The monthly fee is to maintain the account.

Existing customer queries

This account includes insurance and breakdown benefits. You can now view your policy details and make new claims in the app and Internet Banking. Find it in your account menu under 'view account benefits’.

Explore Packaged Bank Accounts

Features and benefits

European and UK family travel insurance

European and UK family travel insurance

  • Multi-trip travel cover for you (up to age 65) and your family (subject to eligibility)
  • Includes cancellation, medical costs and personal belongings cover
  • Cover for winter sports, golf equipment and UK breaks
  • There is some COVID-19 travel cover - Travel Insurance Covid Cover Information - Key Points

European travel insurance administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

 

More about travel insurance benefits and exclusions

 

Mobile phone insurance

Mobile phone insurance

  • Worldwide cover for your mobile phone
  • Covers one phone per account holder
  • Covers breakdown, faults, accidental damage, loss and theft up to £2,000

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

 

More about mobile phone insurance benefits and exclusions

AA Breakdown Family Cover

AA Breakdown Family Cover

  • Roadside Assistance across the UK, Channels Islands and Isle of Man 
  • Family cover - Breakdown family cover that offers cover for you and eligible family members in most vehicles whether travelling as a driver or passenger

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

 

More about AA breakdown benefits and exclusions

Earn monthly credit interest

Earn monthly credit interest

When you pay out two different Direct Debits each month. 

  • 1.50% 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. (1.49% grossCloseGross 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. p.a.) variable credit interest on balances between £1 and £3,999.99
  • 3.00% 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. (2.96% grossCloseGross 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. p.a.) variable credit interest on any part of the balance between £4,000 and £5,000
  • You won’t earn interest on any part of your balance over £5,000

More about credit interest

Choose a Lifestyle Benefit each year

Choose a Lifestyle Benefit each year

  • 6 x cinema tickets at ODEON or Vue cinemas
  • 1 x annual digital Gourmet Society membership
  • An annual magazine subscription
  • 12 x digital movie rentals

Reward provider logos

More about these Lifestyle Benefits

Get up to 15% cashback

Get up to 15% cashback

Earn cashback with Everyday Offers when you pay by credit/debit card or Direct Debit with selected retailers. Merchant offers and cashback amounts vary. Terms and conditions apply.

 

co op, costa, hilton and sky logos

 

More about cashback

Important information

Travel insurance, breakdown cover, and mobile phone insurance come with individual terms and conditions and limitations. 

For travel insurance you may need to declare any medical conditions under this policy, agree cover with Allianz Assistance and an additional premium may apply. If this affects you contact Allianz Assistance directly to find out more.

You might want to visit the MoneyHelper service, which lists firms offering travel insurance for customers with medical conditions. This could help if you’ve been offered cover with a high premium, been refused, or have had cover cancelled due to medical conditions. Think about what might suit your needs best and who you need specialist cover for. For more information access the directory, or call them on 0800 138 7777 (Mon – Fri 8am to 6pm).

    • There is cover for emergency medical assistance overseas if you fall ill (including being diagnosed with an epidemic or pandemic disease)
    • There is cancellation cover if you or your travelling companion are refused boarding on booked transport if the carrier or a Government authority will not let you travel because, at the point of boarding, you or they are showing symptoms of a contagious disease
    • There is cancellation cover for anyone booked to travel and covered under the policy if they, or a companion they are travelling with, are asked to quarantine on an individual basis because of exposure to a contagious disease
    • There won’t be cover if you’re abroad and you are instructed to return home, or choose to leave early to avoid having to quarantine when you get home due to the risk of exposure to a contagious disease. The instruction to return home could be from the UK Government or from the government of the country you’re visiting
    • There is no cover for any amount recoverable from any other source such as your airline or your accommodation provider
    • There is no cover if you choose not to or cannot travel because the FCDO (or any other equivalent government body) advises against travel due to a pandemic

    If you’re a Silver account customer, please read our travel insurance FAQs (PDF, 145KB)

Compare our Packaged Bank Accounts to make sure you get the right level of cover

Featured accounts

 

