New to the UK

We make banking easy

If you’re thinking of coming to the UK, or you’ve already arrived here, welcome! We have a wide range of products and services to cater for your needs. We also have lots of useful information to help you get settled in, whether you’re coming here to work or study.

Why Lloyds Bank?

As one of our customers you have access to one of the biggest banking networks in the UK.

You’ll find Cashpoint® machines at our branches. And you can also use our Creditpoint service to pay in money and pay bills if you’re in a hurry.

Our Switching Service

You can switch to either our Classic account or Club Lloyds current account online, you'll be able to switch at the end of your online application.

If you would like to switch to one of our other current accounts, or would like to switch a joint account, please visit your local branch.

  • Internet Banking, Mobile Banking and Telephone Banking (PhoneBank®) services, available 24 hours a day, 7 days a week.**
  • A Visa debit card you can use in over 500,000 places in the UK and 18 million outlets worldwide.
  • No charges when you use your debit card to withdraw cash from Lloyds Bank ATMs. You can also withdraw cash free of charge from over 63,000 ATMs throughout the UK, in the LINK network. (This doesn’t apply to customers who have a Cash Account).
  • Send money to almost anywhere in the world, from almost anywhere in the world with our International Payments service.
Opening an account

It’s simple to open an account with us. Normally all you need is your passport or ID card.

Get a Lloyds Bank current account

Whatever you need from a bank account we have a range of accounts to suit your needs.

Our Classic account covers all your essential banking needs including:

  • Free everyday banking when you’re in credit.
  • Easy banking on the move with our Mobile Banking app.
  • Get a Lloyds Bank Visa debit card to use online, and in more than 500,000 places in the UK and 27 million places worldwide.

If you want more from your current account you should consider our range of Added Value Accounts which come packed with great benefits such as AXA Travel Insurance, AA Breakdown Cover and Mobile Phone Insurance.

See our bank accounts

Offshore banking

Alternatively you might find that a bank account held offshore is more suitable for your needs. For example, If you’re likely to move between countries rather than be resident in the UK, it may be more tax efficient to open a Lloyds Bank International AccountThis will take you to the Lloyds Bank International site. Opens in a new browser window..

You can also open an account in Euro or US Dollars, as well as Sterling.

Banking in the UK

You may find that banking in the UK is different from the way you bank in your home country. So you can manage your money most efficiently, it’s helpful to understand the main differences, for example:

Making payments and paying bills

What overdrafts are and how they operate

When you’re ready to open your Lloyds Bank account, just bring your passport or EU/EEA ID card into your nearest branch. That’s usually all we need, but occasionally we may ask you for a second piece of identification.

If you’re an overseas student you’ll also need to provide a letter from your university or college. It should be on letter headed paper and confirm you have a guaranteed place on a course that is longer than 6 months, and show your start and graduation dates.

You can use the following documents as proof of identity:

  • UK/EEA/EU passport.
  • UK/EEA/EU photo driving license. Driving licenses that do not have a photo are not acceptable.
  • EU/EEA National Identity Card.
  • Northern Ireland Voters Card.
  • Young Scot Card (under 18s only) – this can be accepted at all branches.
  • Firearms or shotgun license.

Customers who have passports from the following countries can use their passport with a valid visa as an acceptable form of identity:

  • Australia
  • Canada
  • Hong Kong
  • Japan
  • New Zealand
  • Singapore
  • South Africa
  • USA

If you can’t provide one of the above, you will need to produce one document as proof of your identity and an additional document as proof of your address as follows:

Proof of identity:

  • Benefits or State pension notification letter.
  • Current UK non photo driving license.
  • Blue disabled drivers pass.
  • All other current signed passports with valid UK Visa not listed above.
  • UK Birth Certificate (under 18s only).
  • National Insurance Card (under 18s only).
  • Medical Card/Certificate (under 18s only).

Proof of address:

  • Bank, building society or credit union statement (we don’t accept statements printed off the Internet).
  • Current UK non-photo driving licence (only if it is not been used as your proof of identification).
  • Utility bill/utility statement or certificate/letter from a supplier of utilities dated within the last 3 months.
  • Local authority tax bill/council tax bill for the current year.
  • Benefits or pensions notification letter confirming the right to benefit (only if it has not been used as your proof of identification).

Ways to apply

In a branch

Find your nearest branch

Proof of identity

See what you can use

Apple green overdraft icon.


Manage your money with a Planned Overdraft. We offer them on most accounts. Subject to status.

Find out moreFind out more about our Planned Overdrafts.

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Ways to bank

Manage your money the way you want, including by phone, online and by text.

See ways to bankManage your money by phone, online and text.


International payments

Send money to almost anywhere in the world, from almost anywhere in the world.

Find out moreFind out more about international payments.

Important legal information

* Account opening is subject to our assessment of your circumstances. You must be 18 or over to apply.

** Not all PhoneBank services are available 24 hours a day, 7 days a week. Please speak to an advisor for more information.

Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Authorisation can be checked on the Financial Services Register at www.fca.org.ukVisit the Financial Conduct Authority website (opens in a new browser window).. Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.ukVisit the Lending Standards Board website (opens in a new browser window)..

Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065.