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Classic Account


The everyday current account for everyday banking


Features and benefits

  • Free everyday banking

    Stay in credit and you won’t have to pay monthly fees. Bank your way with the Mobile Banking app, Internet Banking , Telephone Banking,  in branch, and also get Mobile Alerts

  • Cash withdrawals

    Withdraw up to £500 a day from any Lloyds Bank Cashpoint® or other cash machines.

  • Arranged Overdraft

    You can apply for an Arranged Overdraft, subject to our assessment of your circumstances .

  • Send money outside the UK or in a foreign currency

    Use your current account to make a payment.

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.

Keep in mind

  • Arranged Overdrafts

    All Arranged Overdraft applications are subject to approval after our assessment of your circumstances.

Representative example
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.


Planned overdraft

Arranged Overdraft

  • Setting up an Arranged Overdraft is free.
  • You'll only pay a daily arranged overdraft fee if you use it.
  • All overdrafts are subject to our assessment of your circumstances and are repayable on demand.

More about personal arranged overdrafts

Services that come with this account

Debit card

Services that come with Added Value Accounts

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

Everyday offers

Everyday Offers

Get up to 15% cashback using Everyday Offers at the type of places you regularly shop. It’s available to UK personal current account customers over 18, who bank online. Retailer offers and cashback amounts may vary.

More about Everyday Offers

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

Save The Change

Save the Change®

Save the Change® makes saving easy. When you buy something with your Lloyds Bank debit card (and your account is in credit), we’ll round up the amount to the nearest pound and transfer the difference into an eligible Lloyds Bank savings account.

More about Save the Change®

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

Switching made easy

Switching with us

We can move your current account to a Lloyds Bank Classic 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 Service 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.




Upgrade your current account

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.

Log on to upgrade

Internet Banking


Fill in our simple online application form. We’ll just need a few bits of information, and you’ll need to be aged 18 years or over.

Apply for a Classic Account online


By phone

Call us on 0800 015 4000

Lines are open Monday - Friday 8am - 10pm, Saturday and Sunday 8am - 6pm.

In branch

In branch

Pop into any Lloyds Bank branch and our staff will be happy to help. In busier periods when staff may not be immediately available, we’ll be happy to book an appointment for a later date. You can also call 0345 300 0000 (+44 1733 347 007 from outside the UK) to book an appointment in advance. Lines are open 24 hours a day, 7 days a week.

If you aren’t an existing Lloyds Bank current account holder, you’ll need to bring:

Find your nearest branch

You can apply for a Lloyds Bank Classic Account if:
  • you’re aged 18 or older

ClockThe application process typically takes about 10 mins Apply now

With so much choice, take a look at our other current accounts to see which account suits you best.
Compare accounts now

Switch your account to us within seven days

Switch Guarantee

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 - Protecting your money

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

Download the statement of responsibilities