduces itself as an AI assistant calling on your behalf, gives the details you provided when asked, and keeps asking for the outcome you wanted.
- 3
Reports back
A summary, whether it got what you asked for, any reference numbers, and the full transcript and recording. If they insist on speaking to you, your phone rings and one keypress joins the live call.
Things people ask it to sort with Lloyds Bank
Find out why a payment was blocked
“A transfer I made yesterday was blocked and I've had no explanation. Find out why, whether it will go through, and what I need to do to release it.”
Chase a replacement card
“I ordered a replacement debit card over two weeks ago and it hasn't arrived. Find out where it is and whether a new one needs sending.”
Ask about closing an account
“I want to close a savings account and move the balance to my current account. Find out what the process is and whether there are any penalties or notice periods.”
Have these ready
Whether you ring or the assistant does, Lloyds Bank will want some of these before they will talk about your account.
- Sort code and account number
- Telephone banking details, or the app to confirm it's you
- Date, amount and payee of any payment you're asking about
Save them once in Settings and every call starts with them filled in. The assistant only gives a detail when it is asked for it, and it is hard-coded to refuse payments and contract changes.
Other ways to reach Lloyds Bank
You sometimes get an answer faster by another route. These are the ones Lloyds Bank publishes.
- Message Lloyds in the app
- Branch
If Lloyds Bank won't sort it
Complain in the app, by phone, in branch or by post. Lloyds acknowledges the complaint and answers payment complaints within 15 days and everything else within 8 weeks.
Financial Ombudsman Service. Free, after the bank's final answer or once 8 weeks have passed without one. You must go to the ombudsman within 6 months of the final answer.
Banks run security checks before they discuss an account. If they won't go through security with the assistant, it can ring you and bring you into the call to do that part yourself.
Let it ring Lloyds Bank for you.
First 5 calls are free while we're in beta. The assistant never pretends to be human, and every word is yours to keep.