European and UK Travel Insurance

Worldwide Travel Insurance

Breakdown Roadside Assistance

Breakdown At Home and National Recovery

Mobile Phone Insurance

 

Club Lloyds Silver Account

£10 monthly fee to maintain the account + No fee or £3*

European and UK Travel Insurance

yes icon (up to age 65)

Worldwide Travel Insurance

no icon

Breakdown Roadside Assistance

yes icon

Breakdown At Home and National Recovery

no icon

Mobile Phone Insurance

yes icon

The account you're viewing

 

Club Lloyds Platinum Account

£21 monthly fee to maintain the account + No fee or £3*

European and UK Travel Insurance

yes icon (up to age 80)

Worldwide Travel Insurance

yes icon (up to age 80)

Breakdown Roadside Assistance

yes icon

Breakdown At Home and National Recovery

yes icon

Mobile Phone Insurance

yes icon

* There's a Â£3 monthly Club Lloyds fee, but we’ll refund the £3 fee 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.

    • 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.

Applying for this product does not improve your eligibility for an arranged overdraft.

All overdrafts are subject to application and repayable on demand. You must be 18 or over to apply.

  • Arranged overdraft details

    • £50 interest free amount
    • 27.5% 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 42.8% 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 Â£1,200

    The APR includes monthly maintaining the account fees of £10, 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. From 1 April 2023 you’ll need to pay in £2,000 or more.

    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

     

    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, or upgrade to a Club Lloyds Silver 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 could get a £2 discount on your monthly maintaining the account fee if you have a Club Lloyds Silver account. To qualify, you must have paid the full Silver monthly maintaining the account fee, and in the previous month: 

  • Paid in £4,300 or more into your sole Club Lloyds Silver account or £5,500 or more if it is a joint account; 

or

  • Held savings of £75,000 or more in qualifying bank or savings accounts for the whole month. For sole accounts, these savings can be in joint names or your name only. For joint accounts, these must be in your joint names only

Conditions apply and full details are available here (PDF, 78.4KB).

To find out more, please read these Frequently Asked Questions (PDF, 123KB).

 

New customer? It's easy to apply online

New customer? It's easy to apply online

Apply nowfor a club silver account

Existing customer? Open a new current account or upgrade through Internet Banking

Existing customer? Open a new current account or upgrade through Internet Banking

Log on to applyfor a club silver account

I'd like to open a joint account

I'd like to open a joint account

Joint accountsfor a joint account

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.

More information on the benefits

Silver insurance benefits

  • European and UK multi-trip travel insurance administered by AWP Assistance UK Ltd (Allianz Assistance) and underwritten by AWP P&C SA.

    Important information

    Cover for any medical conditions under this policy: you may need to declare these, agree cover with Allianz Assistance and an additional premium may apply. If this affects you contact Allianz Assistance directly to find out more.

    You might want to visit the MoneyHelper service, which lists firms offering travel insurance for customers with medical conditions. This could help if you’ve been offered cover with a high premium, been refused, or have had cover cancelled due to medical conditions. Think about what might suit your needs best and who you need specialist cover for. For more information access the directory, or call them on 0800 138 7777 (Mon – Fri 8am to 6pm).

    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)
    • European travel insurance including Winter Sports for you and your family (if eligible), for up to 31 consecutive days per trip (for Winter Sports maximum 31 days cover in any calendar year)
    • 24/7 GP telephone service and video consultation service

    Some important exclusions

    • All cover ceases on the account holders 65th birthday - so long as the account holder is under 65 their spouse, partner or civil partner will also be covered until they reach 65
    • 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))
    • £75 excess per adult per incident may apply
    • Children must be 18 or under, 24 or under if they’re in full time education
    • Children must travel with you, your spouse, partner or civil partner or a responsible adult.
    • The standard maximum trip duration is 31 consecutive days (for Winter Sports maximum 31 days cover in any calendar year)
    • There is no cover if travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO) or other regulatory authority
    • There is no cover if you cannot travel or choose not to travel because the FCDO, or any other equivalent government body in another country advises against travel due to a pandemic

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

    Read the policy documents for full details and exclusions (PDF, 2.6MB)opens in a new tab

    We will also provide you with the Insurance Product Information Booklet (PDF, 302KB)opens in a new tab as part of the account application process.

