All Our Current Accounts

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LLOYDS BANK CURRENT ACCOUNT

Club Lloyds

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

Get £100 in 10 working days when you switch to a new Club Lloyds Account using the Current Account Switch Service. Just fill out our simple switch form at the end of your application. You must close your old account and you won’t be eligible for the offer if you’ve received an incentive for switching to a Lloyds Bank current account since April 2019. Offer ends 19th October 2021. T&Cs apply.

Club Lloyds card
Earn credit interest when you pay out at least two different Direct Debits each calendar month.
 
  • 0.60% AER / 0.60% gross p.a. variable on balances from £1 up to and including £3,999.99
  • 1.50% AER / 1.49% gross p.a. variable 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.
  • Each year, you can choose either 12 digital movie rentals, an annual digital Gourmet Society membership, 6 cinema tickets, or an annual magazine subscription.
Monthly maintaining the account fee

No fee 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. 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.

LLOYDS BANK CURRENT ACCOUNT

Classic Account

The everyday current account for everyday banking

Classic Account card
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

No fee

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. Applying for this product does not improve your eligibility for an arranged overdraft.

LLOYDS BANK CURRENT ACCOUNT

Platinum Account

Packed with insurance benefits for only £21 per month

Platinum Account card
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

£21 per month

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

You can apply 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.

LLOYDS BANK CURRENT ACCOUNT

Club 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 £100 in 10 working days when you switch to a new Club Lloyds Platinum Account using the Current Account Switch Service. Just fill out our simple switch form at the end of your application. You must close your old account and you won’t be eligible for the offer if you’ve received an incentive for switching to a Lloyds Bank current account since April 2019. Offer ends 19th October 2021. T&Cs apply.

 

Platinum Account card
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.
  • Each year, you can choose either 12 digital movie rentals, an annual digital Gourmet Society membership, 6 cinema tickets, or an annual magazine subscription.
Monthly maintaining the account fee

The Club Lloyds Platinum maintaining the account fee comprises of:

Platinum monthly maintaining the account fee

£21 per month

Plus

Club Lloyds monthly maintaining the account fee

No fee 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 £24 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.

LLOYDS BANK CURRENT ACCOUNT

Student Account

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

Classic Account card
Why choose this account?
  • Up to £1,500 interest-free arranged overdraft, subject to our assessment of your circumstances.
  • Convenient payments with contactless payments
  • Free everyday banking when you stay in credit.
Monthly maintaining the account fee

No fee

Who can apply?
  • You must be aged 17 or older.
  • You must be aged 18 or older to apply for an Arranged Overdraft
Arranged overdraft

You can apply for an interest-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

A variable representative rate of 0% APR

A variable interest rate of 0% EAREAR is the Equivalent Annual Rate. This is the annual interest rate of an overdraft. This means you are charged over the year based on how often and how much you are overdrawn by, and the effect of compounding it – charging interest on interest already charged. This interest rate does not include any other fees and charges.

Based on borrowing £1,200

This example assumes you are in the second year of your studies

How much does my overdraft cost in pounds and pence?

As an example, the interest cost of borrowing £500 is:

£0.00 for 7 days

£0.00 for 30 days

£0.00 for 60 days

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.

Useful tools

You can use our calculator to work out how much your anticipated arranged overdraft borrowing would cost over different periods of time.

 

Cost Calculator

You can use our eligibility tool to find out if you are eligible for an arranged overdraft.

 

Eligibility Tool

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.

LLOYDS BANK CURRENT ACCOUNT

Under 19s Account

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

Classic Account card
Why choose this account?
  • Easy access to your money, with a Lloyds Bank Visa debit card or a Cashpoint® card.
  • Earn credit interest on your money, which is paid quarterly:
  • For accounts opened before 23 August 2021 - Earn interest of 0.50% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. (0.50% grossGross 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. p.a.) variable on credit balances between £1 and £2,499.99. We do not pay interest on amounts of £2,500 or more.
  • For accounts opened on or after 23 August 2021 - Earn interest of 0.50% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. (0.50% grossGross 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. p.a.) variable on credit balances between £1 and £999.99. We do not pay interest on amounts of £1,000 or more.
  • 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

No fee

Who can apply?
  • You must be aged 11 - 17.
LLOYDS BANK CURRENT ACCOUNT AND SAVINGS ACCOUNT

Smart Start

For 11 to 15 year olds who want to spend, save and learn with parental oversight. 

