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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 customer you may need to provide proof of identity
Reminder of what this account includes
From 13 December 2023 there will be a change to the benefits that come with this account.
Before you decide if this account is right for you, please read the Guide to Changes (PDF, 186KB) which explains the changes that will be made to the account benefits. Some of these may affect what you're covered for from this date.
Worldwide multi-trip travel insurance administered by AWP Assistance UK Ltd (Allianz Assistance) and underwritten by AWP P&C SA.
Changes to the Travel Insurance benefit
From 13 December 2023 there will be some changes to the benefits that come with this account.
Before you decide if this account is right for you, read the Guide to Changes (PDF, 186KB). Some of these changes may affect what you're covered for from the change date. Below are some key changes affecting this cover:
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).
Some key benefits |
Some important exclusions |
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Some key benefits
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Some important exclusions
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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.
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).
Changes to AA Breakdown Family Cover benefit
From 13 December 2023 there will be some changes to the benefits that come with this account.
Before you decide if this account is right for you, read the Guide to Changes (PDF, 186KB). Some of these changes may affect what you're covered for from the change date. Below are some key changes affecting this cover:
Some key benefits |
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Some key benefits
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:
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.
Some key benefits |
Some important exclusions |
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Some key benefits
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Some important exclusions
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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:
You can make a claim by calling Platinum Membership Services on 0345 850 5300
Assurant provide a mobile device trade in service for UK resident Lloyds Bank customers. You can trade in eligible mobile devices for a cash payment directly into your current account. More information on Assurant.
Account |
Monthly fee to maintain the account |
Travel insurance |
AA Breakdown Family Cover |
Mobile Phone Insurance |
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Account |
Monthly fee to maintain the account£10 |
Travel insurance
|
AA Breakdown Family Cover
|
Mobile Phone Insurance
|
Account |
Monthly fee to maintain the account£21 |
Travel insurance
|
AA Breakdown Family Cover
|
Mobile Phone Insurance
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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.
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.
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 Internet Banking or Mobile Banking. You can also apply to increase your existing arranged overdraft limit too.
From 13 December 2023 there will be some changes to the benefits that come with this account. The Guide to Changes (PDF, 186KB) explains the changes.
You can also apply for this account by booking an appointment at your nearest branch.
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: www.lendingstandardsboard.org.uk.
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.