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Basic Account

Lloyds Bank Current AccountBasic Account

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.


Features and benefits

  • Free everyday banking

    You don’t have to pay monthly fees, or charges if you accidentally go overdrawn.

  • Visa debit card

    Use at any CashPoint® or other cash machines.

  • Services available 24/7

    Bank your way with 24 hour access to Online Banking and Mobile Banking as well as access to Telephone Banking and branch services.

  • Everyday Offers

Current Account Switch Guarantee logoSwitching to us is now faster and more convenient with the Current Account Switch Service. Find out more about the benefits of switching to us.

Keep in mind

  • This account doesn't include:

    • Credit interest on your balance
    • Arranged Overdraft
    • Cheque book
    • Contactless debit card and Apple / Google Pay
    • Save the Change
  • You cannot apply directly

    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.

  • Eligibility of EU residents

    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).


Debit card

Services that come with this account

Debit card

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.

More about debit cards

Banking your way

Banking your way

Quick, easy ways other than in branch to manage your money 24 hours a day, 7 days a week, online or on the phone with Internet Banking, PhoneBank® and Mobile Banking.

More about ways to bank

Text Alerts

Mobile Alerts

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.

Find out more about mobile alerts

Money Manager

Money Manager

Keep track of your spending and see at a glance where your money goes with our free Internet Banking service.

More about Money Manager

Joint account

Joint account

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.

More about joint accounts

Mobile app

Mobile Banking app

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.

More about the Mobile Banking app

Current Account Switch Guarantee logo

Switching made easy

Switching with us

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.

Current Account Switch GuaranteeCurrent Account Switch Guarantee logo


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 service is free to use and you can choose and agree your switch date with us.
  • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
  • If you have money in your old account, we will transfer it to your new account on your switch date.
  • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
  • If there are any issues in making the switch, we will contact you before your switch date.
  • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.
    Crystal Mark 20785–Clarity approved by Plain English Campaign



Read the account switching guide (PDF)


Find out how to switch

Location icon

In branch

Pop into any Lloyds Bank branch and our staff will be happy to help.

Find your nearest branch

Phone icon

By phone

For information about applying for a Basic Account, call us on 0345 300 0000.

Lines are open 24/7.

Internet Banking

Ways to apply


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.

Applying from an EU country outside of the UK

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:

  • current passport
  • EU/EEA photo driving licence
  • EU/EEA photo identity card
  • other documents can be accepted if presented in person in one of our UK branches.

If you have a non EU/EEA passport, we will also need proof of EU residency with your passport.

Customers from outside the UK

Apply here

Customers living in the UK or recently moved to the UK

View Available Accounts

Internet Banking

You can check if you are able to upgrade to one of our other current accounts through Internet Banking.

Log on

Are you in financial difficulty?

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.

Managing debt

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.

Useful phone numbers

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.

Financial Services Compensation Scheme

FSCS logo