The everyday current account for everyday banking
Stay in credit and you won’t have to pay monthly fees. Bank your way with Internet Banking, Telephone Banking, Mobile Banking, in branch, and also get free Text Alerts.
Withdraw up to £500 a day from any Lloyds Bank Cashpoint® or other cash machines.
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.
All Planned Overdraft applications are subject to approval after our assessment of your circumstances.
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 19.94% EAR variable, with a monthly overdraft usage fee of £6.
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.
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.
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.
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.
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.
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.
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.
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.
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 hassle-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.
Fill in our simple online application form. We’ll just need a few bits of information, and you’ll need to be over 18 and a resident in the UK (and either an EU national or have permission to stay in the UK for at least 12 months).