Why do new customers start off hating their bank? Because it saves time later, so goes the old City joke. Figures today suggest it is more than that with the biggest banks getting the most complaints by customers, according to the Financial Conduct Authority ( FCA ). In total, banks paid out £236.2m to complainants, with the average pay-out totalling £215, for various issues including unfair treatment, the mis-selling of products and unclear contracts. The FCA recorded 187,516 complaints about Lloyds Banking Group in the last six months of 2025. Lloyds is the biggest bank in the UK with around 28 million customers across mortgages, savings and credit cards. That figure includes the Lloyds Bank brand, which had 90,837 complaints, and the Edinburgh-based brand Bank of Scotland , which had 79,508. A Lloyds spokesperson said.…