The challenging times we’re all experiencing means we’re getting a lot more calls than usual and our call times are longer. So we can support people in the most vulnerable situations, we ask that you only call us if your enquiry is urgent. You can still use our online and mobile banking services and our automated service.

 

LLOYDS BANK CURRENT ACCOUNT

Basic 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.

Basic account card

Features and benefits

  • Free everyday banking
    You don’t have to pay interest 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

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.

Current Account Switch Guarantee

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)opens in a new tab..

For more information about the fees associated for Payment Services with this account please see the Fee Information Document (PDF, 144kB).opens in a new tab.

  • 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.

    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.

    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.

    Money Manager

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

    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.

    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.

  • 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 Guarantee
    Crystal Mark 20785–Clarity approved by Plain English Campaign

    Current Account Switch Guarantee

    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.

  • In branch

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

    By phone

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

    Lines are open 24/7.

    Online

    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 herePDF opens in a new tab.

    Customers living in the UK or recently moved to the UK

    View Available Accounts

  • Existing Cash Account customers

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

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

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.

Financial Services Compensation Scheme

Protecting Your Money FSCS Protected logo

Important legal information

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.

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 18 or over to apply.