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All Our Current AccountsCurrent Account Switch Guarantee

 

Club Lloyds

LLOYDS BANK CURRENT ACCOUNTClub Lloyds

Variable credit interest and more great benefits with our Club Lloyds current account.

Get £125 when you switch to Club Lloyds

The Current Account Switch Service makes switching quick and easy. Just open a new Club Lloyds account and fill in our online switch form. We’ll take care of everything else and close down your old account. On top of that, we'll give you £125. All in seven working days.

This offer is for new Club Lloyds and Club Lloyds Platinum accounts opened between 1 October 2019 and 5 November 2019. Terms and conditions apply.

Earn credit interest when you pay out at least two different Direct Debits each calendar month.

  • 1.00% AERCloseAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. / 0.99% annual grossCloseGross 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. on balances from £1 up to and including £3,999.99
  • 2.00% AERCloseAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. / 1.98% annual grossCloseGross 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. on balances from £4,000 up to and including £5,000

Interest is calculated daily, and paid monthly, but will not be paid in any month you do not have two separate Direct Debits paid from your account, or on amounts over £5,000.

Why choose this account?
  • Variable credit interest on your entire balance from £1 to £5,000, but 0% on anything over that. Interest is paid into your account monthly.
  • Exclusive access to offers on a range of Lloyds Bank products, including savings, mortgages and home insurance.
  • Choose your Lifestyle Benefit every year per account from: cinema tickets; an annual magazine subscription; or annual Gourmet Society membership.
Monthly maintaining the account fee

Free or £3 per month

The £3 fee is waived for each month you pay at least £1,500 into your account. If in any month you don't pay in this amount, you will need to pay the £3 monthly maintaining the account fee.

Who can apply?
  • You must be aged 18 or older.
  • This account is available for new and existing customers.

Arranged Overdraft
You can apply for an Arranged Overdraft where up to the first £100 is fee-free. All overdrafts are subject to our assessment of your circumstances, and are repayable on demand.
Representative example
If you use an Arranged Overdraft of £1,200 on your Club Lloyds Account, then we’ll charge you a daily arranged overdraft fee of £1.83. For Club Lloyds, the daily arranged overdraft fee on the first £100 is 0p.

Classic Account

Lloyds Bank Current Account.Classic Account

The everyday current account for everyday banking

Why choose this account?
  • Free everyday banking when you stay in credit.
  • Cash withdrawals of up to £500 a day from any Lloyds Bank Cashpoint® or other cash machines.
Monthly maintaining the account fee

Free

Who can apply?
  • You must be aged 18 or older.
  • This account is available for new and existing customers.

Arranged Overdraft
All overdrafts are subject to our assessment of your circumstances, and are repayable on demand.
Representative example
If you use an Arranged Overdraft of £1,200 on your Classic Account, then we’ll charge you a daily arranged overdraft fee of £2.

Platinum Account

Lloyds Bank Current AccountPlatinum Account

Packed with insurance benefits for only £19 per month

Why choose this account?
  • AXA Worldwide Travel Insurance for you and your family including Winter Sports cover.
  • AA Breakdown Cover and UK Roadside Assistance, whether you’re in your own vehicle or someone else’s. The cover includes Relay and Home Start.
  • Mobile phone insurance giving worldwide cover for loss, theft, damage and breakdown (including faults).
Monthly maintaining the account fee

£19 per month

Who can apply?
  • You must be aged 18 or older.

Arranged Overdraft
You can apply separately for an Arranged Overdraft. All overdrafts are subject to our assessment of your circumstances, and are repayable on demand.
Applying for this product does not improve your eligibility for an arranged overdraft.
Representative example
If you use an Arranged Overdraft of £1,200 on your Platinum Account, then we’ll charge you a daily arranged overdraft fee of £1.50. For Platinum Accounts, the daily arranged overdraft fee on the first £300 is 0p.

Platinum Account

LLOYDS BANK CURRENT ACCOUNTClub Lloyds Platinum

Packed with insurance benefits and if you pay at least two separate Direct Debits each month you will get variable credit interest on balances from £1 to £5,000.

Get £125 when you switch to Club Lloyds Platinum

The Current Account Switch Service makes switching quick and easy. Just open a new Club Lloyds Platinum account and fill in our online switch form. We’ll take care of everything else and close down your old account. On top of that, we'll give you £125. All in seven working days.

This offer is for new Club Lloyds and Club Lloyds Platinum accounts opened between 1 October 2019 and 5 November 2019. Terms and conditions apply.

Why choose this account?
  • AXA Worldwide Travel Insurance for you and your family including Winter Sports cover.
  • AA Breakdown Cover and UK Roadside Assistance, whether you’re in your own vehicle or someone else’s. The cover includes Relay and Home Start.
  • Mobile phone insurance giving worldwide cover for loss, theft, damage and breakdown (including faults).
  • Variable credit interest on your entire balance from £1 to £5,000, but 0% on anything over that. Interest is paid into your account monthly.
  • Exclusive access to offers on a range of Lloyds Bank products, including savings, mortgages and home insurance.
  • Choose your Lifestyle Benefit every year per account from: cinema tickets; an annual magazine subscription; or annual Gourmet Society membership.
Monthly maintaining the account fee

The Club Lloyds Platinum maintaining the account fee comprises of:

Platinum monthly maintaining the account fee

£19 per month

Plus

Club Lloyds monthly maintaining the account fee

Free or £3 per month

The £3 fee is waived for each month you pay in at least £1,500 into your account. If in any month you don't pay in this amount, you will need to pay the £3 monthly maintaining the account fee.

