Lloyds Premier

Get the account that offers Bupa Family GP and Wellbeing Subscription, lifestyle benefits, financial coaching, enhanced rates and more. You’ve earned it.

You’ll need to pay in £5,000 or have £100,000 of qualifying savings or investments with us. We’ll refund the £15 monthly fee each month you meet this criteria.

Open account

Lloyds Premier

Get the account that offers Bupa Family GP and Wellbeing Subscription, lifestyle benefits, financial coaching, enhanced rates and more. You’ve earned it.

You’ll need to pay in £5,000 or have £100,000 of qualifying savings or investments with us. We’ll refund the £15 monthly fee each month you meet this criteria.

Open account

Lloyds Premier benefits

Benefits supplied by selected third-party providers. Limits, terms & exclusions apply.

Your benefits in more detail

Bupa Family GP and Wellbeing Subscription expandable section
You'll access all services through the Bupa app on your smartphone or tablet.

Bupa provides the services remotely by way of phone and videos calls, online sessions and other in app resources.

It includes:

GP appointments and private prescriptions. You’ll need to pay for any medicines prescribed

up to six physiotherapy appointments each year

mental health support including up to 14 counselling sessions each year

on-demand fitness and wellbeing classes

family cover for your partner and children aged up to 24 years old.

It doesn't include:

NHS prescriptions

antenatal or maternity care

immunisations or vaccinations

drug or alcohol rehabilitation services

prescribing certain medications including controlled drugs

physical examinations and reports that need access to full medical reports.

For a full list of inclusions and exclusions see the terms and conditions.

Bupa Family GP and Wellbeing subscription FAQs
Enhanced rates and offers expandable section
Online Fixed Bond 1 year

Fix your interest for a year by locking your savings away.

Open with £500 or more.

Earn 3.35% AER/gross fixed interest on your savings, paid after 12 months. An extra 0.20% AER/gross will be added for Lloyds Premier customers.

You can’t withdraw any money during the term. However, you can close the account, but charges will apply.

You must have a Lloyds Premier current account which has been open for at least 40 days.

As a Lloyds Premier customer you also have access to our Club Lloyds savings products.

See our savings products
Lloyds Premier mortgage rates

You could get a 0.20% discount off the initial rate 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 mortgage? You could get a 0.20% discount off the initial rate when you switch to a new mortgage deal.

Mortgage rate discount will be available up to 5 working days from Lloyds Premier current account opening. You must have a Lloyds Premier current account at the time of mortgage application.

More about Lloyds Premier mortgage products

YOU COULD LOSE YOUR HOME IF YOU DON'T KEEP UP YOUR MORTGAGE REPAYMENTS.

Ready-Made Investments

Investments built by experts, with your first year’s account fee refunded.

Exclusively unlock this service fee-free for your first year. The monthly account fee will be refunded into your Lloyds Premier account after your first-year anniversary. Ongoing fund & transaction charges still apply.

To qualify, customers must invest a minimum of £1,500 within three months of opening the Ready-Made Investment (RMI) account. A minimum value of £1,500 must remain invested in the RMI account until the 1-year anniversary of the RMI account being opened. Read the full terms and conditions.

More about Ready-Made Investments

Remember that the value of investments and the income from them can fall as well as rise, and you may get back less than you invest.

Travel money

With a Lloyds Premier account you get access to preferential exchange rates when ordering travel money with Lloyds.

Just order from a range of currencies by 3pm for next working day delivery to your home or your local branch. Free on orders over £500.

Existing Lloyds Premier customer?

Login to order travel money

New to Lloyds Premier?

More about travel money
Cashback expandable section
Lloyds Premier customers can earn 1% cashback on eligible debit card spend, up to a maximum value of £10 per calendar month*.

For example, a customer spending £850 in eligible transactions in January would earn £8.50 in cashback for that month, paid by the end of February.

Eligibility

To qualify for cashback, you must:  

be aged 18 or over

be a UK resident (and your address on our records must be in the UK)

have your Lloyds Premier account open for the whole month.

How does it work?

Cashback can be earned as soon as you start using your Lloyds Premier debit card.

Cashback usually will be paid into your open Lloyds Premier account by the end of the following month.

The cashback payment will appear as “Premier cashback” on your statement.

Cashback earned can only be paid into your Lloyds Premier current account.

What type of debit card purchases are eligible towards cashback? 

Cashback can only be earned on transactions processed on your Lloyds Premier debit card within the applicable month. 14 days will be allowed for transactions to clear. Transactions which have not cleared after 14 days may not be counted.

Transactions can be made online or in person, including payments using your Lloyds Premier debit card through Apple Pay, Google Pay or similar digital payment wallets.   

If you use your debit card outside of the UK for an eligible transaction, we'll work out cashback on the amount after converting into pounds Sterling. Visa will convert the amount into pounds the day the transaction is processed using their exchange rate.

If you cancel a transaction, receive a refund or if any of the debit card payments are identified as likely to be fraudulent, then those transactions may not be counted. 

You must make sure you have enough money in your account to cover the transactions. If a transaction is declined by us, it will not count towards cashback. 

What debit card transactions are excluded from this offer? 

Cash withdrawals.

Direct debits.

Bank transfers made with or without your debit card.

Debt repayments (e.g. credit card or loan repayments).

Transactions classified as gambling.

Financial services transactions (e.g. money transmission. orders, purchases of foreign currency or travellers cheques, purchases of financial services such as insurance or investments).

Cryptocurrency.

Other points to be aware of:

Any cashback earned will be rounded to the nearest penny.

If you tell us that your Visa debit card is lost or stolen during the offer period, some transactions may be cancelled and will not count towards cashback. Transactions made using one Visa debit card cannot be combined with transactions made using a replacement Visa debit card. This includes if your card is replaced because it expired.

If your Lloyds Premier account is closed before any earned cashback is paid, we’ll try to credit this to another current account or savings account held in your sole or joint name. The statement description may vary if this happens.

If we’re unable to locate a suitable account, we may send a cheque to the address we have for you. Cashback earned across two debit cards in a month may show separately on your statement. The statement description may vary if this happens.

We use the Merchant Category Code (MCC) set by each business to analyse transactions. Sometimes, this means certain purchases won’t qualify for cashback. We can’t change these codes.

We’re not responsible for any loss, cost or charge you incur if this cashback offer is unavailable or affected by an issue that is beyond our reasonable control.

Cashback will not be paid if we reasonably believe that you have broken this agreement or you have tried to gain a cashback offer payment by fraudulent or other illegal means.

We reserve the right to change or modify this offer at any time. If we do make a change, we’ll write to you and tell at least 60 days before the change is made.
Lifestyle benefits expandable section
As a Lloyds Premier customer you can choose a different Lifestyle Benefit every year. There are four benefits available, each to suit different tastes:

Disney+ subscription

Enjoy the biggest blockbuster movies, brand new originals and the latest seasons of much-loved shows. There’s something for everyone to enjoy when you select a 12 month Standard With Ads Disney+ subscription. At this time, you are unable to upgrade your Disney+ subscription to Standard or Premium.

Already have a subscription to Disney+? You can still take advantage of this lifestyle benefit.
Coffee and dining offers

Enjoy exclusive savings with your yearly Coffee Club and Gourmet Society membership:

25% off barista-made drinks at Caffè Nero.

25% off your bill at Pizza Express and thousands of independent restaurants.

50% off pizza takeaway.

Plus, great discounts on theatre tickets and UK attractions.
Cinema tickets

Choose six cinema tickets from either ODEON cinemas or Vue cinemas. At Vue cinemas, your vouchers also entitles you to half price popcorn. At ODEON cinemas, you can redeem your vouchers at ODEON Kids screenings, which come with a free small popcorn per ticket.

Magazine subscription

Choose one magazine to have delivered to your door and downloadable to your device (compatible with Apple and Android devices), or as a digital only subscription.

Apple is a registered trademark of Apple inc. registered in the U.S and other countries. Android is a trademark of Google Inc.
No fees overseas expandable section
We won’t charge you for using your debit card abroad. This includes:

making payments in foreign currencies

withdrawing money from a cash machine in any currency

taking out money over the counter abroad.

