The challenging times we’re all experiencing means we’re getting a lot more calls than usual and our call times are longer. So we can support people in the most vulnerable situations, we ask that you only call us if your enquiry is urgent. You can still use our online and mobile banking services and our automated service.

 

LLOYDS BANK CURRENT ACCOUNT

Club Lloyds Platinum Account

Packed with insurance benefits and variable credit interest when you pay at least two separate Direct Debits each month

With cases of coronavirus (COVID-19) being diagnosed in various countries, customers have been contacting AXA and Lloyds Bank to understand how their travel insurance is impacted. You should monitor the situation through official sources such as the Foreign and Commonwealth Office (FCO) and the World Health Organisation (WHO).

It is important to note that if you book a holiday after 18 March 2020, your policy will not cover any trip under the ‘Cancellation or curtailment charges and early return’ section in relation to coronavirus. AXA will continue to cover medical costs if you become ill in a country or region the FCO hasn’t advised against visiting.

If you booked a trip up to and including 18 March 2020 and want to understand the cover you have please read the FAQs. You can also register a claim online.

Features and benefits

  • Worldwide travel insurance provided and underwritten by AXA Insurance UK plc.
    Up to 80 years of age, cover for you and your family (if eligible) for up to 45 consecutive days per trip (for Winter Sports maximum 31 days cover in any calendar year).
  • Breakdown cover provided by Automobile Association Developments Limited (trading as AA Breakdown Services).
    UK Roadside Assistance whether you’re in your own vehicle or someone else’s. The cover includes Relay and Home Start.
  • Mobile phone insurance administered by Lifestyle Services Group Limited with a single insurance provider, Assurant General Insurance Limited.
    Worldwide cover for loss, theft, damage and breakdown (including faults).
  • Earn monthly credit interest
    1.00% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (0.99% annual grossGross rateGross 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.) variable on balances from £1 up to and including £3,999.99, and 2.00% AER (1.98% annual grossGross rateGross 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.) 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.

    Find out moremonthly credit interest
  • Choose your lifestyle benefit
    As a Club Lloyds customer you can choose a different lifestyle benefit every year per account from:
    • 6 cinema tickets,
    • an annual magazine subscription, or
    • annual Gourmet Society membership.
    Find out more llifestyle benefitsbout lifestyle benefits
  • Exclusive access to banking offers
    As a Club Lloyds customer you’ll get exclusive access to offers on a range of Lloyds Bank products including:
    • discounted mortgage rates,
    • preferential savings rates, and
    • home insurance discounts.
    Find out morebanking offers
  • Card loss assistance is provided by Citymain Administrators Ltd (part of SPB UK & Ireland Group Companies).
    Help for when your credit, debit and store cards get lost or stolen. You can register the cards of your family if they live with you.
Current Account Switch Guarantee

Switching to us is now faster and more convenient with the Current Account Switch Service Find out more about the benefits of switching to us.

Keep in mind

  • Monthly maintaining the account fee

The Club Lloyds Platinum monthly maintaining the account fee comprises of:

- Platinum Account monthly maintaining the account fee of £21 per month

Plus

- Club Lloyds monthly maintaining the account fee is Free or £3 per month.

The £3 fee is waived for each month you pay in at least £1,500 into your account. If in any month you don't pay in this amount, you will need to pay the £3 monthly maintaining the account fee.
Maximum combined monthly maintaining the account fee of £24 per month.

  • Other accounts
    There are other accounts available to you that provide banking facilities without additional benefits, and which do not have a monthly maintaining the account fee
  • Conditions and exclusions
    Travel insurance, breakdown cover, mobile phone insurance, and Card Loss Assistance comes with individual terms and conditions and limitations.
  • Credit interest
    If your balance is over £5,000, you'll still earn interest on the first £5,000, but 0% on anything over that. You must ensure you have at least two separate Direct Debits paid from your account each month. View further information on the credit interest.

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 more than the interest-free amount of £50.

- 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 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. All overdrafts are subject to application and repayable on demand. You must be 18 or over to apply.
  • 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.
  • Helpful tools - You can use our eligibility checker and cost calculator to check your eligibility and calculate the cost of an arranged overdraft.
  • Unarranged overdraft - 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.

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.

Representative Example

A variable representative rate of 58.1% APR

A variable interest rate of 27.5% 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

The APR includes Platinum monthly maintaining the account fees of £21, Club Lloyds monthly maintaining the account fees of £3* and an interest free amount of £50

* The Club Lloyds fee of £3 is waived for each month you pay in at least £1,500 into your account

How much does my overdraft cost in pounds and pence?

