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Features and benefits

Simple banking

Free everyday banking when you stay in credit. Other fees may apply e.g. using your Visa debit card outside the UK.

Easily apply for an account in our app, no need to call or visit us.

Save the change®

Save money on the go when you pay with your Lloyds Bank debit card, we'll round what you spend to the nearest pound and transfer it to an eligible Lloyds savings account.

Get up to 15% cashback

Get up to 15% cashback when using your Visa debit card at selected retailers. Retailer offers and cashback amounts vary.  Terms and conditions apply.

  • See your future bills and payments​

    With the power to check upcoming payments, you can make sure you’re ready to pay on the day.

    Request a payment

    Request and receive money you’re owed from friends and family in our app.

    Easily share a link or QR code, and friends and family can follow the instructions to pay you back.

    Block or cancel your unused subscriptions​

    See the streaming services, phone bill and food delivery subscriptions you pay for by debit card, all in one place. Plus, you can block or cancel debit card subscriptions you don’t really need.​

    Manage cards & view PIN​

    Whether you’re freezing a lost card, accessing your card details or viewing your PIN, our app puts you in control.​

    Biometrics & security​

    Biometrics uses your fingerprint or face recognition to make logging on faster and more secure. We use some of the latest technologies to fight fraud and help keep you and your money safe.​

    Need help?​

    Message us securely in the app 24 hours a day.

Stay safe from financial crime​

We want you to feel comfortable and safe when you move to the UK. Sadly, some criminals target international students especially those new to the country or banking system. ​We’re here to help you understand the risks and protect you from the potential consequences of involvement in criminal activity.

Moving money

Don't be a money mule.

You may be asked to move money through your account for someone else. This could be from someone you’ve just met, or a message on social media. ​

Never use your bank account to pay in, receive, or send money to someone you don’t know or trust. If you become a money mule, even without knowing it, you’re breaking the law.

Suspicious offers​

Money from someone you don’t know or trust may be linked to crime.​

Be wary of offers for help with currency exchange, tuition fees, or living costs. Take extra care if you’re offered cash, a favour, or someone suggests you can keep some of the money.

Requests for your bank details

Never share your online banking login. Criminals use these to take control of your account and move money without your permission.​

Open a classic account

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

 

New to Lloyds

Scan the QR code to apply.

For the best experience apply in minutes using our mobile app.

 

Don't fancy using the app, you can apply for an account on our website.

Already a customer?

Easily upgrade or add a new account.

View all your accounts together and we won't ask you for information we already know.

 

Log in to apply

New to Lloyds

For the best experience apply in minutes using our mobile app.

Open new current account

Don't fancy using the app, you can apply for an account on our website.

Already a customer?

Easily upgrade or add a new account.

View all your accounts together and we won't ask you for information we already know.

Log in to apply

Explore your options

We want to make sure you know about our other current accounts. Here’s one that might suit you.

Under 19s account

 A bank account that gives you the freedom to learn, save and spend smart.​

Learn about this account

Let’s look at the details

  • 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.

    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.

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  • It is less likely that you will be approved for an overdraft if you have not been a resident in the UK.

    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
    • 29.9% 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 29.9% APR

    A variable interest rate of 29.9% 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:

    £2.45 for 7 days

    £10.73 for 30 days

    £21.68 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

  • Traditional Cantonese and Simplified Mandarin (PDF, 307KB)​

    Hindi (PDF, 209KB)​

    Urdu (PDF, 172KB)

Protecting your money

The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS



Protecting your money

The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS

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Switch to us

Switching your current account to Lloyds is simple, reliable and stress-free with the Current Account Switch Service.

Switch to Lloyds

Stay safe online

Learn how to avoid scams and protect yourself.

How we protect you

Current account support

Learn how to get the most out of your Lloyds current account with our support pages.

Help and guidance

Compare current accounts

We have a range of current accounts to suit your needs.

Browse current accounts

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Compare current accounts

We have a range of current accounts to suit your needs.

Browse current accounts

Important legal information

Lloyds and Lloyds Bank are trading names of 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.

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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