Lloyds Mobile Banking vs MyFluent
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Lloyds Mobile Banking
Manage your finances with confidence, access banking services, and track spending in real-time. Apply for new accounts, block subscriptions, and get support anytime. Offers cashback and savings tools.
- Manage accounts and view transactions
- Pay bills and transfer money
- Apply for new bank accounts
- Block and cancel subscriptions
- Request and receive payments
- Spending insights and budgeting tools
- Earn cashback with Everyday Offers
- Freeze and unfreeze cards
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BE THE BOSS OF YOUR MONEY Manage your money with confidence, whenever and wherever you need. Join our 10 million App users – get the app and get started. Seeing your balance, paying a bill or checking your transactions are just the start. Here’s some of the great stuff we’ve got going on in the App. SPEND? SAVE? BORROW? INSURE? INVEST? APPLY IN THE APP TODAY - Not yet banking with us? Don’t worry – download the App, it’s the quickest and easiest way to apply for a bank account with us. - You can share documents with us in real-time using your built-in camera to complete your application quickly. TAKE CONTROL OF YOUR EVERYDAY SPENDING - Ever fallen into the subscription trap after that free trial? See, block and cancel subscriptions anytime. - Need to settle up or transfer money fast? With Faster Payments you can sort it in quick time. - Splitting the bill? Friend forgot their card? Request and receive money you’re owed from family and friends using ‘Request a Payment’. - Get support all day and night, every day. STAY IN THE KNOW WITH REAL TIME INSIGHTS - Know what’s going on with your money in real-time, with upcoming payments and instant notifications when money’s coming in and going out. - Wondering where your money goes? See where you’re spending and where you might be able to save, with Spending Insights. MAKE YOUR MONEY WORK HARDER FOR YOU - Enjoy a cheeky bargain or three with Everyday Offers. Earn cashback of up to 15% from a range of retailers with our current accounts and credit cards. - Turn your pennies to pounds – using ‘Save the Change’. We’ll round up your debit card spend to the nearest pound and move it into a chosen savings account with us. - Keep track of your credit score for free, with helpful tips and tools to improve it. KEEPING YOU AND YOUR MONEY SAFE - Use your fingerprint or face to login - it’s the fastest and most secure way to bank. - Whether your card is lost, stolen or turned into a chew toy, you can relax knowing you can freeze it, unfreeze it or order a new one in seconds. - With the latest security tech we keep your money safe and stop those pesky hackers in their tracks. - Your eligible deposits with Lloyds are protected up to £85,000 by the Financial Services Compensation Scheme. Find out more at lloydsbank.com/FSCS LEAVE US A REVIEW ABOUT OUR APP We’re always ready to listen and make things better for you. Lloyds and Lloyds Bank are trading names of Lloyds Bank Plc (registered in England and Wales (no. 2065), registered office: 25 Gresham Street, London EC2V 7HN). Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. The app is available to customers with a UK personal bank account and valid registered phone number. LEGAL INFORMATION This app is designed and intended for Lloyds UK customers to access and service UK personal products, and for customers of Lloyds Bank Corporate Markets plc, using the business names Lloyds Bank International and Lloyds Bank International Private Banking, to access and service personal products held in Jersey, Guernsey and the Isle of Man. It should only be downloaded for this purpose. While the app can be downloaded from App Stores outside the UK, this does not mean we are inviting, offering or recommending you engage in any transactions or establish a customer relationship with Lloyds or Lloyds Bank Corporate Markets plc. Any confirmation that our product or service complies with European Union law is made to Apple to meet this legal requirement. This does not imply any representation, warranty, or statement to you and should not be relied upon for entering into any contract.
MyFluent
Track your loan application's progress in real time and communicate directly with your dedicated case manager. Upload necessary documents and receive immediate status updates throughout the process.
- Real-time application progress tracking
- Direct communication with Case Manager
- View lender details
- Immediate status updates
- Document upload (P45, P60, payslips)
- Identity verification via phone camera
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MyFluent is a unique application that allows customers to view the progress of their loan application in real time and easily communicate with their dedicated Case Manager. MyFluent for iPhone is free to all Fluent Money customers. With MyFluent, you can: - Track your application by viewing your case notes in real time - Contact your Case Manager directly - View details about your lender - Receive immediate status updates - Upload requested documents such as P45, P60 or payslips - Verify your identity using the camera on your phone
Screenshots
Verdict
Lloyds Mobile Banking and MyFluent both sit at 4.9 stars, but that hides the real split: 92% of MyFluent's written reviews are positive against 61% of Lloyds Mobile Banking's. Lloyds Mobile Banking's advantage is ratings volume (21K vs 2). On price, rating, update cadence and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.9 for Lloyds Mobile Banking against 5.0 for MyFluent. That said, the two scores are not equally well evidenced: Lloyds Mobile Banking has 21K ratings behind it against 2, so its average is the more settled of the two. Written reviews are what separate them: 61% of Lloyds Mobile Banking's written reviews are positive against 92% of MyFluent's.
Lloyds Mobile Banking ships an update fortnightly, MyFluent every 3 weeks. The most recent releases landed on November 6, 2026 and November 1, 2026 respectively.
| Parameter | Lloyds Mobile Banking | MyFluent |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (21K ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 61.4% of reviews | 92.0% of reviews — better |
| Number of ratings | 21K — better | 2 |
| Update frequency | Fortnightly — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 16.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 575 MB | 51 MB |
| Age rating | 4+ | 4+ |
| Developer | Lloyds Banking Group | Fluent Money |
Customer experience
Lloyds Mobile Banking
MyFluent
User reviews
Lloyds Mobile Banking
From 21K App Store ratingsWhat we love
- 👍 Easy to use
- 🚀 Fast and efficient
- 🔒 Secure banking
- 💡 Convenient mobile banking
- 👍 Intuitive interface
Room to improve
- 🐛 Crashes and stability issues
- 🔍 Cluttered and confusing interface
- 🔍 Outdated design
- 🔍 Limited functionality compared to competitors
- 🔍 Difficult to navigate
MyFluent
From 2 App Store ratingsWhat we love
- 👍 Easy to use
- 👍 User-friendly interface
- 👍 Keeps users informed
- 👍 Good for tracking progress
- 👍 Allows communication with case worker/advisor
Room to improve
- 🐛 Does not upload correctly
- 🐛 Email bounces back
- 🐛 Makes life more complicated
- 🐛 UX really awful
- 🐛 App doesn’t update in line with changes
Bugs and requests
Lloyds Mobile Banking
Reported bugs
4 issues- Authentication issues
- Inconsistent performance across devices
- Inability to update contact information
- Delayed transaction notifications
Requested features
6 requests- Dark mode option
- Ability to customize app layout
- Integration with password managers
- Enhanced transaction history and analytics
- Support for international accounts
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- Improved accessibility features
MyFluent
Reported bugs
7 issues- Does not upload correctly
- Email bounces back
- Document tab doesn't work
- App doesn't update in line with changes
- New messages slow to appear
Show 2 moreShow fewer
- Slow to show documents
- Has to set up again on two occasions
Requested features
2 requests- Ability to complete forms online
- Touch ID login
In-app purchases
Lloyds Mobile Banking
No in-app purchases
MyFluent
No in-app purchases
Questions
Is Lloyds Mobile Banking free?
Is MyFluent free?
Which has better reviews, Lloyds Mobile Banking or MyFluent?
Do Lloyds Mobile Banking or MyFluent have ads?
Which is updated more often, Lloyds Mobile Banking or MyFluent?
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