Get the breathing space you need once you’ve completed your education
You can apply for a tiered-interest and fee-free Planned Overdraft of up to:
Get help when you're just starting out with a graduate loan of between £1,000 and £10,000 over 1-5 years. You can:
We've a range of credit cards to suit your needs and help spread the cost of spending. Our credit cards have some useful benefits. You can: get up to 56 days' interest free on purchases; choose whether to pay off the minimum amount, the whole balance, or any amount in between; and set up a monthly Direct Debit to take care of this. Take a look at our range of credit cards, with APRs between representative 6.4% APR (variable) and representative 52.1% APR (variable).
To apply for a graduate loan, a Planned Overdraft or a Lloyds Bank credit card, you must be over 18 and resident in the UK.
You will need to be a Graduate Account holder for at least three months before you can apply for a graduate loan. All graduate loan applications are subject to approval after our assessment of your circumstances.
All overdrafts are subject to our assessment of your circumstances and are repayable on demand.
The overdraft interest rate we charge on the first £1,000 will be O% 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 and a monthly overdraft usage fee will not apply. The overdraft interest rate on the next £1,000 will be 16.77% EAR variable and a monthly overdraft usage fee of £6 will apply. Based on a Planned Overdraft of £2,000 in year 3 of your Graduate Account.
From 2nd September 2016 the interest rate payable when you go over the interest and fee free amount of your Planned Overdraft or you use an Unplanned Overdraft will increase to 19.89% EAR variable on our Graduate account. The Guide to Changes provides further information, including confirmation of the current interest rates
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.
We can move your current account to a Lloyds Bank Graduate 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’re making some important changes to our bank account terms and conditions. These changes will take effect from 2nd September 2016, unless stated otherwise. Please read the Guide to Changes section of the Personal Banking terms and conditions for more detail.
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.
You’ll need to bring:
If you aren’t an existing Lloyds Bank current account holder, you’ll also need to bring: