A Lloyds Basic Account may be available if you don’t meet the conditions for one of our other current accounts. This might be because you’re bankrupt, in financial difficulty, or if we’re not able to obtain information about your credit history.
You don’t have to pay monthly fees, or charges if you accidentally go overdrawn.
Use at any CashPoint® or other cash machines.
Bank your way with 24 hour access to Online Banking and Mobile Banking as well as access to Telephone Banking and branch services.
Switching to us is now faster and more convenient with the Current Account Switch Service. Find out more about the benefits of switching to us.
If you live in the UK you cannot apply for a Basic account directly. If you apply for one of our other current accounts, we will try to obtain information about your credit history to decide the most appropriate account for you.
Our Basic Account is available to anyone applying for one of our accounts from an EU country outside the UK.
Find out more about applying from another EU country outside of the UK.
For more information read the Personal banking terms and conditions & Banking charges guide (PDF, 569 kB).
For more information about the fees associated for Payment Services with this account please see the Fee Information Document (PDF, 144kB).
You can withdraw up to £500 a day from a Lloyds Bank Cashpoint or other cash machines. You can use your Visa debit card in over 500,000 locations in the UK and 27 million worldwide.
Our mobile alerts service offers a simple way to stay on top of your finances without even having to think about it. So if we have a mobile number for you, we’ll help you keep an eye on your balance.
Add a second person to your account. It’s a convenient way to share outgoings such as household bills, shopping and mortgage/rent payments or budget for holidays and special purchases.
Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile.
Personal UK Internet Banking customers only. Terms and Conditions apply.
We can move your current account to a Lloyds Bank Basic Account in just seven working days. Your standing orders and Direct Debits will be automatically transferred to your new account. All you have to do is let us know the date you want to be switched and provide details of the account you want to switch from.
Current accounts and services are offered subject to your status. They are available only to personal customers who are aged over 18, are resident in the UK, and are either an EU national or have permission to stay in the UK for at least 12 months.
We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.
The Basic Account is only available if you’ve unsuccessfully applied for another current account. Apply for one of our other current accounts, like the Classic Account online and if you’re unsuccessful we can usually offer you a Basic Account without needing to reapply.
Existing customers who have become insolvent (e.g. bankrupt, or have entered into a voluntary agreement to prevent being declared bankrupt), please visit your nearest branch or call us on 0345 300 0000.
To apply for a Lloyds Bank Basic Account you must be 18 or older and be legally resident in the European Union (EU). If you already have a current account with another UK bank, you’ll need to switch when we open your Lloyds Bank Basic Account.
Before we open your account we need to see proof of your identity and EU address.
To complete your application, we will require original documents sent by post, which will be returned to you securely in due course. We don’t accept expired documents or documents printed off the internet.
Identity documents you can send by post:
If you have a non EU/EEA passport, we will also need proof of EU residency with your passport.
Customers from outside the UK
Customers living in the UK or recently moved to the UK
We have put together some guidance to help you deal with financial difficulties. Topics include how to manage debt and the help available to you.
If you are an existing customer who has become insolvent (e.g. bankrupt, or have entered into a voluntary agreement to prevent being declared bankrupt) please call us on 0345 300 0000 (24 hours a day, 7 days a week) or drop into your nearest branch.
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.