Premier Account (no longer available)

The Premier Account is no longer available for new customers. The price of a Premier Account for existing customers is £25 a month.

Premier Account at a glance

  • AXA Worldwide and UK Travel Insurance - up to 80 years of age. Cover for you and your partner for up to 62 days per trip, including both family and winter sports cover*.
  • AA Breakdown Cover - UK Roadside Assistance whether you’re in your own vehicle or someone else’s. Includes Relay, Home Start and Stay Mobile.
  • Mobile Phone Insurance from LSG - covers for loss, theft, accidental damage, water damage and breakdown
  • AA Home Emergency Cover - fast, professional help for home emergencies.
  • £500 interest and fee free Planned Overdraft subject to application and approval.
  • ID Aware - helps you manage and monitor your credit profile and spot the early warning signs of identity theft.
  • Sentinel® card protection - convenient cover for your credit, debit and store cards. One policy covers everyone in your household.

About the Premier 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.
  • £500 interest and fee free overdraft subject to application and approval.

AXA Worldwide Travel Insurance

  • Up to 80 years of age.
  • 62 consecutive days maximum trip duration (31 days for winter sports in any 12 month period).
  • 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).
  • Family and winter sports cover at no extra charge.
  • Go to to manage your cover more easily from wherever you are, or register a claim at a time that suits you. Alternatively call Premier membership Services on 0845 6040440.


Making a claim - All you need to do is call Premier Membership Services on 08456 040440.

AA Breakdown Cover  

  • Roadside Assistance - Assistance at the roadside if you are broken down more than a quarter of a mile from home. Tow to a local garage for you, your vehicle and up to seven passengers if the AA is unable to fix your vehicle at the roadside.
  • 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.
  • Home Start - assistance at or within 1/4 mile of your home address
  • Relay - transport for you, your car and up to seven passengers to your home or any other (single) UK destination, if we can't arrange a prompt local repair.
  • Stay Mobile - If you break down away from your home and a prompt repair is not possible, you’ll get either a replacement hire car for up to 72 hours, overnight accommodation, or reasonable onward travel expenses.
  • Full details and exclusions

If you breakdown on the road, call the AA direct on 0800 0320371.

Mobile Phone Insurance

Your insurance, administered by Lifestyle Services Group Limited (LSG) and underwritten by Assurant General Insurance Limited, covers two phone for sole Premier Account holders, while joint account holders can insure three phones.

  • Covers phones up to a maximum value of £2000 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).
  • Cover for unauthorised calls made on a lost or stolen phone up to a value of £1,500 (including VAT) if you have an airtime contract and £450 (including VAT) if you have Pay As You Go.
  • Full details and exclusions

Registering for Mobile Phone Insurance is recommended as it will simplify the claims process. Call Premium Membership Services on 08456 040440.

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 Premium Membership Services on 08456 040440 or register online.

AA Home Emergency Cover

Home Emergency Cover from AA and underwritten by Acromas Insurance Company Limited - fast professional help for household emergencies.

As a Premier Account customer you get access to a 24 hour call-out service to help you sort out domestic emergencies at home.

  • 24/7 helpline
  • Use of specialist AA engineers and a network of approved tradespeople across the UK.
  • Call-outs, parts, materials and labour all covered for up to £1,000 per emergency.
  • No excess and no limit on the number of times you can call.
  • The AA will swiftly arrange for an AA engineer or a trusted partner to visit and take care of your emergency. Alternatively you can choose an appointment time that is more convenient for you.
  • New end-to-end case management.

Under our Home Emergency Cover we will arrange for reliable trades people to be sent to your home to deal with those household emergencies.

In a domestic emergency which threatens your house or health and safety please call the Home Emergency helpline within 24 hours on 0845 0700 524 24 hours a day, 7 days a week.

Full details and exclusions.


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

    Save The Change®

    Put away the pennies every time you spend.

    Find out moreFind out more about Save the Change

      Debit cards

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

      Find out moreFind out more about Debit Cards

        Money Manager

        The easy way to see where your money goes.

        See how it worksFind out how Money Manage works


          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.

          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®