Gold Account (no longer available)

The Gold Account is no longer available for new customers. The price of a Gold Account for existing customers is £12.95 a month.

Gold Account features

About the Gold Account

  • A Lloyds Bank Visa debit card you can use online and  in over 500,000 places in the UK and 27 million places worldwide.
  • Quick, easy ways to manage your money 24 hours a day, 7 days a week with Internet Banking, PhoneBank® and Mobile Banking.
  • A way to keep track of your money across your Lloyds Bank personal current and credit card accounts with our free Internet Banking service, Money Manager.
  • £150 interest and fee free overdraft subject to application and approval.

AXA Worldwide Travel Insurance

  • Worldwide Travel Insurance up to 80 years of age for you and your partner, for up to 45 days per trip.
  • Advice before you travel - help with visa requirements, required inoculations, time differences, opening hours, motoring restrictions.
  • Comprehensive cover, including: Emergency medical cover (up to £10,000,000), Cancellation or curtailment cover (up to £5,000), Personal accident cover (up to £100,000) and Baggage cover (up to £2,500).
  • A wide range of upgrade options including winter sports and family cover.
  • Go to to manage your cover more easily from wherever you are, or make a claim at a time that suits you. Alternatively call Gold Membership Services on 08458 5050 56

Full details and exclusions

Making a claim - All you need to do is call Gold Membership Services on 08458 5050 56.

AA Breakdown Cover  

  • Roadside Assistance – Assistance at the roadside if you are broken down more than a quarter of a mile from home. If it is not possible to fix the vehicle, you and up to seven passengers will be recovered to the AA’s choice of relevant local repairer or a local destination of your choice, provided it is no further.
  • Accident Management (underwritten by Acromas Insurance Company Limited) – Assists in arranging the repair, recovery and claim processing for vehicles following an accident or vandalism where you are claiming under your motor insurance.
  • Upgrade your AA cover with Relay, Stay Mobile or Home Start. For details and prices just call 0800 1070101.
  • Full terms and exclusions

If you breakdown on the road, call Gold Membership Services on 0800 107 0011

Mobile Phone Insurance

Your insurance, administered by Lifestyle Services Group Limited (LSG) and underwritten by Assurant General Insurance Limited, covers one phone for sole Gold Account holders, while joint account holders can insure a phone for each of you.

  • Covers phones up to a maximum individual original retail cost or value of £2,000 including VAT.
  • Covers the cost of replacing the phone in the event of loss or theft or the cost of repairing (or replacing where the phone cannot be repaired).
  • Covers the cost of unauthorised calls made up to £1500, for contract phones, and up to £300 for pay-as-you-go phones.
  • Full terms and exclusions

Registering for Mobile Phone Insurance is recommended as it will simplify the claims process. Call Gold Membership Services on 08458 5050 56 or register online for Mobile Phone Insurance.

Sentinel® Card Protection

Sentinel® Card Protection, provided by Affinion International Limited and underwritten by AmTrust Europe Ltd, provides cover against Personal Money lost or stolen abroad at the same time as the Cards, and for loss or theft of the handbag, wallet, purse or briefcase containing the Cards lost in an Incident.

This insurance only applies to residents of the UK and will be automatically cancelled if you move permanently outside of the UK.

  • Cancel and order replacement cards with just one call.
  • If your money is lost or stolen, you can claim up to £200 to replace your missing cash. We’ll also give you up to £200 to replace the missing handbag, wallet, purse and/or briefcase your cards were in.
  • If your cards go missing while you’re away from home and you find yourself with no way to make a payment, we can organise interest free cash advances for you. Cash advances are subject to status and repayable within 30 days of receipt, (terms and conditions apply).
  • Full details and exclusions.

We recommend you register your cards with Sentinel® Card Protection. Call Gold Membership Services on 08458 5050 56 or register online.


Vantage is no longer available with new current accounts or as an upgrade option for existing customers. If you are an existing customer with Vantage added to your account, click here for further information.


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

Find out moreFind out more about overdrafts
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    Save The Change®

    Put away the pennies every time you spend.

    Find out more Find out more about Save The Change
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      Debit cards

      Use your card in over 500,000 UK locations and 27 million places worldwide.

      Find out moreFind out more about Debit cards
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        Money Manager

        The easy way to see where your money goes.

        See how it worksSee how Money Manager works
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          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.


          Net rate is the contractual rate of interest payable after the deduction of income tax at the rate specified by law (currently 20%).

          Save the Change®

          Save a few pennies every time you spend with your Lloyds Bank Visa debit card, into your own savings account or nominate a family member's account.

          Find out moreFind out more about Save the Change®