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

£2.04 for 7 days

£8.94 for 30 days

£17.98 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

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.

 

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

 

  • AXA worldwide travel insurance is provided and underwritten by AXA Insurance UK plc.

    Club Lloyds Platinum benefit - Travel insurance

    Your benefit

    Some key benefits

    Some important exclusions

    Your benefit

    Travel Insurance

    Some key benefits

    • Covers certain Winter Sports
    • Covers UK leisure travel when two or more consecutive nights accommodation is booked
    • Comprehensive cover including:
           -Emergency medical cover (up to £10,000,000)
          -Cancellation or curtailment cover (up to £5,000)
          -Personal accident cover (up to £30,000)
          -Baggage cover (up to £2,500, £500 of which for valuables)
          -Travel disruption cover (up to £5,000)
    • Multi-trip Worldwide travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children).

    Some important exclusions

    • Children must travel with you, your spouse, partner or civil partner or a responsible adult
    • The standard maximum trip duration is 45 consecutive days (for Winter Sports maximum 31 days cover in any calendar year)
    • £40 excess may apply
    • Medical conditions that you and anyone to be covered have, or have had, if they are not all on the ‘No Screen Conditions’ list must be declared and cover agreed with the insurer (there may be an additional premium if the insurer agrees to cover the condition(s))
    • All cover stops on your 80th birthday. As long as you are under 80 your spouse, civil partner or partner will also be covered until they reach 80

    £40 excess may apply.

    Keep in mind the cover is provided whilst you are a United Kingdom resident and are registered with a medical practitioner in the United Kingdom.

    Read the policy documents for full details and exclusions (PDF, 3.3MB)pdf - opens in a new tab

    We will also provide you with the Insurance Product Information Booklet (PDF)pdf - opens in a new tab as part of the account application process.

    Claims and assistance

    If you’re abroad and you need assistance, you can call our 24-hour assistance helpline on +44 1633 815 819Call +44 1633 815 819..

    If you need to make a claim, all you need to do is call Platinum Membership Services on 0345 850 5300Call 0345 850 5300. You can also log your claim with AXA online here.

     

    AA breakdown cover is provided by Automobile Association Developments Limited (trading as AA Breakdown Services).

    Club Lloyds Platinum benefit - AA Breakdown cover

    Your benefit

    Some key benefits

    Your benefit

    AA Breakdown Cover

    Some key benefits

    • Roadside Assistance
    • Accident Management
    • Customer covered, not the vehicle
    • Service is only available in the UK, Channel Islands and Isle of Man
    • Home Start
    • Relay

    Read the policy documents for full details and exclusions (PDF, 3.3MB)pdf - opens in a new tab

    We will also provide you with the Insurance Product Information Booklet (PDF) pdf - opens in a new tab as part of the account application process.

    Assistance and emergencies

    If you break down on the road, call the AA direct on 0800 783 0543Call 0800 783 0543 or Platinum Membership Services on 0345 850 5300Call 0345 850 5300. For AA Accident Management Support, call 0800 374 347Call 0800 374 347..

     

    Mobile phone insurance is administered by Lifestyle Services Group Limited with a single insurance provider, Assurant General Insurance Limited.

    Club Lloyds Platinum benefit - Mobile phone insurance

    Your benefit

    Some key benefits

    Some important exclusions

    Your benefit

    Mobile Phone Insurance

    Some key benefits

    • Insures one phone on a sole account and two phones from joint accounts
    • Repair or replacement phone up to a maximum of £2,000 (including VAT)
    • Covers loss, theft,damage or breakdown (including faults)

    Some important exclusions

    • Excess is £100
    • No more than two successful claims per account holder in any 12 month period

    Keep in mind unauthorised network charges are only covered in the event of a successful loss/theft claim.

    Keep in mind you’ll need to pay a contribution of £100 each time you make a successful claim (this is the excess).

    Read the policy documents for full details and exclusions (PDF, 3.3MB)pdf - opens in a new tab

    We will also provide you with the Insurance Product Information Booklet (PDF) pdf - opens in a new tab as part of the account application process.