Maximum combined maintaining the account fee of £22 per month.

Who can apply?
  • You must be aged 18 or older.

Arranged Overdraft
You can apply separately for an Arranged Overdraft. All overdrafts are subject to our assessment of your circumstances, and are repayable on demand.
Applying for this product does not improve your eligibility for an arranged overdraft.
Representative example
If you use an Arranged Overdraft of £1,200 on your Club Lloyds Platinum Account, then we’ll charge you a daily arranged overdraft fee of £1.50. For Club Lloyds Platinum accounts, the daily arranged overdraft fee on the first £300 is 0p.

Student Account card image

Lloyds Bank Current AccountStudent Account

Packed with all you need to make the most of your studies

Why choose this account?
  • Up to £1,500 fee-free Arranged Overdraft, subject to evaluation of your circumstances.
  • Convenient payments with contactless payments
  • Free everyday banking when you stay in credit.
Monthly maintaining the account fee

Free

Who can apply?
  • You must be aged 17 or older.
  • You must be aged 18 or older to apply for an Arranged Overdraft or a Student Credit Card

Arranged Overdraft
You can apply for a fee-free tiered Arranged Overdraft of up to £1,500. In your first year of study you could get up to £500 for the first six months from account opening, and then ask us to increase it to £1,000 in months seven to nine from account opening. From month 10 of account opening until the end of your third year you can ask for another increase to £1,500. If you’re studying on a course that is longer than three years, you can request to increase your arranged overdraft to £2,000 from year four onwards, should you need it. All overdrafts are subject to our assessment of your circumstances, and are repayable on demand.
Representative example
In your second year, if you use an Arranged Overdraft of £1,200 on your Student Account, then we’ll charge you a daily arranged overdraft fee of £0.

Lloyds Bank Under 19s account

Lloyds Bank Current AccountUnder 19s Account

The easy way for children and teens to make the most of their money

Why choose this account?
  • Easy access to your money, with a Lloyds Bank Visa debit card or a Cashpoint® card.
  • Credit interest of 0.50% AERCloseAnnual Equivalent RateThis illustrates what the interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers./0.50% grossCloseGross 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. variable on balances between £1 and £2,499.99. Interest is paid quarterly directly into your account and no interest will be paid on any part of your balance over £2,499.99.
  • Manage your money with Internet Banking, Telephone Banking, Mobile Banking, in-branch, and also get free mobile alerts.
  • Convenient payments with contactless payments if you are eligible.
Monthly maintaining the account fee

Free

Who can apply?
  • You must be aged 11 - 17.
Club Lloyds Private Banking Current Account

Lloyds Bank Current AccountClub Lloyds Private Banking
Current Account

Bringing your finances together with personal & dedicated service.

Why choose this account?
  • Dedicated Private Banking & Advice Manager
  • Access to our Private Banking Service Centre
  • Exclusive Private Banking branded debit card
Monthly maintaining the account fee

Free

Who can apply?
  • Available to customers who are eligible for a Private Banking relationship. 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.
Lloyds Bank Basic Account

Lloyds Bank Current AccountBasic Account

An account for customers who are ineligible for our other current accounts.

What features come with this account?
  • Free everyday banking  with no monthly fees, or charges if you accidentally go overdrawn.
  • Your Visa debit card can be used in over 500,000 locations in the UK and 27 million worldwide.
  • Bank your way with Internet Banking, Telephone Banking, in branch, and also get free Mobile alerts.
Monthly maintaining the account fee

Free

Who is eligible?
  • You must be aged 18 or older.
  • You must be ineligible for our other current account.

To qualify for the £125 switching offer (“the offer”) you must use the ‘Current Account Switch Service’ and meet the following conditions:

  • Use the 'Current Account Switch Service' to switch into a new Club Lloyds Account (£3 Monthly maintaining the account fee) or a Club Lloyds Platinum Account (£19 Monthly maintaining the account fee & £3 Monthly maintaining the account fee). The new account must be opened between the 01/10/19 and the 05/11/19
  • Use the ‘Current Account Switch Service’ to transfer all the active credits and debits from the bank account that you hold with another bank and close this account.

 You are not eligible for the offer if:

  • You are switching to any existing Lloyds current account opened prior to the 01/10/19
  • You are switching to a new Classic Account, Platinum Account, Student Account, Under 19’s Account or a Basic Account
  • The bank you are switching from does not participate in the Current Account Switch Service. To find out more visit www.currentaccountswitch.co.uk
  1. The offer applies to applications received in branch, online or by phone from the 01/10/19 to 05/11/19. The offer is subject to change and can be withdrawn without notice at any time.
  2. The offer does not automatically guarantee an arranged overdraft and any application will be subject to status. If your account has an arranged overdraft you will not pay a daily arranged overdraft fee for 3 months provided you stay within your arranged overdraft limit.
  3. After 3 months, or if you change your account, you will be charged daily arranged overdraft fees applicable to the account you hold if you use your arranged overdraft. Please see the Bank accounts and switching to us leaflet for full details on arranged overdraft fees. You will have been given this when you opened your account, but if you would like another one, please ask in branch or look at https://www.lloydsbank.com/current-accounts/all-accounts
  4. Only one offer is available per customer. Joint accounts will only be eligible for one payment.
  5. The offer will be paid directly into your account by the time your switch has completed and will appear as a cash credit. The offer is not available to employees of Lloyds Banking Group, or if the employee is named on any bank account held in joint names.

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