Current Account Services

Depending on the current account you have, we offer a range of services to help you manage your money.

OverdraftsSee Overdrafts

An overdraft allows you to borrow up to an agreed Planned Overdraft limit when there is no money left in your account. It’s an option for short-term borrowing, for example covering you until payday.

If you do not have a Planned Overdraft set up, or you go over your Planned limit, we will treat this as a request for an Unplanned Overdraft.

There are fees and charges for Planned and Unplanned borrowing, please see the Banking Charges Guide for further details.

How it works

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ControlFind out about control

  • Take control of your spending by stopping your Club Lloyds current account or Classic Account from incurring Unplanned Overdraft fees and charges and keeping a limit on your spending
  • It's ideal if you often go over your overdraft limit and incur unexpected charges for Unplanned borrowing
  • When there's money or credit available in your Classic or Club Lloyds current account, transactions will go through as normal; however if you don't have enough funds Control will stop direct debits, standing orders, and the majority of card transactions - and you won't pay the usual Returned Item Fee
  • You can still apply for a Planned Overdraft limit, the first £25 of which is interest and fee free with the Classic Account or up to £100 in the case of a Club Lloyds current account - all Overdraft limits are subject to application and approval
  • £10 per month

How do I register for Control?

Existing customer
To add Control to your Classic Account or Club Lloyds current account simply visit your nearest branch or call us on 0845 3 000 000 (Open Mon – Fri 8am  - 8pm, Sat & Sun 9am – 5pm).

New to Lloyds Bank?
To open a Classic Account with Control simply visit your nearest branch or call us on 0800 085 9174

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Save the Change® Find out about Save the Change

Save the Change® is an easy way to save for the things you want. Every time you make a payment with your Visa debit card, the amount you spend will be rounded up to the nearest pound and the difference will be transferred into an eligible Lloyds Bank savings account.

How it works

  • You can use your own savings account or nominate a family member’s savings account
  • You can turn Save the Change® on and off whenever you like through Internet Banking
  • We’ll only make Save the Change® transfers when your current account is in credit
  • Save the Change® is available for most Lloyds Bank savings accounts except Monthly Saver, Term Deposits, Child Trust Fund, Tracker Bond, eBond and ISA accounts
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Debit cardsFind out about Debit cards

A debit card is a safe and convenient way to pay for items in person, over the phone and online. It means you don’t have to carry cash and you can use your debit card worldwide, wherever you see the Visa sign.

Benefits include:

  • Competitive exchange rates
  • Secure payment method
  • Cash withdrawals at Lloyds Bank Cashpoints® or other ATMs*
  • Up to £50 cashback at most UK supermarkets
  • Call us 24 hours a day, 7 days a week with any queries


* Cash Account Visa debit card holders can use their card to purchase at all outlets showing the Visa symbol, but can only withdraw cash using their card at Lloyds Bank, Halifax and Bank of Scotland cash machines.

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Joint accountFind out about Joint Accounts

A joint account is an account in the name of two or more people. You can either convert your existing account by adding another person to it or you can open a new joint account from scratch.

Benefits include:

  • It’s convenient for sharing outgoings like mortgage and rent payments, household bills and food shopping
  • You each get your own Visa debit card and a chequebook so you can make payments and withdraw cash
  • You can still keep your own current account and move money between accounts easily

Need help with your Joint account?

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Personal ReviewHow to get a Personal Review

This is a free, 45-minute review of your finances to make sure you’re getting the best value for money out of banking with us.

How it works

  • Meet with a Personal Banking Advisor at your local branch to review your finances and get the most out of your money
  • Find out about our new products and services that could make your life easier
  • Afterwards, we’ll give you a summary so you can think things over and make a decision in your own time

What to bring with you:

  • Mortgage statements
  • Credit card statements including rates
  • Details of any loan or finance agreements
  • Savings balances including interest rates
  • Home insurance details
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Mobile BankingFind out about Mobile Banking

Manage your money on the go with our Mobile Banking service.

How it works

  • Download the Mobile Banking app and you can pay bills, transfer funds, and even find your local branch on your phone. It’s free on the iPhone App Store, Android Market and BlackBerry App World.
  • Or use our mobile website for quick, easy banking. It’s optimised for large-screen mobiles.
  • Sign up for a whole range of Text Alerts including Limit Alerts to help you avoid Unplanned Overdraft fees.
  • You can request your balance, order a replacement PIN and more, using the text request service.
  • If you’re already registered for Internet Banking, you can get started right away using the same log on details. Log on now.
    Not registered for Internet Banking? Register now
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Money ManagerFind out about Money Manager

Keep track of your money across your Lloyds Bank personal current accounts and credit card with Money Manager.

How it works

  • See where your money is going: Money Manager breaks down your spending into meaningful categories, such as entertainment, groceries and travel
  • See your personal Lloyds Bank current accounts and cards together so you get a complete picture, or just choose one.
  • Get a snapshot of your spending with easy-to-read graphs
  • If you’re already registered for Internet Banking, just log on and click on one of the Money Manager links. Log on now
  • Not registered for Internet Banking? Register now
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