Current accounts

Explore the Lloyds current account range to find a match for your needs.

Download our app and apply

Current accounts

Explore the Lloyds current account range to find a match for your needs.

Download our app and apply

Check out our most popular accounts

From everyday banking to bank accounts with added rewards, find what's right for you.

Check out our most popular accounts

From everyday banking to bank accounts with added rewards, find what's right for you.

Packaged bank accounts

Feel confident on every journey with bundled cover for your phone, travel and roadside needs.

Benefits supplied by selected third-party providers. Limits, terms & exclusions apply.

Still undecided? You can compare all our accounts.

Awarded Moneyfacts Five-Star rating

Recognised for ease of opening across our Personal Current Accounts.

MoneyFacts five star service rating, Personal Current Account easy to open 2026.

Open a current account

Join the millions of customers on our app

Joint accounts & offline applications expandable section

Do you want a joint account?

Joint bank accounts are an easy way to help 2 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.

Need another way? You can apply on the website.

Joint accounts and offline applications expandable section

Do you want a joint account?

Joint bank accounts are an easy way to help 2 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.

Let’s look at the details

What do you need to open a bank account? expandable section

You need to be aged 18 or over to open most Lloyds current accounts.

As well as some personal and financial information, you’ll also need to give some form of ID. A valid passport or UK photo driving licence would be ideal, but there are other acceptable documents.

If you're an existing Lloyds customer, you can verify your identity with your Chip and PIN bank card.

More about opening a bank account
Can I open a joint bank account? expandable section

Most Lloyds current accounts can be opened with another person, making it easier for you to manage your money together. You could do this by opening a new account or adding a second person to an existing account. Both account holders will need to be aged 18 or over.

Because a joint account creates a financial link between you and you’ll both have full access, it’s important that you only open an account with someone you trust completely.

More about joint accounts
What is a bank account number? expandable section

Your account number is a unique code that identifies your personal bank account, used to direct money in and out. This information can be found in several places, including your debit card, online account, bank statements and on printed cheques.

More about account numbers
How can I pay money into a bank account? expandable section

You can deposit money into your bank account in several ways – from online transfers, to local branches and other counter services. Just be aware that some options can take longer than others.

Explore paying in options

Protecting your money

The Financial Services Compensation Scheme (FSCS) protects up to £120,000 of the eligible money you hold with us.

More about the FSCS

Protecting your money

The Financial Services Compensation Scheme (FSCS) protects up to £120,000 of the eligible money you hold with us.

More about the FSCS

Mandated by the Financial Conduct Authority, read our personal current account Service Quality Information.

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