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Apply for, or upgrade to a Lloyds Platinum Account
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
- £21 monthly fee.
- Worldwide multi-trip travel insurance for you and your family.
- AA Breakdown Family Cover, including Roadside Assistance, At Home cover and National Recovery.
- Worldwide mobile phone insurance.
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.
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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:
- Medical conditions that aren't all on the travel policy “no screen" list must be declared and cover agreed with the insurer. As they do not class a 'hip replacement' as a medical condition it will be removed from the list and you may need to contact Allianz to see if they can cover you. This will depend on the reason for your hip replacement and the guide explains more about this.
- Allianz are making it clearer that where you’ve booked and paid for a group to travel, they’ll only cover costs for people who they insure under the policy.
- There’s Financial Failure cover as part of the existing Travel Insurance. This may be needed if an end supplier that you’ve booked travel or accommodation with becomes insolvent. The provider of this cover and contact numbers will change but this won’t affect what you can claim for and the guide has more details.
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.
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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:
- The AA will change some of their general exclusions and conditions. and they’ll include a right to refuse to provide services where you haven’t maintained the vehicle. For example, where you haven’t permanently repaired a fault following a temporary AA fix.
- There will be a new definition of UK introduced which will include Channel Islands and Isle of Man. For Channel Island residents this means there will no longer be restrictions on where you’re recovered to, if the AA can’t fix the vehicle at the roadside. The AA will provide recovery to any single destination of your choice in the UK, no matter where you live or break down.
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.
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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
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.
Compare our packaged bank accounts to get the right level of cover
|
Account |
Monthly fee to maintain the account |
Travel insurance |
AA Breakdown Family Cover |
Mobile Phone Insurance |
|---|---|---|---|---|
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
|
Please read the important information detailing our optional 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.
- 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.
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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
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.
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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.
- Personal banking terms and conditions & Banking Charges opens in a new tab (pdf, 256.1 KB)
- Platinum Account Welcome Pack opens in a new tab (pdf, 2.5 MB)
- Fee Information Document opens in a new tab (pdf, 206.3 KB)
- Platinum Offset Account Fee Information Document opens in a new tab (pdf, 204.9 KB)
- Platinum Account important information opens in a new tab (web)
- Current account rates opens in a new tab (web)
You can also apply for this account by booking an appointment at your nearest branch.
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: 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.
