Classic Account


The everyday current account for everyday banking


Features and benefits

  • Free everyday banking

    Stay in credit and you won’t have to pay monthly fees. Bank your way with the Mobile Banking app, Internet Banking , Telephone Banking,  in branch, and also get free Text Alerts.

  • Cash withdrawals

    Withdraw up to £500 a day from any Lloyds Bank Cashpoint® or other cash machines.

  • Planned Overdraft

    You can apply for a Planned Overdraft where up to the first £25 is interest and fee-free.

Switching to us is now faster and more convenient with the Current Account Switch Service. Find out more about the benefits of switching to us.

Keep in mind

  • Planned Overdrafts

    All Planned Overdraft applications are subject to approval after our assessment of your circumstances.

Representative example
For a Planned Overdraft of £1,200, the interest rate on the first £25 is 0% EARCloseEquivalent Annual RateThe Equivalent Annual Rate (EAR) is used for overdrafts. It shows the effect of interest accruing on interest, in a situation where no repayments to the borrowing are made in a year. This allows you to compare rates across different organisations. The calculation does not include fees or other charges which are quoted separately. variable. On the next £1,175 the interest rate is 19.89% EAR variable, with a monthly overdraft usage fee of £6.


Planned overdraft

Planned Overdraft

  • Setting up a Planned Overdraft is free.
  • You'll only pay overdraft fees and interest if you use it.
  • You can apply for a Planned Overdraft, where up to the first £25 is interest and fee-free.
  • All overdrafts are subject to our assessment of your circumstances and are repayable on demand.

More about personal overdrafts



Stay in control of your account. For £10 a month, Control stops your Classic Account from incurring Returned Item Fees, and prevents your account from going into an Unplanned Overdraft.

More about Control

Use the Lloyds Bank Eligibility Checker to find out how likely you are to be accepted for a Lloyds Bank current account and overdraft without affecting your credit profile.

This should take no more than 1-2 minutes to complete.

Check My Eligibility

Services that come with this account

Debit card

Services that come with Added Value Accounts

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

Everyday offers

Everyday Offers

Get up to 15% cashback using Everyday Offers at the type of places you regularly shop. It’s available to UK personal current account customers over 18, who bank online. Retailer offers and cashback amounts may vary.

More about Everyday Offers

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

Save The Change

Save the Change®

Register for Save the Change and make saving easy. When you buy something with your Lloyds Bank Visa debit card (and your account is in credit), the amount can be rounded up to the nearest pound, and the difference transferred to an eligible Lloyds Bank savings account.

More about Save the Change

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 Classic 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.

Current Account Switch GuaranteeCurrent Account Switch Service logo


We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

  • The service is free to use and you can choose and agree your switch date with us.
  • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
  • If you have money in your old account, we will transfer it to your new account on your switch date.
  • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
  • If there are any issues in making the switch, we will contact you before your switch date.
  • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.




Upgrade your current account

If you already have a Classic Account with us, you may be interested in upgrading to Club Lloyds or one of our Added Value Accounts. Log on to Internet Banking to see upgrade options available to you.

Log on to upgrade

Internet Banking


Fill in our simple online application form. We’ll just need a few bits of information, and you’ll need to be aged 18 years or over.

Apply for a Classic Account online


By phone

Call us on 0800 015 4000

Lines are open Monday - Friday 8am - 10pm, Saturday and Sunday 8am - 6pm.

In branch

In branch

Pop into any Lloyds Bank branch and our staff will be happy to help. In busier periods when staff may not be immediately available, we’ll be happy to book an appointment for a later date. You can also call 0345 300 0000 (+44 1733 347 007 from outside the UK) to book an appointment in advance. Lines are open 24 hours a day, 7 days a week.

If you aren’t an existing Lloyds Bank current account holder, you’ll need to bring:

Find your nearest branch

You can apply for a Lloyds Bank Classic Account if:
  • you’re aged 18 or older

ClockThe application process typically takes about 10 mins Apply now

With so much choice, take a look at our other current accounts to see which account suits you best.
Compare accounts now

Switch your account to us within seven days

Switch Guarantee

Useful phone numbers

These lines are available 24/7.

Financial Services Compensation Scheme

FSCS logo