Heads up: if you’re abroad, choose to pay in the local currency, that way you avoid the overseas provider's currency conversion.
Monthly credit interest expandable section
Earn credit interest on balances up to £5,000 in your Lloyds Premier account.

1.50% AER/1.49% gross annual interest on balances between £1 and £3,999.99.

3.00% AER/2.96% gross annual 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.

To qualify, make sure you pay two different direct debits from your account each month. If you don’t, you won’t earn any interest for that month.

Before you go ahead

Read full details about our overdraft including rates and charges and any interest free amount expandable section
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 work out 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, online 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, 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

£100 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 have about you

No unarranged overdraft interest, fees or charges

Representative Example

A variable representative rate of 46.33% APR

A variable interest rate of 29.9% EAR

Based on borrowing £1,200

The APR includes the Premier monthly account fees of £15* and an interest free amount of £100.

* The Premier account fee of £15 is waived each month if you have at least £100,000 of assets with LBG or if you pay in at least £5,000 into your account.

How much does my overdraft cost in pounds and pence?

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

£1.96 for 7 days

£8.50 for 30 days

£17.20 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

More about personal arranged overdrafts

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 online banking or mobile banking. You can also apply to increase your existing arranged overdraft limit too.

Log in to apply for an arranged overdraft

Open a Lloyds Premier account today

Join the millions of customers on our app

Let's look at the details

Bupa Family GP and Wellbeing Subscription FAQs expandable section
Can I register for the Bupa Family GP and Wellbeing subscription if I already have a Bupa subscription or Bupa Private Medical plan?

If you already have a Bupa private medical plan or a Bupa health subscription with a remote digital GP - paid for by yourself, your partner or made available by an employer – you may have access to some of Bupa’s digital healthcare services already. If this is the case, you cannot register as you already have the remote digital GP service, but your partner and children may still be able to benefit.

If you don’t have a remote digital GP service with your Bupa private medical plan or Bupa Health subscription, you can register with your Lloyds Premier Bank Account.

As you go through the Bupa registration process, you’ll be advised on what you need to do next to get access to the remote GP service. This may include:

If you have access to a Bupa subscription already, but your partner or children aged between 16-24 don't, your partner and children can register for the Bupa Family GP and Wellbeing subscription.

If your partner doesn’t have a Bupa Subscription, they can register then add the children under 16 to the subscription.

If you are paying for a Bupa GP Subscription, you can cancel this subscription and switch to the Lloyds Premier bank account product without any penalty or notice period.

Anyone over the age of 16 can register for a Bupa account and setup the subscription in the same household as the eligible Lloyds Premier bank account customer.
How the subscription works:

You are eligible to use the subscription for as long as you have a Lloyds Premier account.

Your subscription becomes active once you register with Bupa.

Some services included in the subscription have annual limits. These will reset every 12 months on the anniversary of your registration with Bupa.
How do I activate my Bupa Family GP and Wellbeing subscription?

You’ll need a smartphone which is compatible with the My Bupa app to access and use the Bupa remote subscription services (Android: is available from Version 12 (Snow Cone) onwards. iOS: Versions from 15.x onwards).

If you don’t have a compatible smartphone, the Bupa Family GP and Wellbeing subscription isn’t suitable for you.
How to register:

You will receive a registration e-mail when you open your Lloyds Premier account.

Select the link in the e-mail and follow the instructions to registration you and your family.

Once you’ve registered, you will receive information from Bupa on how to use the full range of remote services with the My Bupa app. This can take up to 24 hours.

You will need the last 4 digits of your Lloyds Premier account to validate your subscription.

We recommend you register your Bupa Family GP and Wellbeing subscription as soon as you can after opening your Lloyds Premier account, this will make sure that the remote services are there when you need them. You can add you partner and any children. Add their details when you first register so they can make the most of everything available to them without delay. If you choose to do this later, you’ll need to contact Bupa.
What do I do if I do not receive the email with the subscription link?

If you haven’t received your email, check your spam folder. If it’s not there, call us on the Lloyds Premier helpline and select option 3.

