Lloyds and TSB split – so which bank am I with again?

Am I the only person who woke up to a banking-based fright this morning?

I’m not at my best on a Monday morning. So the last thing I want is a bank-based panic. I was – well, I still am, it’s very confusing – a Lloyds customer.

Interrupting my alarm this morning, I got a text from “Verde” telling me to make sure there was enough money to pay for any upcoming transactions. I’d never heard of Verde, so was concerned it was a scam of some sort.

But it also included the last four digits of my bank account number, so I sprang into action.

I tried to sign into Lloyds’ online bank (I haven’t actually been into a branch for years) and I couldn’t. The page was being really slow and timing out. So I ran downstairs thinking it might be an internet connection problem – it wasn’t.

Eventually, I signed in and two of my accounts were missing. I started to panic.

It dawned on me this was something to do with the Lloyds/TSB split. My day-to-day job at MSE is in chasing deals, so I wasn’t as up to speed as some of my other colleagues on what was going on.

I’d been told I was moving to TSB, but I also had an ISA with Lloyds. It occurred to me I had no idea how to sign into my new bank. I thought I could sign in with my Lloyds details – but annoyingly, the site didn’t work. But a few hours later, I did manage to sign in – with my old Lloyds passwords, to much relief.

Yes, I admit – I did get a pamphlet telling me I’d switched banks. I could have done with spending more than 10 seconds looking at it. I should have remembered the switch date and looked into how I sign into my new account.

But I didn’t, and I bet there are a load of people out there like me. However, I’m pretty sure I wasn’t told I’d have three of my accounts moved to TSB and one left in Lloyds.

So it’s OK now, I’m in and I know what’s going on. But how did the Lloyds and TSB split work for you? Am I the only person who woke up to a banking-based fright this morning? Let me know in the forum or in the discussion below.