A long story - I've been a satisfied customer of Lloyds for many years. My money goes in every month, and bills come out. It works well enough. However, earlier this month I was in Germany, and tried to get some cash from a cashpoint on a US base. It didn't work. Well, no big deal, thought I. Then, that evening, loud call from Missus, the bank fraud people had been on to her, my card had been used in the USA, and was blocked. Only I (not her, despite it being a joint account) could unblock it. After a very long (and therefore expensive) call to them that evening, they unblocked it. I'm off soon to Afghanistan. To avoid the same thing happening again (and in a place where mobiles are not allowed) I went to my local branch, to warn them. They cannot do anything - I must call the special number....... I did so, and was told that it is not possible to put any advance 'unblock' or warning on my account. In short, the first time I use any card - debit or credit - outside my normal 'pattern' of spending, it will be blocked, until I (NOT my wife) call to get it cleared. This is, apparently, an improvement on the previous, manual system, where they used to put a not on the file, saying "Smith is abroad for 6 months, expect odd things happening on his account" (Unusual for me being nothing spent on beer for a change). The customer services person said it was the same for all banks - but I know this to be bollox, as my son was in Germany last month, and all HSBC needed was a call to them before he went, and all was fine. Well, after 25+ years with Lloyds, when I get back they can stuff it. I've complained, but a fat lot of good that will do me. So, a warning - DO NOT bank with Lloyds if you intend to try to use any plastic - even Debit Card - outside the UK, where 'phone coverage is poor.