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

Classic card imagery

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
Club Lloyds card imagery

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 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 savers and mortgages

 

 

Club Lloyds
Club Lloyds Silver card image

Lloyds Premier

£15 monthly fee
You need to pay in £5,000 each month or have £100,000 saved or invested with us to qualify. We’ll then refund the fee each month.

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

 

Lloyds Premier
Club Lloyds Silver card image

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
Club Lloyds Platinum card imagery

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
Silver card imagery

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 at home or abroad
Silver
Platinum card imagery

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 at home or 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 parent or guardian of the account must have one of our Club Lloyds current accounts to get started.
More about Smart Start

Under 19s Account

For 11 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.

  • 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.

Open a current account

Join the millions of customers on our app

 

New to Lloyds

Scan the QR code to apply and join millions of customers – you could be setup today.

Just grab your passport or UK driving licence to get started.

Need another way? You can apply on the website.

Already a customer?

Easily upgrade or add a new account.

View all your accounts together and we won't ask you for information we already know.

 

Log in to apply

new to lloyds

New to Lloyds

Apply in the app and join the millions of customers – you could be setup today.

Just grab your passport or UK driving licence to get started.

Open new current account

Need another way? You can apply on the website.

Already a customer?

Easily upgrade or add a new account.

View all your accounts together and we won't ask you for information we already know.

Log in to apply

Protecting your money

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

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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