Allica Bank Reviews 1.784

Having experience of all the major banks (plus a few challanger banks) covering many businesses it was a delight to find Allica Bank. The service level Allica Bank achieves should in my opinion, be the aspiration of all banks. Thank you in particular to Brodie for guiding us through opening several accounts to date - with more to follow soon.

To receive personal attention from a bank at all is a rarity these days, but the service from Allica Bank is from the golden age of banking. Just superb!

When I applied to open an account with Allica Bank I was assigned to Brodie Scott to take me through the process.
Brodie responded to my request quickly and efficiently and was in constant contact throughout the process.
Once my application was approved she called and took me through the onboarding process. She was a pleasure to deal with - Thank You Brodie

Just had to do a load of transfers and banking payments using Allica Bank. One of their advisers Faith Medina took me patiently through the whole process. Great service . Great bank

We were immediately impressed following our first introduction to Allica
Our relationship manager Andrew was extremely positive and helpful with a ‘can do’ approach from the very first meeting.
Extremely professional and thorough but with the mind set of ‘we can help you’ when other banks had said no.

I have moved my banking to Allica Bank after meeting with Greg Roake. I had spent many unhappy years at Metrobank and needed to change my business banking. Allica have taken over our banking and reduced my costs and even earned some interest with their great product.

Greg Roake at Allica Bank looks after our business and is genuinely refreshing to deal with. It’s immediately clear you’re not dealing with a traditional bank – communication is modern, responsive and actually aligned with how SMEs operate day to day.

Allica Bank feels purpose-built for growing businesses, and Greg in particular makes the whole process straightforward and commercial. A very different experience to the usual banking relationships.

The onboarding process was straight forward, there is no lack on contact through out and our relationship manager Greg Roake is brilliant; a genuine interest in helping my business be successful!
Highly rated so far.

Was very easy to open our new account. Great communication and only one simple form to complete

We approached Allica Bank to discuss a multi million Commercial Mortgage.We were introduced to Greg Roake. Greg has been fantastic.Within two weeks we had a firm offer. The process from start to finish has been straightforward and transparent. Greg has been on hand from start to finish to help and answer any questions we had. It’s so refreshing ,in this day and age to be able to actually speak to someone who took the time to understand our business . Allica Bank & Greg are 5 Star all the way.

I found Greg to be approachable and understanding, and to think outside the norm. Which is so refreshing for a bank nowadays, especially in the SME sector.

We have just drawn down a significant loan and Katie Roberts in Yorkshire provided incredible service.
Very very impressed by Katie and the whole banking team

Easy to set up great interest rate app very easy to use love it

Boni and Steve were great at explaining the product and onboarding us. Would highly recommend as the transition was easy.

Just moved over to Allica Bank.
App loads easily and connection to accounting software straight forward.

Lots of benefits. It would be great to have a table and road map as to understand fully how the Rewards Business Account and sub Savings Pot account works best together to maximise the benefits (moving and managing initial money).

However, this was fully supported by Customer Services, who led and advised throughout the onboarding process before handing over to the ongoing account manager .

I was the victim of a sophisticated bank impersonation scam and lost £43,821.59.

Despite clear evidence of fraud — including real-time knowledge of my transactions and recovery of £22,441 by a receiving bank — Allica Bank refused reimbursement.

They classified the as “account takeover” rather than an authorised push payment (APP) scam, avoiding application of the October 2024 APP reimbursement rules.

Customers are expected to hold significant balances, yet in my case there was no effective intervention when large, unusual payments were made under clear deception.

The matter is now with the Financial Ombudsman Service.

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Reply from Allica Bank

A day ago
Hello,

We’re really sorry to read about your experience and the impact this situation has had.

Protecting our customers from fraud is a top priority, and we take reports like this extremely seriously. When a case is raised, we carry out a detailed review of the circumstances, including how access to the account was gained and how the payments were made.

Different types of fraud are assessed under different frameworks, which can affect how reimbursement rules are applied. We understand this can be difficult, especially where the outcome isn’t what you expected.

As your case is now with the Financial Ombudsman Service, it will be reviewed independently, and we will support that process fully.

If you’d like us to take another look or talk anything through, please contact our team directly — we’re here to help.

Thanks,
The Allica Bank team

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Thank you for your response.

However, your reply still avoids addressing the central issue.

In your own communication, you described this as a “sophisticated impersonation scam”, which clearly involves deception and social engineering. Despite this, you chose to classify the as “account takeover” and declined to apply the October 2024 APP reimbursement protections.

This contradiction is significant.

Crucially, the fraudsters demonstrated real-time knowledge of my transactions during the call. They referenced activity that had just occurred, which would not be possible without either highly sophisticated access or a serious failure in safeguarding customer information. This further supports that this was a deception-based scam, not a simple customer-authorised action.

• Reference live transactions on my account in real time
• Quote sensitive card details
• Spoof your official number and carry out a structured callback process

It is also notable that £22,441 was recovered by a receiving bank, confirming the funds were traceable and reinforcing that this was not a straightforward case of customer error.

The matter is now with the Financial Ombudsman Service, where I am confident an independent review will assess whether your classification and decision were appropriate.

I will provide a further update once the Ombudsman has concluded its investigation

A FULL REVIEW WILL BE COMING WHICH WILL INCLUDE ALLICA REFUSAL RESPONCES,

This will be shared in FULL to protect others,

We’ve had a fantastic experience working with Louise as our Business Manager at Allica Bank.

She’s incredibly responsive, always easy to get hold of, and an absolute pleasure to deal with. Louise is personable, professional, and really understands the needs of our accountancy firm as well as our clients.

Recently (after being with Allica for maybe 1.5years) , we had an issue with a card being fraudulently copied, and the way Louise and the team at Allica handled it was outstanding...quick, supportive, and completely stress-free.

We wouldn’t hesitate to recommend Louise and Allica Bank to other businesses looking for a reliable and proactive banking partner.

I was a previous customer of Lloyds Business Bank and the comparison to Allica is night and day. First off, I actually have a relationship with my account manager. A real person! Ben Homans. Ben was great from the off, he explained everything clearly and helped get the account set up within a few days. As a regulated financial planner it can be hard to find more modern banks that will accept our accounts, so I was surprised with how smooth everything was.

The account itself is fantastic. I can log on using FaceID rather than having to use a card reader and ensure this is with me to login, which is a major plus, on top of the high interest, cashback etc.

Ben took the time after the account was open to have a further meeting with me to talk me through the account features, how the app worked and make sure everything was set up correctly. This makes a real difference to your experience as a customer.

I would happily introduce any of my clients, colleagues, family or friends to Ben and Allica.

Steve was very helpful and ensured the whole process ran smoothly. He was very easy to contact and even took a few phone calls in his own time.

After more than a decade with Lloyds and feeling increasingly frustrated with the limitations of traditional high‑street banking for my small business, discovering Allica has been a breath of fresh air. Their focus on genuine customer service is exactly what we’ve been missing.

As a growing business — and as accountants — we need a banking partner who can scale with us and one we can confidently recommend to our clients. After careful consideration and a really positive meeting with our new bank manager, we decided to make the move to Allica.

We’re genuinely excited about this new partnership and look forward to working closely with their team as we continue to grow our business.