• Account services


    Our Payments are quick and secure, and we keep things simple. You can also pay a cheque of up to £5,000 into your account by simply taking a photo of your cheque and uploading to the Mobile Banking app. There is a maximum daily limit of £5,000 per day.
    Send International Payments in over 30 currencies, with fee-free euro payments.

    Debit Card

    You can use your Visa Debit Card in over 500,000 locations in the UK and 27 million worldwide.
    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 and £95. You can also add your card to Apple Pay and Google Pay.
    You can withdraw up to £800 a day from a Lloyds Bank Cashpoint or other cash machines.

    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.


    Mobile features

    Mobile Banking App

    Our Mobile Banking app is quick and easy to install and more secure than ever – it's the easy way to stay on top of your money. You can; get app notifications, view your card and PIN, freeze your card, manage subscriptions, and check your Credit Score - with no impact on your credit file. Personal UK Internet Banking customers only. Terms and Conditions apply.

    Banking your way

    Bank your way with us. There are quick, easy ways other than in branch to manage your money. For 24 hours a day, 7 days a week access, go online with Internet Banking or Mobile Banking, or use Telephone 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 with our Money Manager and see at a glance where your money goes with our free Internet Banking service.

Classic account not right for you?

Get more with a Club Lloyds account which comes with a lifestyle benefit, such as 12 months of Disney+. You can also earn monthly credit interest, get exclusive access to savings accounts and get other exclusive banking offers.

There is a £3 monthly fee, waived each month that you pay in £2,000 or more.

Club Lloyds

Open a Classic Account today

To apply, you need to be aged 18 or older and live in the UK. If you are not an existing Lloyds Bank customer you may need to provide proof of identity.


Apply with our app

Scan the QR code and join the millions of users on the Mobile Banking app.

Rather apply online?

Continue on the website

Lloyds mobile app image with QR code

Existing customer

Open a new or change your existing account through Internet Banking.


Log in to apply

Joint account

Joint bank accounts are an easy way to help two people manage money.


See joint accounts

Lloyds mobile app image

Apply with our app

Join the millions of users on the Mobile Banking app.

Get started on the app

Rather apply online?

Continue on the website

Existing customer

Open a new or change your existing account through Internet Banking.

Log in to apply

Joint account

Joint bank accounts are an easy way to help two people manage money.

See joint accounts

You can also apply for this account by booking an appointment at your nearest branch

Classic Account not right for you?

Benefits supplied by selected third-party providers. Limits, terms & exclusions apply.

Current account FAQs

  • 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, switching is easy. Our team will do everything to make sure your switch runs smoothly, including transferring all your Direct Debits and standing orders to your new account.

    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 will 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'll arrange for payments accidentally made to your old account to be automatically redirected to your new account. We'll also contact the sender and give them your new account details.

    switch guarantee

    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'll 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'll transfer it to your new account on your switch date.

    We'll arrange for payments accidentally made to your old account to be automatically redirected to your new account. We'll also contact the sender and give them your new account details.

    If there are any issues in making the switch, we'll contact you before your switch date.

    If anything goes wrong with the switch, as soon as we are told, we'll refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

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  • Arranged overdraft information


    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.

    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


  • 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

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.

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