All Our Current Accounts

All Our Current Accounts

Whether you are looking for an account with benefits or need a basic account for day-to-day spending, we have a range of current accounts to suit your needs.

All Our Current Accounts

Choose from our range of current accounts

Our products

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Classic

£0 monthly fee

  • Get up to 15% cashback with Everyday Offers from selected retailers*
  • Access to all of the great app features
  • Option to apply for an arranged Overdraft**

*Retailer offers and cashback amounts vary.

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

Classic
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Club Lloyds

£5 monthly fee
Refunded each month you pay in £2,000 or more

All the benefits of Classic, plus

  • No debit card fees from us when you use your card abroad
  • Choose a lifestyle benefit each year
  • Earn interest on balances up to £5,000 when you pay out 2 Direct Debits per month
  • Get exclusive offers on savings and mortgages

 

 

Club Lloyds
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Lloyds Premier

You’ll get the fee back every month you meet eligibility.

All the benefits of Club Lloyds, plus

  • Bupa Family GP and Wellbeing subscription
  • Earn 1% cashback, up to £10 per month on eligible card spend
  • Preferential savings rates and mortgage offers
  • Expert financial coaching service
  • Dedicated Premier servicing team

You need to pay in £5,000 each month or have £100,000 saved or invested with us to qualify. You’ll get the back the £15 fee every month you meet this.

Lloyds Premier
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Club Lloyds Silver

£11.50 per month
+£5 Club Lloyds monthly fee which is refunded each month you pay in £2,000 or more

All the benefits of Club Lloyds, plus

  • European and UK family travel insurance - up to age 65
  • AA Breakdown Family Cover with Roadside Assistance
  • Mobile phone insurance

 

Club Lloyds Silver
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Club Lloyds Platinum

£22.50 per month
+£5 Club Lloyds monthly fee which is refunded each month you pay in £2,000 or more

All the benefits of Club Lloyds, plus

  • Worldwide family travel insurance up to age 80
  • AA Breakdown Family Cover with Roadside Assistance, At Home and National Recovery
  • Mobile phone insurance
Club Lloyds Platinum
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Silver

£11.50 per month

All the benefits of Classic, plus

  • European and UK family travel insurance - up to age 65
  • AA Breakdown Family Cover with Roadside Assistance
  • Mobile phone insurance
  • No debit card fees from us when you use your card abroad
Silver
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Platinum

£22.50 per month

All the benefits of Classic, plus

  • Worldwide family travel insurance - up to age 80
  • AA Breakdown Family Cover with Roadside Assistance, At Home and National Recovery
  • Mobile phone insurance
  • No debit card fees from us when you use your card abroad
Platinum

Basic Account

£0 monthly fee

Get up to 15% cashback with Everyday Offers from selected retailers

Access to all the great mobile app features

You cannot apply directly for a Basic Account. 

You will need to start the application process for a current account with us, and we will try to obtain information about your credit history. We may offer you the Basic Account if you’re bankrupt, in financial difficulty, or if we’re not able to obtain information about your credit history.

Basic

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

 Accounts for kids, teens and students

Smart Start

For young customers who want their first current account and savings account with parental oversight.

  • The account can be opened from age 11 to 15 and held until they turn 18.
  • Contactless Visa debit card.
  • Earn interest on your savings account.
  • The supervising parent or guardian must have a Lloyds current account and be registered for online banking.
More about Smart Start

Under 19s Account

For 13 to 17 year olds who want to start managing their money.

  • Contactless Visa debit card or Cashpoint® card.
  • Earn interest of 0.50% AER (0.50% gross p.a.) variable on credit balances between 1p and £999.99. We do not pay interest on amounts of £1,000 or more.
More about Under 19s Account

Student Account

For full-time students aged 17 or over.

  • No debit card fees from us when you use your card abroad.
  • Contactless Visa debit card.
  • If you’re 18 or over, you can apply for an interest free arranged overdraft of up to £1,500 in years 1 to 3 and then up to £2,000 in years 4 to 6.
More about Student Account

Club Lloyds Private Banking Current Account – To be eligible, you’ll need to have at least £250,000 in savings and investments or at least a £750,000 mortgage with Lloyds Bank. For Private Banking customers, the £5 monthly Club Lloyds fee is automatically refunded.

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.

Get your bank account

Account opening is subject to status, 18+, UK resident

 

Start with the app

Whether you're a new or existing customer you can open a new account or change one with the app.

Scan the QR code and we’ll get things started.

Want a joint account?

You can apply in the app if you both already have a Lloyds account.

Explore joint accounts

If you'd prefer, apply through the website.

 

Start with the app

Whether you're a new or existing customer you can open a new account or change one with the app.

Apply for an account Apply for an account

Want a joint account?

You can apply in the app if you both already have a Lloyds account.

Explore joint accounts Joint accounts

If you'd prefer, apply through the website.

Protecting your money

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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

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Current account support

Learn how to get the most out of your Lloyds current account with our support pages.

Help and guidance

Everyday banking online

Manage your profile, money or cards from your sofa with the app or online banking.

What you can do online

Message us online

Get answers to your everyday banking questions. Log in to the app or online banking to get in touch.

How to message us

Independent service quality survey results

Personal current accounts

Published February 2026

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

Personal current accounts Overall service quality survey results. Ranking 1st place Monzo 82%, 2nd place Starling Bank 77%, 3rd place Nationwide 75%, 4th place first direct 74%, 5th place Chase 72%, 6th place Lloyds Bank 64%

View the full set of results

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

Important legal information

Lloyds and Lloyds Bank are trading names of 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).

We may monitor or record telephone calls to check out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.

Account opening is subject to our assessment of your circumstances. You must be over 18 to apply.

Overdrafts are repayable in full on demand.

Club Lloyds Lifestyle Benefits are administered by Hawk Incentives Limited, on behalf of Lloyds Bank. The benefits available for selection may be changed or updated from time to time.

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