The person you open the Joint Savings account with or add to your existing savings account must be:
Download and complete a joint savings account form and take it into your nearest branch. Booking an appointment is recommended as the process will take around 20-30 minutes.
0845 3 000 000
AER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts.
Net rate is the rate of interest payable after allowing for the deduction of income tax at the rate specified by law (currently 20%).
Gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law (currently 20%).
Tax-free is the contractual rate of interest payable where interest is exempt from income tax.
Download a joint savings account form and take it into your nearest branch. Booking an appointment is recommended as the process will take around 20-30 minutes.
0845 3 000 000
...tax-free saving? With a cash ISA you won’t pay any tax on the interest your savings earn.
We have a wide range of savings accounts to help you reach your goals.
Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority except for lending where we are licensed by The Office of Fair Trading. 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.
If your non savings income is less than your personal allowance you may qualify for the 10% savings tax rate, we will still pay your interest net of tax (with income tax taken off - currently 20%). If you think that this may apply to you, you should complete HMRC form R40, available on HMRC website or your tax office.
Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065.
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