    It’s recommended that you register your phone details as it may help simplify the process for any claims you might have to make in the future. Call Platinum Membership Services on 0345 850 5300Call 0345 850 5300 or follow these steps to register your mobile phone through Internet Banking:

    • Log on to Internet Banking
    • Select the ‘More actions’ button on your Platinum Account
    • Then select ‘View account benefits’ found under the ‘Account information and benefits menu’
    • You can register your phone under the ‘Mobile phone insurance’ section

    Card loss assistance

    Card loss assistance is provided by Citymain Administrators Ltd.

    Keep in mind no insurance cover is included with this service which means it does not provide any cover for any financial loss incurred due to the loss or theft of cards.

    Club Lloyds Platinum benefit - Card loss assistance

    Your benefit

    Some key benefits

    Your benefit

    Card Loss Assistance

    Some key benefits

    • With one call day or night, Citymain can request card issuers cancel all financial cards and issue replacements where possible
    • You can register the cards for your family if they live with you
    • You can also register your passport and driving licence numbers with Citymain for easy access should you lose them.

    Read the policy documents for full details and exclusions (PDF, 3.3MB)pdf - opens in a new tab

    We will also provide you with the Insurance Product Information Booklet (PDF) pdf - opens in a new tab as part of the account application process.

    We recommend you register your cards with Citymain. Call Platinum Membership Services on 0345 850 5300Call 0345 850 5300..

  • Earn monthly credit interest

    Earn monthly credit interest of 1.00% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (0.99% annual grossGross rateGross 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.) variable on balances from £1 up to and including £3,999.99, and 2.00% AER (1.98% annual grossGross rateGross 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.) 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.

    Just pay out two different direct debits each calendar month.

    Club Lloyds interest rates are variable and apply to your whole balance.

    Club Lloyds Platinum Credit interest

    Balances between

    AERAnnual Equivalent RateAER 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.Gross RateGross 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.

    Balances between

    £1 - £3,999.99

    AERAnnual Equivalent RateAER 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.

    1.00%

    Gross p.a.Gross RateGross 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.

    0.99%

    Balances between

    £4,000 - £5,000

    AERAnnual Equivalent RateAER 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.

    2.00%

    Gross p.a.Gross RateGross 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.

    1.98%

    For example, when you have £4,500 in your account, you could earn interest of 1.00% AER Annual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily.(0.99% annual grossGross rateGross 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.) on the first £3,999.99 and 2.00% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (1.98% annual grossGross rateGross 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.) on the rest.

    Interest is calculated daily, and paid monthly, but will not be paid in any month you do not have two separate Direct Debits paid from your account, or on amounts over £5,000.

    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.

  • As a Club Lloyds customer you can choose a different Lifestyle Benefit every year per account

    Cinema Tickets

    • 6 cinema tickets to use during the year at over 80 locations across the UK.
    • Cinema tickets can be used for standard 2D admission ticket and can also be used as part payment on non-standard admission, e.g. 3D screenings.
    • Tickets are valid for 12 months.

    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.

    Magazine subscription

    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).

    • Bike**
    • Car**
    • Cosmopolitan*
    • Country Living*
    • Country Walking**
    • ELLE Decoration*
    • ELLE*
    • Empire**
    • Esquire*
    • Food to Love
    • Garden Answers**
    • Good House Keeping*
    • Harper's Bazaar*
    • House Beautiful*
    • Improve Your Coarse Fishing**
    • Landscape
    • Men's Health*
    • Mother & Baby**
    • Practical Photography**
    • Prima*
    • Q**
    • Red*
    • Runner's World*
    • Steam Railway**
    • Today's Golfer**
    • Top Sante**
    • Women's Health*

    All titles available in print
    *Digital subscription available on Apple only
    **Digital subscription available on Apple and Android

    Apple is a registered trademark of Apple inc. registered in the U.S and other countries. Android is a trademark of Google Inc.

    Dining offers

    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:

    • 2 for 1 meals
    • 25% off your total bill
    • 50% off food

    More information

    Find out more about Club Lloyds Lifestyle Benefits

  • As a Club Lloyds customer you'll get exclusive access to offers on a range of Lloyds Bank products

    Savings: Club Lloyds Monthly Saver

    This savings account is for people who want to save regularly for 12 months.

    • Save from £25 to £400 a month.
    • Receive 2.50% gross/AER interest on your savings. Interest is fixed so it won’t change during the term.
    • Withdraw your money when you need it without charge.

    More about the Club Lloyds Monthly Saver

    Savings: Club Lloyds Saver

    This savings account is for people who want the flexibility to save what they like for 12 months.

