LLOYDS BANK CURRENT ACCOUNT
Classic Account
Free everyday banking.

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- Contactless payments - tap and pay with a Visa Debit Card up to £100. You can now use our mobile banking app to choose a contactless payment limit between £30 & £95. You can also add your card to Apple Pay and Google Pay.
- Check your Credit Score - no impact on your credit file.
- Securely view your debit card PIN and card details in the app - to allow you to complete a transaction in-person or online.
- Manage subscriptions - view, cancel and block regular subscription payments in the mobile banking app.
- Cheque scanning - pay in cheques of up to £5,000 in to your account by simply taking a photo of your cheque and uploading to the app. There is a maximum daily limit of £5,000 per day.
- 24/7 mobile and internet banking - you can also visit us in branch or contact through telephone banking.
- Mobile alerts - you’ll get alerts straight to your phone so you can stay up to date on your finances.
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. Using an arranged overdraft increases your overall borrowing and may 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.
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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
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
Apply for a Classic account today
To apply for this account, you need to be:
- aged 18 or older
- someone who lives in the UK
If you are not an existing Lloyds Bank customer you will need to provide proof of identity
You can also apply for this account by calling us on 0800 015 4000 (Lines are open 9am – 6pm Monday – Saturday) or by booking an appointment at your nearest branch. You can book by calling us on 0345 300 0000 (+44 1733 347 007 from outside the UK). Lines are open 8am - 8pm, seven days a week.
Not all Telephone Banking services are available 24 hours a day, seven days a week.
Is this the right account for you?
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Monthly fee for maintaining the account |
Club Platinum£21 + £3There's a £3 monthly fee for maintaining the account for the Club Lloyds Account, but we'll refund this every month in which you pay in £1,500 or more. From 1 April 2023 you’ll need to pay in £2,000 or more. |
Platinum£21 |
Club Silver£10 + £3There's a £3 monthly fee for maintaining the account for the Club Lloyds Account, but we'll refund this every month in which you pay in £1,500 or more. From 1 April 2023 you’ll need to pay in £2,000 or more. |
Silver£10 |
Club LloydsNo Fee or £3There's a £3 monthly fee for maintaining the account for the Club Lloyds Account, but we'll refund this every month in which you pay in £1,500 or more. From 1 April 2023 you’ll need to pay in £2,000 or more. |
ClassicNo Fee |
Overdraft facility available |
Club Platinum |
Platinum |
Club Silver |
Silver |
Club Lloyds |
Classic |
Credit interestOn balances from £1 up to £5,000. Just pay out two different Direct Debits each month. |
Club Platinum |
Platinum |
Club Silver |
Silver |
Club Lloyds |
Classic |
Lifestyle benefits |
Club Platinum |
Platinum |
Club Silver |
Silver |
Club Lloyds |
Classic |
European and UK travel insurance |
Club Platinum
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Platinum
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Club Silver
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Silver
|
Club Lloyds |
Classic |
Worldwide travel insurance |
Club Platinum
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Platinum
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Club Silver |
Silver |
Club Lloyds |
Classic |
AA Roadside Assistance |
Club Platinum |
Platinum |
Club Silver |
Silver |
Club Lloyds |
Classic |
AA National Recovery & At Home |
Club Platinum |
Platinum |
Club Silver |
Silver |
Club Lloyds |
Classic |
Mobile phone insurance |
Club Platinum |
Platinum |
Club Silver |
Silver |
Club Lloyds |
Classic |
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Club Platinum |
Platinum |
Club Silver |
Silver |
Club Lloyds |
ClassicThe account you're viewing |
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Switch your current account to us in just 7 working days, using our stress-free process
Whether you want to move to Lloyds Bank or you already bank with us and want to open a new Lloyds current account, switching is easy. Our team will do everything to ensure your switch runs smoothly, including transferring all your Direct Debits and standing orders to your new account for you.
You'll be able to switch your account to us at the end of your online application.
Here's how the process works
- Working day 1
The switching begins
We make contact with your old bank to arrange the switch.
- Working day 2
We’ll let you know your old bank has received your request. We then start transferring your payments to your new Lloyds Bank account.
- Working day 3-5
It’ll take a couple of days to switch over your payment arrangements, and make sure your Lloyds Bank account is ready to go for the switch date.
- Working day 6
If you’re clearing a debit balance at your old account, you’ll need to make sure there are enough funds in your Lloyds Bank account to cover the transfer.
- Working day 7
Congratulations, your switch is complete. Your balance is transferred and your old account is closed.
- After you switch
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.
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.
- Working day 1
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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.
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- Personal banking terms and conditions & Banking charges guideopens in a new tab (pdf, 511.1 KB)
- Classic Account welcome packopens in a new tab (pdf, 976.0 KB)
- Fee Information Documentopens in a new tab (pdf, 169.1 KB)
- Classic Offset Account Fee Information Documentopens in a new tab (pdf, 180.3 KB)
- Current account ratesopens in a new tab (web)
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With so much choice, take a look at our other current accounts to see which account suits you best.
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.
Lloyds Bank adheres to The Standards of Lending Practice which are monitored and enforced by the LSB: 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.