LLOYDS BANK CURRENT ACCOUNTswitch guarantee logo

Classic Account

Free everyday banking with 24/7 access to manage your money on the go.

Classic Account Debit Card

Free everyday banking

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.

Our highly-rated app

  • Bank on the go - pay bills, check your balance and see your latest spending
  • Secure money - we make sure your money is in safe hands with the very latest secure technology
  • Stress-free access - logging on is quick, secure and, if you have a compatible mobile iPhone or Android model, you can use Face ID.

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.

Earn up to 15% cashback

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:

Coop, Costa, Hilton, and Sky logos 

And the account comes with all the usual features too

  • Contactless payments - pay, tap and go with a Visa Debit Card, Apple Pay or Google Pay. You can pay up to £100 using contactless.
  • Instant access to your money - 24/7 mobile, internet and telephone banking, or visit us in branch. You can also take out up to £500 a day from any cash machines in the UK.
  • Text message alerts - set-up alerts straight to your phone, so you can stay up-to-date on your finances.

Keep in mind

  • To apply for this account, you need to be:
    • aged 18 or older
    • someone who lives in the UK
    • an EU national or have the right to stay in the UK for at least 12 months
    • If you are not an existing Lloyds customer you will need to provide proof of identity.
  • Whether you can have an arranged overdraft or the amount you can borrow are subject to approval and are repayable in full on demand.
  • To qualify for Everyday Offers, you need to be signed up to Internet Banking. Merchant offers and cashback amounts vary. Terms and Conditions apply.

Arranged overdraft

An arranged overdraft can act as a short term safety net. You can use it to borrow money up to an agreed limit through your bank account.

  • You can apply to add an arranged overdraft to your account and you’ll only pay daily arranged overdraft interest if you use it.
  • If you use your arranged overdraft but pay it back before the end of the day, then you won’t pay any arranged overdraft interest for that day.

Helpful tools - You can use our eligibility checker and cost calculator to check your eligibility and calculate the cost of an arranged overdraft.

Applying for an arranged overdraft - When you have applied for this account, at the end of the application you can apply for an arranged overdraft which you can add right away. You can also apply for one later.

Amending an arranged overdraft - You can reduce or remove your arranged overdraft at any time through Mobile Banking, Internet Banking or Telephone Banking or by visiting your branch. But you must repay anything you owe if you want to remove an arranged overdraft or anything over the new reduced limit you want. You can also apply to increase it. This application won't affect your credit score.

If you don't have enough money in your account or available arranged overdraft to make a payment, we may either let you borrow through an unarranged overdraft or refuse to make the payment. Missing payments and using an unarranged overdraft can damage your credit score, please get in touch with us as we may be able to help you.

All overdrafts are subject to application and repayable on demand. You must be 18 or over to apply.

  • Arranged overdraft details

    • £0 interest free amount
    • 39.9% EAR (variable) representative
    • Your interest rate will be based on how you manage any accounts you have with us and on the credit information we hold about you
    • No unarranged overdraft interest, fees or charges

    Representative Example

    A variable representative rate of 39.9% APR

    A variable interest rate of 39.9% EAREAR is the Equivalent Annual Rate. This is the annual interest rate of an overdraft. This means you are charged over the year based on how often and how much you are overdrawn by, and the effect of compounding it – charging interest on interest already charged. This interest rate does not include any other fees and charges.

    Based on borrowing £1,200

    How much does my overdraft cost in pounds and pence?

    As an example, the interest cost of borrowing £500 is:

    £3.22 for 7 days

    £13.86 for 30 days

    £28.09 for 60 days

    How does our overdraft compare?

    You can use the representative APR to compare with other products or credit providers, this can help you make sure that you choose the right type of borrowing for you.

    Useful tools

    You can use our calculator to work out how much your anticipated arranged overdraft borrowing would cost over different periods of time.


    Cost Calculator

    You can use our eligibility tool to find out if you are eligible for an arranged overdraft.


    Eligibility Tool


    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.

    Log on to apply for an arranged overdraft


New customer? Apply online and we should be able to give you a decision within 10 minutes.

Apply nowfor a Classic Account.

Existing customer? Open a new current account or change your account through Internet Banking

Log on to apply
  • Add an arranged overdraft - At the end of the application we may offer you an arranged overdraft, which you can add right away.
  • Make it a joint account - Once you’ve opened the account online, you can add a second person by booking an appointment at your nearest branch. You can book an appointment by calling us on 0345 300 0000 (+44 1733 347 007 from outside the UK). Lines are open 7am - 11pm, 7 days a week.
  • Give us a call - You can apply for this account by calling us on 0800 015 4000 (Lines are open Monday - Friday 8am - 10pm, Saturday and Sunday 8am - 6pm).
  • Visit us in branch - You can apply for this account by booking an appointment at your nearest branch. You can book an appointment by calling us on 0345 300 0000 (+44 1733 347 007 from outside the UK). Lines are open 7am - 11pm, 7 days a week. If you aren’t an existing Lloyds Bank current account holder, you’ll need to bring Proof of identity (such as a passport or driving licence) and Proof of address (such as a water, gas or electricity bill dated within the last 6 months). What to bring for identification.

  • Save the Change®

    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.

    Money Manager

    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.

    Send money outside the UK

    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.

    • Choose whether to open a new account or add someone one to your current account.
    • Each person will get their own debit card and can request a cheque book.
    • Each person can use the account without the need of approval from the other. This includes writing cheques, using cash machines and applying for an overdraft.

    Applying for a Joint Account

    You have two options when you are looking to apply to open a joint account:

    • One of you can get the process started by opening an account online. You will both then need to go into branch to make it a joint account.
    • Both of you can open your joint account from start to finish at one of our branches.

    For either option, we recommend booking an appointment at your local branch. You can also book by calling us on 0345 300 0000 (+44 1733 347 007 from outside the UK). Lines are open 7am-11pm, 7 days a week.

    If you already bank with us please bring your bank card or another form of identification with you. If neither of you are an existing Lloyds Bank current account holder, you’ll need to bring proof of identity.

    For further information please visit our joint account page.

  • 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:

    • switch your account in 7 working days, or
    • choose a switch date to us which suits you (just make sure you allow a minimum of 7 working days).

    If you switched your account in 7 working days, this is how the process could work:

    how the process could work


    Day 1

    Day 1-6

    Day 7


    You do

    Day 1

    Choose a current account and apply. After applying, complete our switch form.

    Day 1-6

    You can still use your old account and your new Lloyds account.

    Day 7

    Enjoy your Lloyds Bank account.


    We do

    Day 1

    We'll start your switch.

    Day 1-6

    We will transfer payments from your old account to your new account.

    Day 7

    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 the Current Account Switch 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.

    Read our account switching guide (PDF, 350KB)PDF opens in a new tab.

    Current Account Switch Guarantee logo
  • 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 Packaged Bank Accounts. Log on to Internet Banking to see upgrade options available to you.

    Log on to upgrade

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

    Compare accounts now

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 also subscribe to the lending code. Details can be obtained from www.lendingstandardsboard.org.uk.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).

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.