Added Value Accounts

As a Classic or Added Value account customer you can apply to upgrade to one of our Added Value Accounts. Why shop around for travel insurance, breakdown cover and other useful benefits when you can get them all included with your current account? An Added Value Account gives you hassle-free peace of mind, along with the banking expertise you’d expect from Lloyds Bank. And with different levels of benefits you can choose the account that’s right for you.

Silver Account

Perfect for the European Traveller

  • European and UK Travel Insurance for you and your partner.
  • AA Breakdown Cover with Roadside Assistance.
  • Mobile Phone Insurance.
  • £50 interest and fee free Planned Overdraft subject to application and approval.
  • More.
  • £9.95 a month fee

Platinum Account

Get even more from your account benefits

  • Worldwide and UK Travel Insurance with either Family or Winter sports cover.
  • AA Breakdown Cover with Roadside Assistance, Relay and Home Start.
  • Mobile Phone Insurance.
  • £300 interest and fee free Planned Overdraft subject to application and approval.
  • More.
  • £17 a month fee

If you’re thinking of applying for an added value account see what you can get.

AXA Travel Insurance

Get travel insurance that covers you for as long as your Added Value Account is active, giving you reassurance whilst you're away on holiday.

AXA Travel Insurance

AA Breakdown Cover

As an Added Value Account customer you get the advantages of AA Breakdown Cover included as part of your account. You don’t have to worry about remembering to renew your cover – it will be renewed automatically each year, as long as your Added Value Account is active. And you’re protected whether you’re in your own vehicle or someone else’s.

AA Breakdown Cover

Mobile Phone Insurance

Your mobile phone insurance is arranged by Lifestyle Services Group Limited and provides worldwide cover for loss, theft, accidental damage, water damage and breakdown.

Mobile Phone Insurance

Sentinel® Card Protection

Covers all financial cards - one call and we can cancel everything.

Sentinel® Card Protection

Services with our current accounts

View all Current Account servicesSee our current accounts

Accounts no longer on sale

See benefits and details relating to accounts no longer on sale.

Personal review

Come into a branch for a review to help manage and get the most out of our money.


Account balance

The amount of money you have in your account at a particular time.

Sometimes a balance given by a bank will include payments that have been made to your account, but are not yet available because they haven’t cleared. This means that the money has not been received by the bank and is not available to spend. The money that you can spend is sometimes called your available funds or available balance.

Added Value Account

An Added Value Account is a current account that offers a package of additional benefits for a monthly account fee. These accounts typically include travel insurance, AA Breakdown Cover and mobile phone insurance.


AER means Annual Equivalent Rate. It’s an easy way of comparing different interest rate offers. It illustrates what the interest rate would be if interest was paid and compounded each year.

Gross Rate

Gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.