Instant Access Account

Save without limiting your cash flow and with the reassurance that funds are available.

Key features and benefits

  • Earn interest on your funds from account opening
  • Instant access to funds
  • Open an account with as little as £1
  • Interest is calculated daily and paid monthly
  • No penalties for withdrawing funds

Apply now

You can apply online if you have access to Online for Business.

Other ways to apply

Log on and applyapply online securely
  • Customers with a turnover below £3m

    If you are new to Lloyds Bank and want to open an Instant Access Account, please call 0800 056 0056.

    If you’re an existing customer without access to Online for Business, please call 0345 072 5555.

    Customers with a turnover above £3m

    If you are new to Lloyds Bank or you’re an existing customer without access to Online for Business, please call 0345 600 6391.

Is my business eligible?

To apply for an Instant Access Account, you should:

  • Require the Account for business use
  • Be a sole trader, partner or director
  • Be aged 18 or over

What we’d need to know

To apply for an Instant Access Account, we need to know:

  • Your business contact details
  • The amount you want to deposit
  • The savings account that suits your needs.

Savings strategy tool

Our tool can make your money work harder by matching your cash forecasts against our savings products, helping you create a savings strategy bespoke to your needs.

Get your savings strategy

Apply now

  • Enter your login details, which will take you to the Online for Business Homepage
  • Select ‘Savings & Deposits’ in the left hand ‘Our Products and Services’ menu
  • Select ‘Apply for an Instant Access Business Savings Account’
Log on and applyapply online securely

Talk to one of our specialists

If your business turnover is between £0-3m, please call
0345 072 5555

If your business turnover is between £3-25m, please call
0345 600 6391

Financial Services Compensation Scheme

 

Due to FSCS eligibility criteria not all business customers will be covered.

Find out more

The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.

Important Legal Information

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.

Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.

We adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.