Our accounts come with the following great features

  • Contactless and mobile payments - get a VISA debit contactless card and use Apple or Google Pay to make mobile payments.
  • Mobile Banking app and Internet Banking - both highly secure and packed with features to make banking fast and convenient, wherever you are.
  • Mobile alerts - to help you keep track of your money.
  • Overdraft facility available - all overdrafts are subject to our assessment of your circumstances, and are repayable on demand.
  • Get up to 15% cashback - earn cashback with Everyday Offers when you pay by credit/debit card or Direct Debit with selected retailers. Merchant offers and cashback amounts vary. Internet Banking registration required. T&Cs apply.
  • Save the Change® - round your card payments up to the nearest pound to save as you spend.

Choose the best current account for you

From no frills, everyday banking, to accounts packed with extra benefits for a monthly fee - we've got the right account for you.

Classic account

Free everyday banking

  • No monthly fee for maintaining the account
Classic account

Club Lloyds account

No fee, or £3 a month

  • There’s a £3 monthly fee for maintaining the account, but we’ll refund this every month in which you pay in £1,500 or more
  • Earn interest on your money - on balances up to £5,000,  when you pay out two different Direct Debits each month
  • Choose a yearly benefit from:
    • a Gourmet Society membership
    • 6 cinema tickets
    • a magazine subscription
    • 12 digital movie rentals
Club Lloyds account

Platinum account

£21 per month

  • £21 monthly fee for maintaining the account
  • Worldwide multi-trip family travel insurance
  • Mobile phone insurance
  • AA breakdown cover
Platinum account

Get the best of both Club Lloyds and Platinum Accounts

Club Lloyds Platinum account

£21 per month
+
No Club Lloyds fee, or £3 per month

  • £21 monthly fee for maintaining the account
  • £3 monthly Club Lloyds fee, but we’ll refund this every month in which you pay in £1,500 or more.
  • Earn interest on your money - on balances up to £5,000, when you pay out two different Direct Debits each month
  • Choose a Club Lloyds benefit each year
  • AA breakdown cover
  • Mobile phone insurance
  • Worldwide multi-trip family travel insurance

 

 

Youth and student accounts

Whether you're a full-time student or looking for your child's first account, we've got a range of youth and student accounts for you. View all youth and student accounts.

Smart Start

Our current account and savings account for 11 to 15 year olds.

  • Contactless debit card
  • Mobile Banking app
  • Parental oversight of account
Smart Start

Under 19s Account

Everyday banking allowing children and teens to make the most of their money.

  • Contactless debit card
  • Mobile Banking app
  • Credit Interest
Under 19s Account

Student Account

An account that helps keep on top of your finances so you can focus on your studies.

  • Contactless debit card
  • Mobile Banking app
  • Overdraft facility available*

* All overdrafts are subject to our assessment of your circumstances, and are repayable on demand.

Student Account

Set up the Mobile Banking app

Everyday banking on the go where you can:

  • View account statement and search transactions
  • View card details- instantly view your card information and use it for online shopping
  • Report a card as lost or stolen or temporarily freeze it
  • View pin
  • Log on securely using fingerprint or Face ID with a compatible device

Switching current accounts

Switching to a current account with Lloyds is simple and secure:

  • Use the Current Account Switching Service
  • You can transfer everything in seven working days
  • You choose a switch date that suits you
  • Important payments like Direct Debits, salary and standing orders are moved over
  • Over 99% of UK current accounts are covered by the Current Account Switch Guarantee
  • Every bank and building society follows the same process
  • If anything goes wrong, we will refund any interest or charges on your old or new account as a result

Current Account Switch Guarantee

Existing current account customer?

If you would like to know more about managing your account or want to upgrade your existing account there is information on this and much more below.

Manage your account

Joint accounts

Self service online

Upgrade now

Help and 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 August 2021

As part of a regulatory requirement, an independent survey was conducted to ask approximately 1,000 customers of each of the 17 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

Overall service quality - 1st Monzo - 83%
Overall service quality - 2nd first direct - 81%
Overall service quality - 2nd Starling Bank - 81%
Overall service quality - 4th Metro Bank - 74%
Overall service quality - 5th Nationwide - 68%
Overall service quality - 6th Lloyds Bank - 65%

View the full set of results

The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found here.

Financial Services Compensation Scheme

Your money is protected by the FSCS

Apple Pay is a trademark of Apple Inc., registered in the US and other countries.

Android Pay is a trademark of Google Inc

The Mobile Banking app is available to Internet Banking customers with a UK personal account and valid registered phone number. Our app is available on devices running iOS or Android. (the app is not compatible with some older versions of the operating systems – check the App Store or Google Play for more details). Our app does not work on jailbroken or rooted devices. Device registration required. Terms and conditions apply. Mobile Banking services may be affected by phone signal.