Current Accounts
Access your money when you need it, with the tools to help you stay on top of your finances, giving you the freedom to concentrate on more important things.
Choose one of our featured accounts
Classic account
- Earn up to 15% cashback at selected retailers5
- Contactless payments
- Access to our highly-rated banking app
- Overdraft facility available1
- Monthly fee for maintaining the account - Free
Club Lloyds account
- Earn up to 15% cashback at selected retailers5
- Contactless payments
- Access to our highly-rated banking app
- Earn variable credit interest4
- Choose a lifestyle benefit each year2
- Overdraft facility available1
- Monthly fee for maintaining the account - Free3 or £3
Platinum account
- Earn up to 15% cashback at selected retailers5
- Contactless payments
- Access to our highly-rated banking app
- Worldwide Travel Insurance
- Mobile Phone Insurance
- AA Breakdown Cover
- Overdraft facility available1
- Monthly fee for maintaining the account - £21
Club Lloyds Platinum account
- Earn up to 15% cashback at selected retailers5
- Contactless payments
- Access to our highly-rated banking app
- Worldwide Travel Insurance
- Mobile Phone Insurance
- AA Breakdown Cover
- Earn variable credit interest4
- Choose a lifestyle benefit each year2
- Overdraft facility available1
- Monthly fee for maintaining the account - £21 + free3 or £3
1 All overdrafts are subject to our assessment of your circumstances, and are repayable on demand.
Club Lloyds Account
2 Each year, you can choose either 12 digital movie rentals, an annual digital Gourmet Society membership, 6 cinema tickets, or an annual magazine subscription.
3 We'll waive the £3 monthly maintaining the account fee in any month you pay in £1,500 or more.
4 Earn monthly credit interest of 1.00% AERAnnual Equivalent RateAER means Annual Equivalent Rate. This illustrates what the interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers. (0.99% grossGross RateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a.) variable on balances from £1 up to and including £3,999.99, and 2.00% AERAnnual Equivalent RateAER means Annual Equivalent Rate. This illustrates what the interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers. (1.98% grossGross RateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a.) variable on any part of the balance from £4,000 up to and including £5,000. You won’t earn interest on any part of your balance over £5,000. Just pay out two different direct debits each calendar month.
From 1 October 2020, the variable rates of interest you can earn on credit balances are changing. The current interest rate of 1.00% AERAnnual Equivalent RateAER means Annual Equivalent Rate. This illustrates what the interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers. (0.99% grossGross RateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a.), payable on balances from £1 to £3,999.99, is changing to 0.60% AERAnnual Equivalent RateAER means Annual Equivalent Rate. This illustrates what the interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers./grossGross RateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. The current rate of 2.00% AERAnnual Equivalent RateAER means Annual Equivalent Rate. This illustrates what the interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers. (1.98% grossGross RateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a.) payable on the part of any balance from £4,000 up to and including £5,000, is changing to 1.50% AERAnnual Equivalent RateAER means Annual Equivalent Rate. This illustrates what the interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers. (1.49% grossGross RateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a.). Full details can be found in the Guide to Changes (PDF).
5 Get up to 15% cashback when using your Visa Debit Card at selected retailers. Merchant offers and cashback amounts vary. Internet Banking registration required. T&Cs apply.
Switch in seven days
Switch your account to us within seven working days
Help & Guidance
Contact us
Lost or stolen cards
0800 096 9779
(+44 1702 278 270 from outside the UK)
Contact us
0345 300 0000
(+44 1733 347 007 from outside the UK)
These lines are available 24/7
Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an adviser for more information.
Independent service quality survey results
Personal Current Accounts
Published February 2020
As part of a regulatory requirement, an independent survey was conducted to ask approximately 865 customers of each of the 16 largest personal current account providers if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.
Overall service quality
We asked customers how likely they would be to recommend their personal current account provider to friends and family.
Ranking
The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found here.
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