    • Open with just £1.
    • Receive variable interest on your savings. Interest is 0.20% gross/AER on balances of £25,000 or more, and 0.01% gross/AER on balances below £25,000.
    • Withdraw money when you like without charge.

    More about the Club Lloyds Saver

    Mortgages

    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.

    Find out more

    You can also use our online form to book an appointment in branch to see one of our dedicated Mortgage and Protection Advisers, or call us on 08007 83 35 34.

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

    Home Insurance

    • As a Club Lloyds customer we’ll give you a 10% discount when you take out a new combined buildings and contents policy, upgrade from a buildings-only or contents-only policy to a combined one, or renew an existing combined policy.
    • The Club Lloyds offer is available on Home Solutions and Home Options products and is not available via comparison sites. This offer is in addition to all other offers you may be entitled to. Minimum premiums may apply – please see the separate offer conditions for each product.
    • For more about our Home Solutions insurance visit us in branch or call us on 0800 022 4857. For Home Options insurance please log in to Internet Banking or call us on 0800 056 0122.
  • Debit card

    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.

    More about debit cards

    Banking your way

    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.

    More about ways to bank

    Everyday Offers

    Get up to 15% cashback using Everyday Offers at the type of places you regularly shop. It’s available to UK personal current account customers over 18, who bank online. Retailer offers and cashback amounts may vary.

    More about Everyday Offers

    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.

    Find out more about mobile alerts

    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.

    More about Save the Change®

    Money Manager

    Keep track of your spending and see at a glance where your money goes with our free Internet Banking service.

    More about Money Manager

    Joint account

    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.

    More about joint accounts

    Mobile Banking app

    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.

    More about the Mobile Banking app

    Payments

    All the ways to do everyday banking. And how we make it simple.

    How to make payments

    How to pay in cheques

  • Current Account Switch Guarantee

    As a Lloyds Bank customer, you’ll have access to a fantastic combination of services and banking on the move

    • Banking on the move with our award-winning Mobile Banking App, winner of the 2014 World Innovation Awards for Innovation in the delivery of financial products (Mobile).
    • Banking your way 24/7 with Internet and Telephone Banking.
    • A contactless Visa debit card you can withdraw up to £500 a day at a Lloyds Bank Cashpoint or other cash machines.
    • Access to one of the biggest banking networks in the UK.
    • Get up to 15% cashback using Everyday Offers at the type of places you regularly shop. It’s available to UK personal current account customers over 18 who bank online. Retailer offers and cashback amounts may vary.
    • Keep track of your money, wherever you are with Mobile Alerts.

    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 Club 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.

    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 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.

  • Upgrade your current account

    You can upgrade to this account online if you’re an existing Lloyds Bank current account holder. Simply log on to apply, or register for Internet Banking if you haven’t already.

  • Online

    Fill in our simple online application form. We’ll just need a few bits of information, and you need to be over 18, a resident in the UK, and either an EU national or have permission to stay in the UK for at least 12 months. All you'll need is:

    • address details for the last three years
    • details of your pensions, benefits, income and savings
    • employer's name and address

    Apply for Club Lloyds Platinum account online

    In branch

    Book an appointment at your local branch and a member of staff will help you open the account from start to finish. 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.

    By phone

    Call us on 0800 015 4000
    Lines are open Monday - Friday 8am - 10pm, Saturday and Sunday 8am - 6pm.

You can upgrade online to Club Lloyds Platinum if:

  • you’re an existing Lloyds Bank current account holder
  • you’re aged 18 or older and a resident in the UK
  • you’re an EU national, or have permission 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

Existing current account customer? Upgrade through Internet Banking

Upgrade nowto a club platinum account

New current account customer? It's easy to apply online

Apply nowfor a club platinum account

Useful phone numbers

Lost or stolen cards
0800 096 9779
(+44 1702 278 270 from outside the UK)

Contact us
0345 300 0000
(+44 1733 347 007 from outside the UK)

These lines are available 24/7.

Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an adviser for more information.

Financial Services Compensation Scheme

Protecting Your Money FSCS Protected logo

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 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 18 or over to apply.
Overdrafts are repayable in full on demand. View Arranged Overdraft borrowing fees.
To be eligible for the switcher fee-free offer you must be accepted for an Arranged Overdraft on your Lloyds Bank account, have not had the offer in the last 12 months on your account, and complete a switcher application to switch your account to Lloyds Bank.