-

Features and benefits

  • 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:

    • £4,000 to £5,000, you'll 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're a non-tax payer and have completed an Inland Revenue R85 form. on it all.
    • £2,000 to £3,999.99, you'll earn 2% AER / 1.98% gross on it all.
    • £1 to £1,999.99, you'll earn 1% AER / 1% gross on it all.

    Find out more

  • Monthly fee
    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:

    • 6 VUE cinema tickets,
    • an annual magazine subscription, or
    • annual Gourmet Society membership.

    Find out more

  • 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:

    • discounted mortgage rates,
    • preferential savings rates,
    • home insurance discounts, and
    • a credit card offer.

    Find out more

  • Planned Overdraft

    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.

    Existing customers

    New customers

Keep in mind

  • 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.

  • Monthly fee
    If in any month you pay less than £1,500 into your account, you'll have to pay the £5 monthly fee.

  • Planned Overdrafts
    All Planned Overdraft applications are subject to approval after our assessment of your circumstances, and are repayable in full on demand.

Representative example
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.

From 22 November 2015, we are making some important changes to our personal banking terms and conditions. See our Personal Banking terms and conditions (PDF) for full details.

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

Credit interest

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.

Lifestyle benefits

Club Lloyds interest rates are variable and apply to your whole balance.

Balances between AER Close Annual Equivalent Rate AER means Annual Equivalent Rate. This illustrates what the interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers. Gross Close Gross Rate Gross 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. NET Close Net rate Net rate is the rate of interest which would be payable after allowing for the deduction of income tax at the rate specified by law.

£1 - £1,999.99

1.00%

1.00%

0.80%

£2,000 - £3,999.99

2.00%

1.98%

1.59%

£4,000 - £5,000

4.00%

3.93%

3.14%

For example, if you have £4,000 in your account for one year, you'll receive an interest rate of 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. variable on your entire balance, provided you pay two separate Direct Debits from your Club Lloyds current account each calendar month.

Interest is calculated daily, and paid monthly, but will not be paid in any month you do not have two separate Direct Debits paid from your account, or on amounts over £5,000.

Lifestyle Benefits

As a Club Lloyds customer you can choose a different Lifestyle Benefit every year per account

VUE Cinema Tickets

VUE Cinema Tickets

  • 6 VUE cinema tickets to use during the year at over 80 VUE cinemas nationwide.
  • Cinema tickets can be used for standard 2D admission ticket and can also be used as part payment on non-standard admission, e.g. 3D screenings.
  • Tickets are valid for 12 months
Magazine subscription

Magazine subscription

Choose 1 of the following 13 magazines to have delivered directly to your door or downloaded to your Apple device.

  • Cosmopolitan
  • Country Living
  • Elle
  • Elle Decoration
  • Esquire
  • Good House Keeping
  • Harper's Bazaar
  • House Beautiful
  • Men's Health
  • Prima
  • Red
  • Runner's World
  • Women's Health

Apple is a registered trademark of Apple inc. registered in the U.S and other countries.

Gourmet Society membership

Dining offers

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:

  • 2 for 1 meals
  • 25% off your total bill
  • 50% off food

Please read the Lifestyle Benefits Terms and Conditions (PDF, 63 kB)

Find out more about Club Lloyds Lifestyle Benefits

Banking offers

As a Club Lloyds customer you'll get exclusive access to offers on a range of Lloyds Bank products

Club Lloyds Monthly Saver

Savings: Club Lloyds Monthly Saver

  • Earn 4.00% 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./AERCloseAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers. fixed for the first 12 months.
  • Save between £25 and £400 every month via standing order.
  • After 12 months your account will mature to an Easy Saver account, currently paying 0.50% gross/AER variable including a fixed bonus of 0.30% for the first 12 months.
  • Instant access to your account, online, by phone and in branch.
  • Representative example: If you save £200 each month, you'll earn £52.21 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. (£41.77) interest after 12 months.

Savings: Club Lloyds Saver

  • Earn 0.75% 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./AERCloseAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers. on balances of £1,500 or more – inclusive of a fixed introductory bonus of 0.55% for the first 12 months.
  • After 12 months, or if your balance is below £1,500, the variable rate without the bonus will apply. This is currently 0.20% Gross/AER.
  • Instant access to your account, online, by phone and in branch.
Mortgages

Mortgages

As a Club Lloyds customer you can take advantage of an exclusive 0.20% discount on your initial mortgage rate.

  • You must have a Club Lloyds current account open at the time of mortgage application.
  • This discount does not apply to Local Lend a Hand, Shared Equity, Shared Ownership, Negative Equity, or Buy to Let mortgages.
  • For more information use our online form to book an appointment in branch to see one of our dedicated Mortgage and Protection Advisers, or call us on 08007 83 35 34.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Home Insurance

Home Insurance

  • As a Club Lloyds customer we’ll give you a 10% discount when you take out a new combined buildings and contents policy, or upgrade from a buildings-only or contents-only policy to a combined one.
  • The Club Lloyds offer is available on Home Solutions and Home Options products and is not available via comparison sites. This offer is in addition to all other offers you may be entitled to. Minimum premiums may apply – please see the separate offer conditions for each product.
  • For more about our Home Solutions insurance visit us in branch or call us on 0800 022 4857. For Home Options insurance please log in to Internet Banking or call us on 0800 056 0122.

