Our accounts at a glance

Classic Free everyday banking

Club Lloyds Earn credit interest and a yearly lifestyle benefit

Silver Added benefits including European travel and mobile insurance as well as breakdown cover with Roadside Assistance

Club Lloyds Silver Get the best of both Club Lloyds and Silver

Platinum Packed with benefits including Worldwide travel and mobile insurance as well as breakdown cover with National Recovery

Club Lloyds Platinum Get the best of both Club Lloyds and Platinum

Youth and student Accounts from age 11

Joint accounts A shared bank account for two people

Existing current account customer?

Manage your account Find out how to manage your account, from reporting a card lost or stolen to things you can do online

Upgrade now Want to upgrade your existing account? Why not take a look at the other accounts we offer

Change account Change an existing current account with us by logging in

Help and guidance Useful guides on how to use our secure Mobile Banking app and Internet Banking services

Choose the best current account for you

Classic

Free everyday banking when you stay in credit.

  • Contactless debit card
  • Mobile Banking app
  • Get up to 15% cashback - earn cashback with Everyday Offers when you pay by credit/debit card or Direct Debit with selected retailers*
  • Overdraft facility available**

* Merchant offers and cashback amounts vary. Internet Banking registration required. T&Cs apply.

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

Classic

Club Lloyds

£3 monthly fee to maintain the account, waived each month that you pay in £1,500 or more.

  • Everything you get with the Classic account
  • Earn credit 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

Silver Account

£10 monthly fee to maintain the account

  • Everything you get with the Classic account
  • European and UK multi-trip family travel insurance up to age 65
  • AA Breakdown Family Cover with Roadside Assistance
  • Mobile phone insurance

Silver

 

Club Lloyds Silver

£10 monthly fee to maintain the account, plus a £3 monthly Club Lloyds fee. The £3 Club Lloyds fee is waived each month that you pay in £1,500 or more.

  • Everything you get with the Classic, Club Lloyds and Silver accounts
Club Lloyds Silver

Platinum

£21 monthly fee to maintain the account.

  • Everything you get with the Classic account
  • Worldwide multi-trip family travel insurance up to age 80
  • AA Breakdown Family Cover with Roadside Assistance, National Recovery and At Home
  • Mobile phone insurance

Platinum

 

Club Lloyds Platinum

£21 monthly fee to maintain the account, plus a £3 monthly Club Lloyds fee. The £3 Club Lloyds fee is waived each month that you pay in £1,500 or more.

  • Everything you get with the Classic, Club Lloyds and Platinum accounts
Club Lloyds Platinum

Benefits are supplied by a third party provider

Youth and student accounts

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

Joint accounts

You have two options when you are looking to apply to open a joint account:

  • One of you can get the process started by opening an account online. You will then need to book an appointment in branch and both attend to make this a joint account.
  • Both of you can open your joint account from start to finish at one of our branches.

For either option, we recommend booking an appointment at your local branch.

Learn more about joint accounts

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

     

Step by step guide to setting up the app

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

Switch your current account

  • 3 months 0% interest overdraft when you switch

    To help you during your switch, we may be able to arrange an interest-free arranged overdraft for 3 months, subject to application and approval. An arranged overdraft can act as a useful safety net. You can use it to borrow money up to an agreed limit through your bank account.

    What happens after the 0% interest free period ends?

    Once your three month interest-free period ends we will charge interest daily. The daily arranged overdraft interest rate will be based on how you manage any accounts with us and on the credit information we hold about you. We will let you know this rate in the pre contract credit information we give you if you apply for an arranged overdraft.

    Representative example (based on using a Club Lloyds Account)

    An arranged overdraft on a Club Lloyds account has a variable interest rate of 27.5% EAR, and a variable representative rate of 29.9% APR, based on borrowing £1,200. The APR includes monthly maintaining the account fees of £3* and an interest free amount of £50.

    *The £3 fee is waived for each month you pay in at least £1,500 into your account

    How does our overdraft compare?

    You can use the representative APR to compare with other products or credit providers, this can help you make sure that you choose the right type of borrowing for you.

    How much does my overdraft cost in pounds and pence?

    As an example, the interest cost of borrowing £500 is: £2.04 for 7 days, £8.94 for 30 days and £17.98 for 60 days.

    Arranged overdrafts are subject to application and approval and repayable on demand. You must be 18 or over to apply. Arranged overdraft limits and interest rates vary based on your individual circumstances.

  • To help you during your switch, we may be able to arrange an interest-free arranged overdraft for 3 months, subject to application and approval.

    Are you eligible for the arranged overdraft offer?

    To qualify for the interest-free offer you must:

    • Use the Current Account Switch Service. This service means your old account will be closed and all your payments transferred to your new Lloyds Bank account
    • Have not used the offer within the last 12 months
    • Have applied, and been approved for an arranged overdraft on your new Lloyds Bank account

    Any questions on the switcher overdraft offer? Just call us on 08456 049 956

    How do you apply for an arranged overdraft?

    At the end of your current account application process, we may offer you an arranged overdraft. If we do, we'll tell you the maximum amount you can have and you can add it right away. You can also apply for one later.

    What happens if I am overdrawn and want to switch?

    We will show you the maximum amount of arranged overdraft we can offer you before you complete your switch request form, if we are unable to offer you the full amount you will need to make arrangements with your bank to pay back the remaining amount. If you've already got a current account with us you can log onto Internet or Mobile Banking and see if there is an option to extend your arranged overdraft.

Frequently asked questions

 

Service Quality Information for personal current accounts

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

Financial Services Compensation Scheme

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).

Mobile Banking
We don’t charge you for Mobile Banking but your mobile operator may charge for some services, please check with them. Services may be affected by phone signal and functionality. You must be registered for Internet Banking. Terms and conditions apply.

Mobile Banking app
Available to Internet Banking customers with a UK personal account and valid registered phone number. Our app is available to iPhone and Android users only and minimum operating systems apply, so check the App Store or Google Play for details. Our app does not work on jailbroken or rooted devices. Device registration required.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google LLC. Terms and conditions apply.