I don`t like change and have been putting off the full transfer to Lloyds but I bit the bullet today I have been using my new Lloyds visa card for a few weeks, amazon, paypal etc and it has been very smooth I finally agreed to full transfer online today and it took less than a minute. The only difference is the actual screen colour Just saying, in case, like me you are putting it off. I did put a tick in the no box for a mobile app