See more information about our Home Insurance policies

Credit cards

Credit cards

  • As a Club Lloyds customer, when you open a Lloyds Bank Choice Rewards Credit Card Account we’ll refund £12 of the £24 Choice Rewards annual card fee.
  • If you're an existing Choice Rewards Credit Card Account customer, you'll receive this refund if you hold a Club Lloyds current account when your next annual fee is charged. Conditions apply.
  • Choice Rewards allows you to collect Choice points almost anywhere you go and use your points to get cashback, shopping vouchers, travel rewards and magazine subscriptions.
  • For more information about this offer and the offer conditions, see our Choice Rewards Credit Card Account page. For other credit cards that may be available to you, see our range of credit cards, ask in your local Lloyds Bank branch, or call us on 0345 606 2172.

Representative example:
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.

Planned Overdraft

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 £100 is interest and fee-free.
  • All overdrafts are subject to our assessment of your circumstances and are repayable on demand.

Representative example:
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.

More about Personal Overdrafts

Control

Control

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.

More about Control

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

Switch to us

Switch to Lloyds Bank

As a Lloyds Bank customer, you’ll have access to a fantastic combination of services and banking on the move

  • Banking on the move with our award-winning Mobile Banking App, winner of the 2014 World Innovation Awards for Innovation in the delivery of financial products (Mobile).
  • Banking your way 24/7 with Internet and Telephone Banking.
  • A contactless Visa debit card you can withdraw up to £500 a day at a Lloyds Bank Cashpoint or other cash machines.
  • Access to one of the biggest banking networks in the UK.
  • Get up to 15% cashback with Everyday Offers through Internet Banking.
  • Keep track of your money, wherever you are with Text Alerts.

Switch your current account to us in just 7 working days, using our hassle-free process

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.

Here's how the process works

  • Day 1
    The switching begins
    We make contact with your old bank to arrange the switch.
  • Day 2
    We’ll let you know your old bank has received your request. We then start transferring your payments to your new Lloyds Bank account.
  • Day 3-5
    It’ll take a couple of days to switch over your payment arrangements, and make sure your Lloyds Bank account is ready to go for the switch date.
  • Day 6
    If you’re clearing a debit balance at your old account, you’ll need to make sure there are enough funds in your Lloyds Bank account to cover the transfer.
  • Day 7
    Congratulations, your switch is complete. Your balance is transferred and your old account is closed.
  • After you switch
    For 13 months after your switch, payments sent to or requested from your old account will be redirected to your new account.

Find out how to switch

Apply as an existing current account customer

It should only take a few minutes to upgrade your existing Lloyds Bank current account to Club Lloyds with Internet Banking

Upgrade your existing Lloyds Bank current account to Club Lloyds

  • It's quick and easy to upgrade to Club Lloyds current account if you're already registered with Internet Banking.
  • You'll keep your existing sort code and account number.
  • If you're upgrading an Added Value Account you'll retain your insurance benefits.
  • If your account has a planned overdraft limit, this will be retained.

Upgrade to Club Lloyds online

In branch

In branch

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

Find your nearest branch

Contact us by phone

By phone

Call us on 0800 015 4000

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

Online

Apply as a new customer

Online

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:

  • address details for the last three years
  • details of your pensions, benefits, income and savings
  • employer's name and address

Apply for Club Lloyds online

Eligibility Checker

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

In branch

In branch

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

Find your nearest branch

Contact us by phone

By phone

Call us on 0800 015 4000

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

You can apply or upgrade to Club Lloyds if:
  • you’re aged 18 or older
  • you’re a resident in the UK
  • you’re an EU national, or have permission to stay in the UK for at least 12 months

Existing current account customer? Upgrade through Internet Banking Upgrade now

New customer? It's easy to apply online Apply now

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

Compare accounts now

 

Important legal information

Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Authorisation can be checked on the Financial Services Register at www.fca.org.uk. Lloyds Bank plc is a member of the Financial Services Compensation Scheme and the Financial Ombudsman Service. We subscribe to the Lending Code; copies of the code can be obtained from www.lendingstandardsboard.org.uk.

Lloyds Bank plc registered office:
25 Gresham Street,
London EC2V 7HN.
Registered in England and Wales No. 2065.

We may monitor or record telephone calls to check we have carried out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff.

Account opening is subject to our assessment of your circumstances. You must be 18 or over to apply.

Overdrafts are repayable in full on demand. View Planned Overdraft borrowing interest rates.

To be eligible for the switcher interest and fee-free offer you must be accepted for a Planned Overdraft on your Lloyds Bank account, have not had the offer in the last 12 months on your account, and complete a switcher application to switch your account to Lloyds Bank.

PhoneBank® is a registered trademark of Lloyds Bank plc.

Cashpoint is a registered trademark of Lloyds Bank plc.

Save the Change® is a registered trademark of Lloyds Bank plc.

Money Manager is provided to help you manage your personal finances and is not intended to provide legal, tax or financial advice. Terms and conditions apply.

You need to register for Internet Banking, PhoneBank® and Mobile Banking. Terms and conditions apply.

We don't charge you to use Mobile Banking, but your mobile operator may charge for some services, so please check this with them.