The monthly fee is to maintain the account.

Features and benefits

Tip: use the scroll bar below to slide between the different features and benefits.

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

  • Worldwide 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

    Some key benefits

    Some important exclusions

    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)
    • 24/7 GP telephone service and video consultation service

    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))
    • £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, 4.7MB)opens in a new tab

    We will also provide you with the Insurance Product Information Booklet (PDF, 1.1MB)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 Platinum Membership Services on 0345 850 5300

    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.

  • AA Breakdown Family Cover is provided by Automobile Association Developments Limited (trading as AA Breakdown Services).

    Club Lloyds Platinum benefit - AA Breakdown cover

    Some key benefits

    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
    • At Home
    • National Recovery


    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 FAQ's

    Read the policy documents for full details and exclusions (PDF, 4.7MB)opens in a new tab

    We will also provide you with the Insurance Product Information Booklet (PDF, 1.1MB) 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 783 0543Call 0800 783 0543 or Platinum Membership Services on 0345 850 5300Call 0345 850 5300.

  • 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

    Some key benefits

    Some important exclusions

    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, 4.7MB)opens in a new tab

    We will also provide you with the Insurance Product Information Booklet (PDF, 1.1MB) 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 Platinum Membership Services on 0345 850 5300

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’.

Existing Customer Queries

Explore Packaged Bank Accounts

    • 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 Platinum account customer, please read our travel insurance FAQs (PDF, 145KB)

  • As a Platinum Account customer you 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

  • 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

    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.

    Securely view your debit card PIN and card details in the app - to allow you to complete a transaction in-person or online.

    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

    Cashback with Everyday Offers

    With Everyday Offers you can get up to 15% cashback on your credit/debit card purchases or when you pay by Direct Debit, based on the places you usually shop or may like to try, such as clothing stores, DIY outlets and restaurants. Once registered, you can activate your offers through Internet Banking or our Mobile Banking app. Retailer offers and cashback amounts may vary.

    More about Everyday Offers

    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.

    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®

    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

    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

    Manage subscriptions - view, cancel and block regular subscription payments in the mobile banking app.

    24/7 mobile and internet banking - you can also visit us in branch or contact through telephone banking.


    All the ways to do everyday banking. And how we make it simple.

    How to make payments

    How to pay in cheques

    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.

    Credit Score

    Check your Credit Score - no impact on your credit file.

Club Lloyds Platinum

Our Club Lloyds Platinum account comes with the benefits of Platinum, plus Club Lloyds benefits. There is a £21 monthly Platinum fee plus a £3 monthly Club Lloyds fee, but we’ll refund the £3 every month if you pay in £2,000 or more. 

If you either pay in a qualifying amount or hold qualifying savingsPay £4,300 or more (sole) or £5,500 or more (joint) into your account OR hold at least £75,000 in qualifying accounts. Conditions apply. you could get a discount on your Platinum fee.

Club Lloyds Platinum

Apply for, or upgrade to a Lloyds Platinum account today

To apply for this account, you need to be aged 18 or older and live in the UK.

If you are not an existing Lloyds Bank customer you may need to provide proof of identity.

New customer?

New customer?

Apply online and we should be able to give you a decision within 10 minutes.

Apply now for a Platinum account.

Existing customer?

Existing customer?

Open a new current account or change your account through Internet Banking.

Log in to apply

I'd like to open a joint account

I'd like to open a joint account

Joint accounts for a joint account

You can also apply for this account by calling us on 0800 015 4000 (Line 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.

Choose the best current account for you

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

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.

    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.

    crystal mark 20785

  • 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
    • 39.9% 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 67.7% APR

    A variable interest rate of 39.9% 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

    The APR includes monthly maintaining the account fees of £21 and an interest free amount of £50

    How much does my overdraft cost in pounds and pence?

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

    £2.87 for 7 days

    £12.42 for 30 days

    £25.18 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


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:

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.