How to open a bank account
You can open a Lloyds current account online. If you can’t open an account online and need your first bank account, some of our accounts can be set up in branch or over the phone.
Opening a current account online
You can apply online using the Lloyds app. Existing customers can also apply using online banking.
- Answer a few simple questions about how you plan to use your current account. For example, this might become your main account or a second one for managing bills.
- Confirm some personal information, including your name, address, contact details and whether you rent or own your home.
- Provide your employment and income details, including information about your salary, savings and regular outgoings.
You’ll receive confirmation once your new bank account is open.
Acceptance is subject to an assessment of your circumstances.
This guide describes the basic information most banks will ask for when you apply to open a current account. You could be asked for additional information, for regulatory reasons.
What you’ll need to open a bank account
You need to be aged 18 or over to open most Lloyds current accounts.
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We'll need to carry out identification and verification checks on you, and anyone else authorised to operate your account.
Usually, you'll only need to show a valid passport or UK photo driving licence.
If you're an existing customer, you can verify your identity with your chip and PIN bank card.
If you can’t show 1 of these items, refer to our full list of proof of identity documents.If you don't have any of the listed items, or don’t have a fixed address, contact us or visit a branch for support.
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Title
For example, Mr, Mrs, Ms, Mx.Full name
As well as any previous names.Date of birth
Gender
Marital status
Nationality
Including any dual nationalities and immigration status for non-UK nationals.Country of birth
Tax residence
If you’re a tax resident in multiple countries, or have been within the last 2 years, we’ll need the Tax Identification Number (TIN) for each non-UK tax residency. -
Current home address
Including your postcode.Resident status
Renting or homeowner?Length of residence
If you’ve lived at your current address for less than 3 years, you’ll also need to provide previous address details.BFPO (British Forces Post Office) addresses
We’ll need the Service Number, Rank, Unit, Regiment, Operation Name (if applicable) and BFPO Number. -
Main phone number
Any other phone numbers
Email address
Marketing preferences
Tell us if you’d like to receive marketing communications either by email, text message, post or by phone. -
Your total monthly income after tax
Your total amount of savings
Will your monthly income be paid into this account?
How will you fund or use the account?
For example, by bank transfer, cash or cheque.Employment status
Including your occupation, name of employer and start date.Self-employed status
Including your occupation, company or organisation name and start date. -
What arranged overdraft limit would you like?
How many people live with you or depend on you financially?
What’s your monthly share of mortgage or rent payments?
What do you spend each month on childcare, maintenance and education?
Are you aware of any imminent changes in your circumstances?
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Do you already have travel insurance or another packaged bank account?
Do you need worldwide travel insurance?
Are all account holders and family members below 80 years old and are all children under 18 years old?
Do you need mobile phone insurance?
Do you need AA breakdown cover?
You can apply for a packaged account online.
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Do you want to switch?
Is this a sole account switch?
Existing bank details - including:
- sort code
- account number
- name of account holder
- 16-digit debit card number and expiry date.
Do you have an existing overdraft? If yes, do you plan to settle this first?
Do you want text message updates about your switch?
Do you have a switch date?
New to Lloyds
Scan the QR code to apply.
For the best experience apply in minutes using our mobile app.
If you have a UK passport or UK driving licence and don’t fancy using the app, you can apply for an account on our website.
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Do you want a joint account?
Joint bank accounts are an easy way to help two people manage money. See joint accounts.
Do you want to apply offline?
If you are unable to apply online, you can apply for your first Classic account by booking an appointment at your nearest branch, or by calling us.
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Joint accounts
A joint bank account could help 2 people to manage their money together.
Switch to Lloyds
Switching is simple, reliable and stress-free with the Current Account Switching Service.
Overdrafts
An arranged overdraft could give you access to short-term borrowing when you need it.
