Up to 4% AER variable credit interest
Earn credit interest on your whole balance up to £5,000, if you pay two separate Direct Debits each month. If your balance is:
Having a Club Lloyds current account is free if you pay in £1,500 a month, otherwise it costs just £5 per month.
Choose your lifestyle benefit
As a Club Lloyds customer you can choose a different lifestyle benefit every year per account from:
Exclusive access to banking offers
As a Club Lloyds customer you'll get access to exclusive offers on a range of Lloyds Bank products including:
You can apply for a Planned Overdraft where up to the first £100 is interest and fee-free.
Easy to apply or upgrade
Whether you're new or you already have a current account with us, it's easy to join Club Lloyds.
Variable credit interest
If your balance is over £5,000, you'll still earn 4% AERCloseAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily./3.93% grossCloseGross rateGross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are a non-tax payer and have completed an Inland Revenue R85 form. on the first £5,000, but 0% on anything over that. You must also ensure you have at least two separate Direct Debits paid from your account each month.
If in any month you pay less than £1,500 into your account, you'll have to pay the £5 monthly fee.
All Planned Overdraft applications are subject to approval after our assessment of your circumstances, and are repayable in full on demand.
For a Planned Overdraft of £1,200, the interest rate on the first £100 is 0% EARCloseEquivalent Annual RateThis is the actual annual rate of an overdraft. It doesn't take into account other fees and charges. variable. On the next £1,100 the interest rate is 19.94% EAR variable, with a monthly overdraft usage fee of £6.
up to4 %AER (3.93% gross) variable
Earn up to 4% variable credit interest on your entire balance up to £5,000.
Earn variable tiered credit interest on balances between £1 and £5,000 when you pay at least two separate Direct Debits from your Club Lloyds current account each calendar month.
As a Club Lloyds customer you can choose a different Lifestyle Benefit every year per account
Choose 1 of the following 13 magazines to have delivered directly to your door or downloaded to your Apple device.
Apple is a registered trademark of Apple inc. registered in the U.S and other countries.
Gourmet Society membership gives you discounts at more than 6,000 restaurants around the UK and Ireland, giving you to unlimited access to offers such as:
As a Club Lloyds customer you'll get exclusive access to offers on a range of Lloyds Bank products
As a Club Lloyds customer you can take advantage of an exclusive 0.20% discount on your initial mortgage rate.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Most successful applicants will get a variable annual purchase rate of 18.94% and a variable representative 23.7% APRCloseAnnual Percentage RateAPR stands for the Annual Percentage Rate of charge. You can use it to compare different credit and loan offers. We will tell you the APR for your loan or credit card before you sign an agreement. based on borrowing £1,200 over 12 months, with an annual fee of £24. Credit limits and interest rates will vary based on your individual circumstances.
For a Planned Overdraft of £1,200, the interest rate on the first £100 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 £1,100 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 Club Lloyds current account from incurring Returned Item fees, and prevents your account from going into an Unplanned Overdraft.
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.
Whether you want to move to Lloyds Bank or you already bank with us and want to open a new Club Lloyds current account, switching is easy. Our team will do everything to ensure your switch runs smoothly, including transferring all your Direct Debits and standing orders to your new account for you.
You'll be able to switch your account to us at the end of your online application.
It should only take a few minutes to upgrade your existing Lloyds Bank current account to Club Lloyds with Internet Banking
Fill in our simple online application form. We’ll just need a few bits of information, and you need to be over 18, a resident in the UK, and either an EU national or have permission to stay in the UK for at least 12 months. All you'll need is: