LLOYDS BANK CURRENT ACCOUNT
Free everyday banking with 24/7 access to manage your money on the go.
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:
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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.
- Setting up an arranged overdraft is free 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.
Applying for this product does not improve your eligibility for an arranged overdraft. All overdrafts are subject to our assessment of your circumstances and are repayable on demand.
Arranged overdrafts are subject to application and approval and repayable on demand. You must be 18 or over to apply. Arranged overdraft limits and interest rates vary based on your individual circumstances.
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
Applying for a Joint Account
You have two options when you are looking to apply to open a joint account:
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:
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 |
Day 1Choose a current account and apply. After applying, complete our switch form. |
Day 1-6You can still use your old account and your new Lloyds account. |
Day 7Enjoy your Lloyds Bank account. |
|
We do |
Day 1We'll start your switch. |
Day 1-6We will transfer payments from your old account to your new account. |
Day 7Switch 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 about our account switching guidePDF opens in a new tab.
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.
With so much choice, take a look at our other current accounts to see which account suits you best.
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.