Silver Account

Silver Account at a glance

  • Classic Account customers can upgrade to a Silver Account for the monthly fee of £9.95
  • AXA European and UK Travel Insurance  – up to 65 years of age. Cover for you and your partner for up to 45 days per trip.*
  • AA Breakdown Cover – UK Roadside Assistance whether you’re in your own vehicle or someone else’s.
  • Mobile phone insurance from LSG – Covers for loss, theft, accidental damage, water damage and breakdown.
  • £50 interest and fee free overdraft subject to application and approval
  • Sentinel® Card Protection – convenient cover for your credit, debit and store cards. One policy covers everyone in your household.
  • Switching your current account to us? We make the move as easy as possible. How we make switching easy.
  • Buying foreign currency You will no  longer be charged by us for using your Lloyds Bank Visa Debit Card to buy foreign currency from other providers in the UK.

About the Silver 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 BankingPhoneBank® 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.
  • £50 interest and fee free Planned Overdraft subject to application and approval
  • Buying foreign currency. You will no longer be charged by us for using your Lloyds Bank Visa Debit Card to buy foreign currency from other providers in the UK.

AXA European and UK Travel Insurance

  • European Travel Insurance up to 65 years of age for you and your partner for up to 45 days per trip – No limit on the number of trips each year.
  • 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 worldwide 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 Silver Membership Services on  08456 031 839.
  • Full details and exclusions.

If you are abroad and in need of assistance, then please contact our 24 hour assistance helpline +44 1633 815 819.

Making a claim - All you need to do is call Silver Membership Services on 08456 031 839.

AA Breakdown Cover  

  • Roadside Assistance – Assistance at the roadside if you are broken down more than a quarter of a mile from home. If your car can’t be fixed at the roadside, you’ll be taken to the AA’s choice of relevant local repairer or 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 316 3563 or talk to Silver Membership Services on 08456 031 839.
  • Full details and exclusions.

If you breakdown on the road, call the AA direct on 0800 316 0096.

Mobile Phone Insurance

Your insurance, administered by Lifestyle Services Group Limited (LSG) and underwritten by Assurant General Insurance Limited, covers one phone for sole Silver 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 details and exclusions.

Registering for Mobile Phone Insurance is recommended as it will simplify the claims process. Call Silver Membership Services on 08456 031 839 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 Silver Membership Services on 08456 031 839 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.

Save The Change®

Put away the pennies every time you spend.

Debit cards

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

Money Manager

Keep track of your spending and see at a glance where your money goes with our free Internet Banking service.

Upgrading your account

If you already have an account with Lloyds Bank and you’re registered for Internet Banking, you can apply to upgrade online- just log on to Internet Banking.


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.

Ways to Upgrade

Existing customers

If you’re already registered with Internet Banking

    Opening a secondary account
    You can apply for a secondary Classic  Account in Internet Banking.

      Why not try...

      Looking for extra benefits and features like AXA worldwide Travel insurance? Upgrade to our Platinum Account.

      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®