    Claims and assistance

    You can access your packaged bank account benefits, view policy details and make a claim in the app and via Internet Banking.

    • For app, click on ‘view account benefits’ from the more button or search for ‘account benefits’.
    • For Internet Banking head to the ‘account benefits’ section.

    You can also make a claim by calling Silver Membership Services on 0345 603 1839

    Call 0345 850 5300If you’re abroad and need assistance, you can call our 24 hour assistance helpline on +44 (0) 208 239 4010

    You can also visit our payment disputes page, for help if your travel has been disrupted.

    Back to the top

  • AA Breakdown Family 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 Family Cover

    Some key benefits

    • Roadside Assistance 
    • Cover for the account holder and eligible family members, not the vehicle
    • Service is only available in the UK, Channel Islands and Isle of Man

    With AA Breakdown Family Cover, there’s cover for account holders and certain family members in vehicles, whether you or they are the driver or the passenger. Family members must live at the account holder’s home address or be temporarily living away from that address, but still within the UK (e.g. students).

    Eligible family members will include your:

    • Partner*
    • Parents**
    • Siblings***
    • Grandparents 
    • Children**** 
    • Other family members*****

    You’ll all be covered as drivers or passengers in most vehicles, including cars, motorbikes and vans.

    * including spouse, civil partner, fiancé/fiancée

    ** including stepparents, foster parents, father in-law, mother in-law

    *** including brothers, sisters, brother in-law, sister in-law, step-sisters, step-brothers

    **** including stepchildren, foster children, grandchildren, son in-law, daughter in-law

    ***** including aunts, uncles, nieces, nephews and first cousins

    AA Breakdown Family Cover FAQs

    Read the policy documents for full details and exclusions (PDF, 2.6MB)opens in a new tab

    We will also provide you with the Insurance Product Information Booklet (PDF, 302KB) 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 316 0096Call 0800 783 0543 or Silver Membership Services on 0345 603 1839Call 0345 850 5300.

    Back to the top

  • 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
    • If you make a valid claim for a replacement handset, you will receive a refurbished device which has been through a comprehensive checking process to ensure it’s in full working order

    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, 2.6MB)opens in a new tab

    We will also provide you with the Insurance Product Information Booklet (PDF, 302KB) 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. You only need to call us in the event of a claim in which we will register the details of your phone. 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

    You can make a claim by calling Silver Membership Services on 0345 603 1839

    Back to the top

Club Lloyds benefits

  • What is the credit interest rate on this account?

    What is the credit interest rate on this account?

    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.

    1.50%

    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.

    1.49%

    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.

    3.00%

    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.

    2.96%

    You could earn 1.50% 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. (1.49% 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. p.a.) variable credit interest on balances between £1 and £3,999.99, and 3.00% 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. (2.96% 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. p.a.) 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.

    You just need to pay out two different Direct Debits from your Club Lloyds Silver 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 1.50% 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. (1.49% 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. p.a.) variable on the first £3,999.99 and 3.00% 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. (2.96% 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. p.a.) variable 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.

    What do I have to do to earn the credit interest?

    You need to pay at least two separate Direct Debits from your Club Lloyds Silver 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.

    Can I earn credit interest on balances over £5,000?

    No, credit interest is not payable on the amount of any balance over £5,000.

    When is the credit interest paid?

    If you earn the credit interest, it will be paid into your Club Lloyds Silver 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.

    If I miss out on the credit interest one month, can I earn it the next 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.

    Do I have to pay out two separate Direct Debits each 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

    Digital movie rentals

    Enjoy a monthly movie rental from Rakuten TV. Choose from over 4,000 movies, including top new releases and family-favourites to watch online, on your smart TV or any other Rakuten TV compatible device.

