1.00% AER (0.99% annual gross) variable on balances from £1 up to and including £3,999.99, and 2.00% AER (1.98% annual gross) variable on any part of the balance from £4,000 up to and including £5,000.
Packed with insurance benefits for only £19 per month if you pay in £1,500 per month, otherwise it costs £22 per month.
The everyday current account for everyday banking
Packed with benefits for only £19 per month
The easy way for children and teens to make the most of their money
Packed with all you need to make the most of your studies
Recommended if you have a limited income, been refused a current account in the past due to financial difficulties, or need an account to pay benefits into
Bringing your finances together with personal & dedicated service
Free everyday banking with 24/7 access to manage your money on the go.
Just stay in credit (so your balance doesn't go below £0.00) and you won't be charged any fees. If you use your Visa debit card outside the UK, fees apply.
Also you don't need to pay a set amount of money in or have any Direct Debits coming out of this account each month.
We are proud to tell you that those who have used our Mobile Banking App have given it between four and five-star ratings on the Apple App Store and Google Play. This was last checked in October 2018.
Get up to 15% cashback when using your Visa Debit Card at selected retailers. Merchant offers and cashback amounts vary. Terms and conditions apply.
Sign up to Everyday Offers and you can view and use offers through our Internet Banking or Mobile Banking App.
Here are some of the retailers you may get offers from:
If you use an arranged overdraft of £1,200 on your Classic Account, then we’ll charge you a daily arranged overdraft fee of £2.
Three month fee-free arranged overdraft offer
If you are looking to switch to us we may be able to arrange a fee-free arranged overdraft for 3 months. Whether you can have an arranged overdraft and the arranged overdraft limit are subject to application and approval.
Are you eligible for the three month fee-free arranged overdraft offer?
To qualify for the fee-free offer you must :
Would you like a current account with an arranged overdraft?
At the end of your current account application, we may offer you an arranged overdraft which you can add right away. You can also apply for one later.
Do you already have a current account with us and need an arranged overdraft?
If you already have a current account with us, you can apply for an arranged overdraft through Internet Banking or Mobile Banking. You can also apply to increase your existing arranged overdraft limit too.
Save the Change® can make saving easy. When you buy something with your Lloyds Bank Visa debit card (and your account is in credit), the amount can be rounded up to the nearest pound. The difference is transferred to an eligible Lloyds Bank savings account.
Save the Change® is a registered trademark of Lloyds Bank plc.
Keep track of your spending and see at a glance where your money goes with our free Internet Banking service.
Money Manager is provided to help you manage your personal finances and is not intended to provide legal, tax or financial advice. Terms and conditions apply.
Use your current account to send money outside the UK or in a foreign currency.
All the ways to do everyday banking. And how we make it simple.
The Current Account Switch Service is free to use and makes switching from one bank or building society to another simple. Whether you’re a consumer, small charity or small business, switching can be stress-free.
Switch on your terms
With the Current Account Switch Service you can:
If you switched your account in 7 working days, this is how the process could work:
|Day 1||Day 1-6||Day 7|
|You do||Choose a current account and apply. After applying, complete our switch form.||You can still use your old account and your new Lloyds account.||Enjoy your Lloyds Bank account.|
|We do||We'll start your switch.||We will transfer payments from your old account to your new account.||Switch complete. We move the funds in your old account to your new Lloyds Bank account and close your old account.|
Simple and stress-free
The new account provider transfers any existing balance and all existing payment arrangements for you – including those going out (for example Direct Debits and standing orders), those coming in (for example, your salary) and payees you already have set up.
Wide ranging spread of UK banks and building societies are on board
This means over 99% of UK current accounts are covered by the Current Account Switch Guarantee.
The switching process is the same everywhere
Every bank and building society offering the service follows exactly the same switch process.
Payments are automatically redirected
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.
Backed by a Guarantee
In the unlikely event that something goes wrong with your switch, the new provider will refund any interest or charges incurred on your old or new account as a result.
If you have a Basic Account with us and would like to change it to a Classic Account. Or if you already have a Classic Account with us, you may be interested in upgrading to Club Lloyds or one of our Added Value Accounts. Log on to Internet Banking to see upgrade options available to you.
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 also subscribe to the lending code. Details can be obtained from www.lendingstandardsboard.org.uk.
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. View Arranged Overdraft borrowing fees.
To be eligible for the switcher fee-free offer you must be accepted for an Arranged Overdraft on your Lloyds Bank account, have not had the offer in the last 12 months on your account, and complete a switcher application to switch your account to Lloyds Bank.