Classic Account

Classic Account features...

  • Free everyday banking when you are in credit
  • £25 interest-free planned overdraft*. (Subject to application and approval)

Banking made easy...

  • Bank on the move whenever suits you with our Mobile Banking App
  • Get a Lloyds Bank Visa debit card to use online, and in more than 500,000 places in the UK and 27 million places worldwide
  • Manage your money 24/7 with Internet BankingPhoneBank® and Mobile Banking
  • Move all your payments to your Classic Lloyds account in just seven working days with The Current Account Switch Service. You'll be able to switch at the end of the online application form
Current Account Visa card

What you get with your Classic Account

  • Quick, easy ways to manage your money 24 hours a day, 7 days a week with Internet BankingPhoneBank® and Mobile Banking.
  • Access to your money at any time – we have over 1,200 branches and our ATM network is one of the largest in the UK.
  • Easy switching – we can help move Direct Debits and standing orders from your existing accounts to your Lloyds Bank current account. See how to switch.
  • 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.
  • Everyday Offers - Click, Shop and Enjoy. With Everyday Offers you can earn up to 15% cashback using offers at places you regularly shop.
  • A Visa debit card you can use online and in over 500,000 places in the UK and 27 million places worldwide.

Not sure the Classic Account is right for you?

Add a second party 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 information about Joint Accounts.


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.

Let us take the stress out of changing banks

Switching is simple and hassle free. Our dedicated switching team will take care of everything in 7 working days, including transferring all your payments and closing your old account.

You’ll be able to switch at the end of your online application.

  • contact your other bank for a list of your Direct Debits and standing orders
  • tell you when your transfer is due to complete
  • set up your standing orders and ask your service providers to start claiming your Direct Debits from your Lloyds Bank account after your transfer date
  • keep you informed of how your switch is progressing and let you know what you need to do and when
  • arrange an interest and fee-free Planned Overdraft for 3 months (subject to application and approval) *

Apply online

Just fill in our simple online application form. It takes about 10 minutes and you’ll need to have a few bits of information to hand.

On the Phone

0800 015 4000

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

In branch

Staff in our branches will be happy to help.

When you apply you will need proof of your identity and your address.

Upgrade now

If you are an existing Internet Banking current account customer, you can join Club Lloyds online.

Apply online

Applying online is easy.

If you’re not registered for Internet Banking


Account balance

The amount of money you have in your account at a particular time. Sometimes a balance 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 which has cleared and 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.


EAR is the Equivalent Annual Rate. This is the actual annual rate of an overdraft. It doesn't take into account other fees and charges.

Everyday Offers

Click, Shop and Enjoy.
As a Classic Account customer you are eligible for Everyday Offers. Log on to Internet Banking and activate.

    Fairbanking award

    Lloyds Bank have
    been awarded
    the Fairbanking
    mark for our
    Classic with
    Control Account

    Find out moreFind out more
      fairbanking logo

      Why not try…

      Classic Account customers can apply to upgrade to our Silver Account. Our Silver Account offers a great package of benefits including breakdown cover and travel 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®