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Platinum Account


Packed with benefits for only £17 per month

Please note: From the 1st July 2018, we are making some changes to this account.

The Platinum monthly account fee will increase from £17 to £19 per month.

The Mobile Phone Insurance excess will also change to £100 for all handsets.
You will also be limited to 2 successful Mobile Phone Insurance claims per account holder in a 12 month period.
Full details of these changes and others can be found in the Guide to Changes.


Features and benefits

  • Worldwide travel insurance

    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

    UK Roadside Assistance whether you’re in your own vehicle or someone else’s. The cover includes Relay and Home Start.

  • Mobile phone insurance

    Worldwide cover for loss, theft, damage and breakdown (including faults).

  • Card Loss Assistance

    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.

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 fee

    The Platinum Account has a monthly fee of £17.

  • Other accounts

    There are other accounts available to you that provide banking facilities without additional benefits, and which do not have a monthly account fee

  • Conditions and exclusions

    Travel insurance, breakdown cover, mobile phone insurance, and Card Loss Assistance comes with individual terms and conditions and limitations.

  • Planned Overdraft

    If you are upgrading and don’t already have a Planned Overdraft you can apply for one once you complete this application.

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

Representative example:
If you use a Planned Overdraft of £1,200 on your Platinum Account, then we’ll charge you a daily overdraft fee of £1.28. For Platinum Accounts, the daily overdraft fee on the first £300 is 0p.


Platinum Added Value benefits in full

AXA worldwide travel insurance

  • AXA Worldwide travel insurance including Winter Sports 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).
  • There is no limit on the number of trips each year.
  • Covers UK leisure travel when 2 or more consecutive nights accommodation is booked.
  • All cover ceases on the account holders 80th birthday - so long as the account holder is under 80 their spouse, partner or civil partner will also be covered until they reach 80. Children must be under 18 or under 24 if in full time education and must travel with the account holder, spouse partner or civil partner or a responsible adult.
  • Your cover is comprehensive, and includes:
    • 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 (valuables up to £500 in total)).
    • Travel disruption cover (up to £5,000).

£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)

Claims and assistance

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

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

AA Breakdown Cover

  • Roadside Assistance: assistance at the roadside if you’ve broken down more than a quarter of a mile from home. If your vehicle can’t be fixed at the roadside, you’ll be taken to the AA’s choice of relevant local repairer or local destination of your choice, provided it is no further.
  • Home Start: you get assistance if your vehicle doesn’t start and is within a quarter of a mile of your home address.
  • Relay: you get transport for you, your vehicle and up to seven passengers to your home or any other (single) UK destination, if the AA can’t arrange a prompt local repair.
  • Accident Management: the AA assists you in arranging the repair, recovery and claim processing for vehicles following an accident or vandalism where you’re claiming under your motor insurance.

Read the policy documents for full details and exclusions (PDF, 3.3MB)

Assistance and emergencies

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

Mobile phone insurance

Your insurance, administered by Lifestyle Services Group Limited (LSG) and underwritten by Assurant General Insurance Limited, covers one phone for sole Platinum Account holders, and two phones for joint accounts.

  • It covers phones worldwide up to a maximum individual value of £2,000, including VAT.
  • It covers the cost of replacing the phone in the event of loss or theft, or the cost of repairing (or replacing where the phone cannot be repaired).
  • It covers the cost of unauthorised network charges (calls, data, etc.) from the point your mobile phone is lost or stolen and for up to 24 hours after discovery of the loss or theft made up to £1,500 including VAT for contract phones, and up to £450 including VAT for prepay phones.

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 for Apple iPhones and £50 for all other handsets each time you make a successful claim (this is the excess).

Read the policy documents for full details and exclusions (PDF, 3.3MB)

Platinum Account customers automatically receive mobile phone insurance. However it’s recommended that you register your phone details with us 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 5300 or register online to provide your mobile phone details.

Card Loss Assistance

Card Loss Assistance is provided by Citymain Administrators Ltd. Registered in England and Wales company number 03979666. Registered office: Enterprise House, Isambard Brunel Road, Portsmouth, PO1 2RX.

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.

  • With one call day or night to 0345 850 5300, Citymain can request card issuers cancel all financial cards and issue replacements.
  • You can register the cards for your family if they live with you.
  • You can also securely register your passport and driving licence numbers with Citymain for easy access should you lose them.
  • Please note contact in relation to this service can only be made by the account holder.

Read the policy documents for full details and exclusions (PDF, 3.3MB)

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

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Planned Overdraft

  • Setting up a Planned Overdraft is free.
  • You'll only pay a daily overdraft fee if you use it.
  • You can apply for a Planned Overdraft, where up to the first £300 is fee-free.
  • All overdrafts are subject to our assessment of your circumstances and are repayable on demand.

Representative example:
If you use a Planned Overdraft of £1,200 on your Platinum Account, then we’ll charge you a daily overdraft fee of £1.28. For Platinum Accounts, the daily overdraft fee on the first £300 is 0p.

More about Personal Overdrafts

Debit card

Services that come with Added Value Accounts

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

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

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

Text Alerts

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®

Register for Save the Change and make saving easy. When you buy something with your Lloyds Bank Visa debit card (and your account is in credit), the amount can be rounded up to the nearest pound, and the difference transferred to an eligible Lloyds Bank savings account.

More about Save the Change

Money Manager

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

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 app

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

Upgrade your current account

Upgrades for existing customers

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.

Log on to upgrade

Add Club Lloyds for an extra £3 per month

(maximum £20 monthly account fee)

You can enjoy all the benefits of a Club Lloyds current account alongside your Platinum account. You will still keep all your Platinum benefits if you upgrade to Club Lloyds.

Find out about Club Lloyds Platinum



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 Platinum account online


In branch

Pop into any Lloyds Bank branch and our staff will be happy to help. In busier periods when staff may not be immediately available, we’ll be happy to book an appointment for a later date. You can also call 0345 300 0000 (+44 1733 347 007 from outside the UK) to book an appointment in advance. Lines are open 24 hours a day, 7 days a week.

Find your nearest branch


By phone

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

Switch guarantee logo

Switching with us

We can move your current account to a Lloyds Bank Classic Account in just seven working days. Your standing orders and Direct Debits will be automatically transferred to your new account. All you have to do is let us know the date you want to be switched and provide details of the account you want to switch from.

Current accounts and services are offered subject to your status. They are available only to personal customers who are aged over 18, are resident in the UK, and are either an EU national or have permission to stay in the UK for at least 12 months.

Current Account Switch GuaranteeCurrent Account Switch Service logo


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.



You can upgrade online to 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

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

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

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board.

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

Download the statement of responsibilities

Financial Services Compensation Scheme

FSCS - Protecting your money