Cash Account

Lloyds Bank Current AccountBasic Account

Our Basic Account is available to anyone applying for one of our accounts from an EU country outside the UK, and to UK residents who aren’t eligible for one of our other current accounts.


Features and benefits

  • Free everyday banking

    You don’t have to pay monthly fees, or charges if you accidentally go overdrawn.

  • Visa debit card

    Use your Visa debit card in more than 500,000 locations in the UK and 27 million worldwide. You can withdraw cash from any CashPoint® or other cash machines.

  • Access to a range of services

    Bank your way with the Mobile Banking app, Internet Banking, Telephone Banking, in branch, and also get free Text Alerts.

Keep in mind

  • Eligibility of EU residents and UK customers

    You may be able to get a Basic Account if you don’t meet the conditions for one of our other current accounts such as a Classic Account. This might be because you’re bankrupt, in financial difficulty, or if we’re not able to obtain information about your credit history (for example, because you live outside the UK).

  • If you live in the UK

    You cannot apply for a Basic account directly. If you apply for one of our other current accounts, we will try to obtain information about your credit history to decide the most appropriate account for you.

  • If you live in another EU country

    To find out more about applying for a Basic Account from another EU country, go to Applying from another EU country outside the UK.

  • This account doesn't include:

    An overdraft, a chequebook, a contactless debit card or credit interest on your balance.


Debit card

Services that come with this account

Debit card

You can withdraw up to £500 a day from a Lloyds Bank Cashpoint or other cash machines. You can use your Visa debit card in over 500,000 locations in the UK and 27 million worldwide.

More about debit cards

Banking your way

Banking your way

Quick, easy ways other than in branch to manage your money 24 hours a day, 7 days a week, online or on the phone with Internet Banking, PhoneBank® and Mobile Banking.

More about ways to bank

Text Alerts

Text Alerts

Sign up for our Text Alerts, which can help you keep track of your finances. Limit Alerts tell you if you're near to or over your account limit. You can also get Balance Alerts that let you know when your balance is above or below a level set by you.

More about Text Alerts

Money Manager

Money Manager

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

More about Money Manager

Joint account

Joint account

Add a second person to your account. It’s a convenient way to share outgoings such as household bills, shopping and mortgage/rent payments or budget for holidays and special purchases.

More about joint accounts

Mobile app

Mobile Banking app

Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile.

Personal UK Internet Banking customers only. Terms and Conditions apply.

More about the Mobile Banking app


Switching made easy

Switching with us

We can move your current account to a Lloyds Bank Basic Account in just seven working days. Your standing orders and Direct Debits will be automatically transferred to your new account. All you have to do is let us know the date you want to be switched and provide details of the account you want to switch from.

Current accounts and services are offered subject to your status. They are available only to personal customers who are aged over 18, are resident in the UK, and are either an EU national or have permission to stay in the UK for at least 12 months.

Read full CASS guidelines (PDF)


Find out how to switch


In branch

Pop into any Lloyds Bank branch and our staff will be happy to help.

Find your nearest branch


By phone

For information about applying for a Basic Account, call us on 0345 300 0000.

Lines are open 24/7.

Internet Banking

Ways to apply


The Basic Account is only available if you’ve unsuccessfully applied for another current account. Apply for one of our other current accounts, like the Classic Account online and if you’re unsuccessful we can usually offer you a Basic Account without needing to reapply.

Existing customers who have become insolvent (e.g. bankrupt, or have entered into a voluntary agreement to prevent being declared bankrupt), please visit your nearest branch or call us on 0345 300 0000.

Applying from an EU country outside of the UK

To apply for a Lloyds Bank Basic Account you must be 18 or older and be legally resident in the European Union (EU). If you already have a current account with another UK bank, you’ll need to switch when we open your Lloyds Bank Basic Account.

Before we open your account we need to see proof of your identity and EU address.

To complete your application, we will require original documents sent by post, which will be returned to you securely in due course. We don’t accept expired documents or documents printed off the internet.

Identity documents you can send by post:

  • current passport
  • EU/EEA photo driving licence
  • EU/EEA photo identity card
  • other documents can be accepted if presented in person in one of our UK branches.

If you have a non EU/EEA passport, we will also need proof of EU residency with your passport.

Customers from outside the UK

Apply here

Customers living in the UK or recently moved to the UK

View Available Accounts

Useful phone numbers

These lines are available 24/7.

Switch your account to us within seven days

Switch Guarantee

Financial Services Compensation Scheme

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