Why choose this account?
  • Your child gets their own current account and savings account.
  • Contactless Visa debit card.
  • Parent or legal guardian has full visibility of account activity.
  • Dedicated Smart Start guides to help your child manage their money.
  • Interest is earned on savings account only. Earn 1.00% AER/gross variable interest on balances of £1 to £1,000. Earn 0.01% AER/gross variable interest on any money above £1,000.
Monthly maintaining the account fee

No fee

Who can apply?

To open Smart Start with your child you must:

  • be 18 or over and your child be between 11 and 15 years old.
  • have a Club Lloyds Current Account and an existing Child Saver or Young Saver account for the child.
  • be registered for Internet Banking.
  • both be living at the same UK address. If you or the child live outside the UK, you won’t be able to open an account for them.
LLOYDS BANK CURRENT ACCOUNT

Club Lloyds Private Banking Current Account

Bringing your finances together with personal & dedicated service.

Private Banking Account card
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

No fee

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 CURRENT ACCOUNT

Basic Account

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

Classic Account card
What features come with this account?
  • Free everyday banking  with no interest charged if you accidentally go overdrawn.
  • Your contactless VISA debit card
  • Bank your way with Internet Banking, Telephone Banking, in branch, and also get free Mobile alerts.
Monthly maintaining the account fee

No fee

Who is eligible?
  • You must be aged 18 or older.
  • You must be ineligible for our other current accounts.
  • To qualify for the £100 switching offer (“the offer”) you must open a new Club Lloyds Account or Club Lloyds Platinum Account and use the ‘Current Account Switch Service’ to switch into it from a bank account held with another bank. The following conditions apply:

    • Apply for a new Club Lloyds Account (£3 monthly maintaining the account fee applies) or new Club Lloyds Platinum Account (£21 and £3 monthly maintaining the account fees apply) (‘Qualifying Account’)
    • Use the ‘Current Account Switch Service’ to transfer all the active credits and debits from the bank account that you hold with another bank to the Qualifying Account which will close your old account with the other bank
    • Open your Qualifying Account between 07/09/21 and 19/10/21 and start the switch service by 19/10/21

    You are not eligible for the offer if:

    • You open and switch to any account other than a new Club Lloyds Account or new Club Lloyds Platinum Account
    • You switch to any existing Lloyds account
    • You change your existing Lloyds bank account to a Club Lloyds Account or Club Lloyds Platinum Account and switch to that account
    • Since April 2019 you’ve received a switching offer for switching to a Club Lloyds Account or Club Lloyds Platinum Account
    • You are switching to a joint account and one of the parties to the joint account has already received a switching incentive since April 2019
    • The bank you are switching from does not participate in the Current Account Switch Service. To find out more visit www.currentaccountswitch.co.uk

    The offer applies to applications received in branch, online or by phone from the 07/09/21 to 19/10/21. The offer is subject to change and can be withdrawn without notice at any time.

    The offer does not automatically guarantee an arranged overdraft and any application for an arranged overdraft facility will be subject to status. If your Qualifying Account has an arranged overdraft, you will not pay any daily arranged overdraft interest for 3 months provided you stay within your arranged overdraft limit and do not increase or otherwise alter the arranged overdraft limit agreed.

    After 3 months, or if you change your account, you will be charged daily arranged overdraft interest 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 interest. 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 www.lloydsbank.com/current-accounts/all-accounts.html

    Only one offer is available per customer. Joint accounts will only be eligible for one payment.

    The offer will be paid directly into your account within 3 working days of your switch completing 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.

Help & 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.

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