Variable credit interest and more great benefits with our Club Lloyds current account.
Each year you can choose either 6 cinema tickets, an annual magazine subscription, or annual Gourmet Society membership.
No monthly maintaining the account fee if you pay in £1,500 each month. If you pay less than £1,500 it will cost you £3 each month.
That’s on balances from £1 up to £5,000. Just pay out two different direct debits each month.
You’ll get 1.00% AER (0.99% annual gross) variable on balances from £1 up to and including £3,999.99, and 2.00% AER (1.98% annual gross) variable on any part of the balance from £4,000 up to and including £5,000. You won’t earn interest on any part of your balance over £5,000.
Upgrade your existing account
Keep the same account details and it doesn't affect your existing payments.Log on to upgrade
Apply for a Club Lloyds current account
We may offer you an arranged overdraft as part of the application, which you can add right away.Apply today
You can also apply for this account by calling us on 0800 015 4000 (Lines are open Monday - Friday 8am - 10pm, Saturday and Sunday 8am - 6pm) 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 7am - 11pm, 7 days a week.
|Balances between||AER Close Annual Equivalent Rate AER means Annual Equivalent Rate. This illustrates what the interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers.||Gross p.a. Close Gross Rate Gross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs.|
£1 - £3,999.99
£4,000 - £5,000
You could earn 1.00% AER (0.99% annual gross) credit interest on balances between £1 and £3,999.99, and 2.00% (1.98% annual gross ) on any part of the balance from £4,000 up to and including £5,000. You won’t earn interest on any part of your balance over £5,000.
You just need to pay out two different direct debits from your Club Lloyds account each calendar month. Interest is variable, worked out daily and paid monthly.
For example, when you have £4,500 in your account, you could earn interest of 1.00% AER (0.99% annual gross) on the first £3,999.99 and 2.00% (1.98% annual gross) on the rest.
Please note interest paid before 6th April 2016 will have been paid net (unless you registered the account with us to receive gross interest) . Net is the rate of interest payable after allowing for the deduction of income tax at the rate specified by law (currently 20%).
From 6th April 2016 interest is paid Gross, meaning we will not deduct tax on your behalf. Dependant on your personal circumstances, tax may be due on your interest and it is your responsibility to disclose and pay any tax due directly to HMRC.
You need to pay at least two separate Direct Debits from your Club Lloyds current account each calendar month.
Please note, qualifying Direct Debits must come out monthly, quarterly Direct Debits are not eligible. Also Standing Orders do not qualify.
No, credit interest is not payable on the amount of any balance over £5,000.
If you earn the credit interest, it will be paid into your Club Lloyds current account by the second working day of the following calendar month.
If you do not earn the credit interest, you won't receive payment the following calendar month.
Yes, if in any month you miss out on the credit interest, you can still earn it in future months. Just make sure you pay out two separate Direct Debits in the next calendar month.
No, there is no requirement on this account to pay out two separate Direct Debits each month. You only have to pay out two separate Direct Debits each month if you want to earn the credit interest on balances between £1 - £5,000.
As a Club Lloyds customer you can choose a different Lifestyle Benefit every year per account
You can now upgrade Vue cinema vouchers for VIP tickets at no extra cost when you book online or at the box office, subject to availability. Cineworld vouchers continue to apply to standard seating only.
Choose 1 of the following 27 magazines to have delivered to your door or downloadable to your device (compatible with Apple and some titles compatible with Android™ devices).
Titles available in print and Digital subscription (Apple)
Food to Love
Good House Keeping
Improve Your Coarse Fishing
Mother & Baby
Titles available in print and Digital subscription (Apple and Android)
Improve Your Coarse Fishing
Mother & Baby
Apple is a registered trademark of Apple inc. registered in the U.S and other countries. Android is a trademark of Google Inc.
Gourmet Society membership gives you discounts at more than 6,000 restaurants around the UK and Ireland, giving you to unlimited access to offers such as:
As a Club Lloyds customer you'll get exclusive access to offers on a range of Lloyds Bank products.
This savings account is for people who want to save regularly for 12 months.
This savings account is for people who want the flexibility to save what they like for 12 months.
As a Club Lloyds current account customer you can take advantage of exclusive offers when you take out a mortgage with us.
You must have a Club Lloyds current account open at the time of mortgage application.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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.
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.
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.
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.
Keep track of your spending and see at a glance where your money goes with our free Internet Banking service.
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.
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.
If you use an Arranged Overdraft of £1,200 on your Club Lloyds Account, then we’ll charge you a daily arranged overdraft fee of £1.83. For Club Lloyds, the daily arranged overdraft fee on the first £100 is 0p.
Three month fee free arranged overdraft offer
If you are looking to switch to us we may be able to arrange fee free Arranged Overdraft for 3 months, subject to application and approval.
How to apply for the arranged overdraft
At the end of your current account application, we may offer you an arranged overdraft. If we do, you can add it right away. You can also apply for one later.
Arranged overdrafts are repayable in full, on demand, and subject to approval.
Are you eligible for the arranged overdraft offer?
To qualify for the fee-free offer you must :
Looking to open a current account with us?
When you apply for this account, we may offer you an arranged overdraft at the end of the application, which you can add right away.
Already have an account with us?
You can apply for an arranged overdraft through Internet or Mobile Banking. You can also apply to increase your existing arranged overdraft limit too.
|Day 1||Day 1-6||Day 7|
|You do||Choose a current account and apply. After applying, complete our switch form.||You can still use your old account and your new Lloyds account.||Enjoy your Lloyds Bank account.|
|We do||We'll start your switch.||We will transfer payments from your old account to your new account.||Switch complete. We move the funds in your old account to your new Lloyds Bank account and close your old account.|
The Current Account Switch Service lets 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.