What do I do if I cannot remember my Bupa subscription email address or password or are experiencing technical problems associated with Bupa?

Call us on the Lloyds Premier helpline and select option 2.

Will I still have access to Bupa Family GP and Wellbeing if I cancel my Lloyds Premier account?

No, from the date you close your Bank account your access to this service will be revoked and you will no longer be able to access the services.
Account services expandable section

Payments

Our payments are quick and secure, and we keep things simple. You can also pay a cheque of up to £10,000 into your account by simply taking a photo of your cheque and uploading to the mobile banking app. There is a maximum daily limit of £10,000 per day.

Send international payments in over 30 currencies, with fee-free euro payments.

Debit card

You can use your Visa debit card in over 500,000 locations in the UK and 27 million worldwide.
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 and £95. You can also add your card to Apple Pay and Google Pay.
You can withdraw up to £800 a day from a Lloyds Cashpoint® or other cash machines.

Save the Change®

Save the Change® makes saving easy. When you buy something with your Lloyds 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 savings account.
Switch to Lloyds expandable section
Switch your current account to us in just 7 working days, using our stress-free process

Whether you want to move to Lloyds or you already bank with us, switching is easy. Our team will do everything to make sure your switch runs smoothly, including transferring all your Direct Debits and standing orders to your new account.

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 account.

Working day 3-5
It will take a couple of days to switch over your payment arrangements, and make sure your Lloyds 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 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'll arrange for payments accidentally made to your old account to be automatically redirected to your new account. We'll also contact the sender and give them your new account details.

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'll 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'll transfer it to your new account on your switch date.

We'll arrange for payments accidentally made to your old account to be automatically redirected to your new account. We'll also contact the sender and give them your new account details.

If there are any issues in making the switch, we'll contact you before your switch date.

If anything goes wrong with the switch, as soon as we are told, we'll refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

Read the account switching guide (PDF, 350KB)pdf - opens in a new tab
More about switching
Terms and conditions expandable section

Personal banking terms and conditions & banking Charges (PDF, 315 KB)

Lloyds Premier welcome pack (PDF, 2.2MB)

Lloyds Premier important information (Web)

Current account rates (Web)

Explore your options

We want to make sure you choose the right account for you. Here are a couple of other options.

Everyday banking

Help & security

Planning ahead

Difficult times

Go paper-free

Current accounts

Features & support

Already bank with us?

Lloyds Premier

Borrowing

Features & support

Already borrowing with us?

Your Credit Score

Mortgages

Features & support

Already with us?

Club Lloyds mortgage offer

Savings accounts

Features & support

Already saving with us?

Think ISA first

Investing

Guides and support

Already investing with us?

Yes, I Invest​

Insurance

Other insurance

Claims

Already insured with us?

Support for existing customers

Car insurance

Lloyds Premier

Lloyds Premier

Lloyds Premier benefits

Bupa Family GP and Wellbeing Subscription

Enhanced rates and offers

Cashback on purchases

Choose a yearly Lifestyle Benefit

No fees overseas

Earn monthly credit interest

Expert financial coaching

A dedicated support team

No fees overseas

Earn monthly credit interest

Expert financial coaching

A dedicated support team

Benefits supplied by selected third-party providers. Limits, terms & exclusions apply.

Ready to apply?

Your benefits in more detail

Online Fixed Bond 1 year

Lloyds Premier mortgage rates

Ready-Made Investments

Travel money

Existing Lloyds Premier customer?

New to Lloyds Premier?

Disney+ subscription

Coffee and dining offers

Cinema tickets

Magazine subscription

Before you go ahead

Who it's for

Things you should know

If you need an arranged overdraft adding to this account

Arranged overdraft information

Arranged overdraft details

Representative Example

How much does my overdraft cost in pounds and pence?

How does our overdraft compare?

Useful tools

Open a Lloyds Premier account today

New to Lloyds

Scan the QR code to apply.

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

Already a customer?

New to Lloyds

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

Already a customer?

Let's look at the details

Payments

Debit card

Yes, I Invest