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.

Lloyds Bank Basic Account card

Features and benefits

  • Free everyday banking
    You don’t have to pay interest if you accidentally go overdrawn.
  • Contactless VISA debit card
  • 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
  • Save the Change®

Keep in mind

  • This account doesn't include:
    • Credit interest on your balance
    • Arranged overdraft
    • Cheque book
  • You cannot apply directly
    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.
Current Account Switch Guarantee

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.

For more information read the Personal banking terms and conditions & Banking charges guide (PDF, 569 kB)opens in a new tab..

From 1st November we are making changes to some of our terms and conditions and updating them to make them easier to understand. For more information, please read the Guide to Changes (PDF, 115KB).

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.
    Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.


    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. Lines are open 8am – 8pm, seven days a week.
    Not all Telephone Banking services are available 24 hours a day, seven days a week.

  • 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, seven days a week. Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.) or drop into your nearest branch.

Report your card lost or stolen

If you can’t find your card, there’s no need to worry. You can report it lost or stolen online through Internet Banking or our Mobile Banking app.

We’ll cancel the existing card straight away and send you a new one.

Report your card lost or stolen

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.