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Platinum Account


Packed with benefits for only £19 per month


Features and benefits

  • Worldwide travel insurance

    Travel cover for you and your family. Up to 45 days per trip and 31 days per year for winter sports. Cover ends at 80 years of age, and cover for your family depends on your circumstances.

  • Breakdown cover

    Cover for your own vehicle or if you're using someone else's. The cover includes Relay and Home Start.

  • Mobile phone insurance

    Worldwide cover for loss, theft, damage and breakdown of your mobile phone (including faults).

  • Card loss assistance

    Help when your credit, debit and store cards get lost or stolen. You can also register cards for family members that live with you.

  • Everyday offers

    Get up to 15% cashback on certain purchases you make with your debit or credit card at a range of high street shops and restaurants.

gift box iconWant to find out more about the Platinum Account?
Select a benefit below to find out more information.


Current Account Switch GuaranteeSwitching 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 for maintaining the account of £19.

    From 1 February 2020, we will be changing the monthly maintaining the account fee for the Lloyds Bank Platinum Account. This will increase by £2, from £19 per month to £21 per month.

  • Other accounts

    We have accounts that give access to banking features with no monthly fee. But they won't have the same benefits as the Platinum Account.

  • Conditions

    Travel insurance, breakdown cover, mobile phone insurance and card loss assistance all have their own terms and conditions and limitations.

Representative example:
If you use an arranged overdraft of £1,200 on your Platinum Account, then we’ll charge you a daily arranged overdraft fee of £1.50. For Platinum Accounts, the daily arranged overdraft fee on the first £300 is 0p.

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 a daily arranged overdraft fee if you use more than the fee-free amount of £300.

- If you use your arranged overdraft but pay it back before midnight the same day, then you won’t pay an arranged overdraft fee 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 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 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.


Account benefits explained

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

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)

We will also provide you with the Insurance Product Information Booklet (PDF) as part of the account application process.

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

  • 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
  • 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))
  • £40 excess may apply
  • 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)

information icon  Claims and assistance

To make a claim call Platinum Membership Services on 0345 850 5300. You can also log your claim with AXA online here.

Abroad and need assistance? Call our 24-hour assistance helpline on +44 1633 815 819.

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

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

We will also provide you with the Insurance Product Information Booklet (PDF) as part of the account application process.

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

information icon  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 AA Accident Management Support, call 0800 374 347.

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

Keep in mind

  • Unauthorised network charges are only covered in the event of a successful loss/theft claim.
  • 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)

We will also provide you with the Insurance Product Information Booklet (PDF) as part of the account application process.

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

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 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 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.

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

We will also provide you with the Insurance Product Information Booklet (PDF) as part of the account application process.

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.

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


Account details

overdraft icon  Arranged overdraft

  • Setting up an arranged overdraft is free.
  • You'll only pay a daily arranged overdraft fee if you use it.
  • You can apply for an arranged 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 an arranged overdraft of £1,200 on your Platinum Account, then we’ll charge you a daily arranged overdraft fee of £1.50. For Platinum Accounts, the daily arranged overdraft fee on the first £300 is 0p.

More about Personal Arranged Overdrafts

cash icon  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 icon  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


card icon  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


people icon  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


person icon  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


mobile icon  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


piggy bank icon  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®


chart icon  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


Applying and switching

computer mouse icon  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


plus icon  Add Club Lloyds for an extra £3 per month

(maximum £22 monthly maintaining the 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

computer mouse icon  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 the Platinum account online


location icon  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.

Find your nearest branch


phone icon  By phone

Call us on 0800 015 4000

Lines are open Monday - Friday 8am - 10pm, Saturday and Sunday 8am - 6pm.

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.


switching logo 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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Existing current account customer? Upgrade through Internet Banking Upgrade now

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

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Financial Services Compensation Scheme

FSCS - Protecting your money

Useful phone numbers

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.

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