    • Each Movie Voucher Code is valid for one Standard or High Definition (HD) movie rental on Rakuten TV. Codes are not valid for TV show rentals, movie purchases or movie rentals priced at £5.49 and above; including Home Premiere and Early Home Release movies, and movies in Ultra High Definition (UHD)
    • Movie Voucher Codes are valid for 35 days from issuance

    Dining offers

    An annual Gourmet Society Plus digital membership gives you 25% off your total bill at thousands of restaurants including national chains and local favourites; as well as up to 25% off on takeaway collections & deliveries and great discounts on theatre tickets, hotels and UK attractions.

    Cinema Tickets

    • You could enjoy 6 Vue or ODEON cinema tickets, valid at over 80 cinemas across the UK
    • Tickets can be used for standard 2D or 3D admission tickets and can also be used as part payment on certain ticket upgrades
    • Tickets are valid for 12 months
    • At Vue cinemas, your vouchers also entitle you to half price popcorn
    • At ODEON cinemas, you can now redeem your vouchers at ODEON Kids Screenings, which come with a free small popcorn per ticket

    Magazine subscription

    Choose 1 of the following magazine to have delivered to your door, downloadable to your device (compatible with Apple and Android devices), or both with a print + digital subscription for selected titles.

    Titles available in digital only or print + digital subscription (Apple and Android):

    • Cosmopolitan
    • Country Living
    • ELLE
    • ELLE Decoration
    • Esquire
    • Good Housekeeping
    • Harper's Bazaar
    • House Beautiful
    • Men's Health
    • Prima
    • Red
    • Runner's World
    • Women's Health

    Titles available in print or digital subscription (Apple and Android):

    • Bike
    • Bird Watching
    • Car
    • Classic Cars
    • Country Walking
    • Empire
    • Garden Answers
    • Improve Your Coarse Fishing
    • Landscape
    • Modern Gardens
    • Mojo
    • Practical Classics
    • Spirit and Destiny
    • Steam Railway
    • Todays Golfer
    • Trail

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

    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 Advantage Saver

    This account is ideal for people who don’t need to make regular withdrawals, as you earn a higher interest rate if you make fewer withdrawals.

    • Open with just £1.
    • Receive 2.25% AER/2.23% gross variable interest if you make three or less withdrawals. Get 0.30% gross/AER variable if you make four or more. Interest is paid monthly.
    • Withdraw your money when you need it without charge.

    More about the Club Lloyds Advantage Saver

    Savings: Club Lloyds Advantage ISA Saver

    This is our cash ISA for Club Lloyds customers which pays more interest if you make fewer withdrawals.

    • Open with just £1.
    • Receive 2.85% AER/2.81% tax free variable interest if you make three or less withdrawals. Get 0.30% AER/tax free variable if you make four or more withdrawals. Interest is paid monthly.
    • Withdraw your money when you need it without charge.

    More about the Club Lloyds Advantage ISA Saver

    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 6.25% 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 up to 1.75% gross/AER variable interest on your savings. The rate depends on your balance.
    • Withdraw money when you like without charge.

    More about the Club Lloyds Saver

    Mortgages

    You could get £250 cashback when you take out a mortgage with us. Offer applies to first time buyers, customers who are switching their mortgage to us or moving home.

    Already have a Lloyds Bank mortgage? You could get an exclusive 0.20% discount off your initial fixed rate when you switch to a new mortgage deal. 

    You must have a Club Lloyds current account open at the time of mortgage application.

    Find out more about Mortgages

    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

    Travel money

    Get preferential exchange rates when ordering travel money with Lloyds Bank.

    Ordering travel money online is simple and secure. If you order by 1pm your money will be sent to your home or local branch the next working day.

    More about travel money

More about this account

Is this the right account for you?

With so much choice, take a look at our other current accounts to see which account suits you best.

Compare our current accounts

Current account FAQs

 
  • Packaged bank accounts typically involve paying a monthly maintaining the account fee in return for additional account perks and benefits. For example, these benefits could include breakdown cover, mobile phone insurance and travel insurance, all of which would be covered by the monthly account fee. These are on top of all the features you might normally expect from a current account. If you have a need for more than one of the benefits, it’s a great way to have your insurances grouped together and can often be seen as more cost effective.

  • 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.

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    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.

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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.