Mortgage support
Worried about paying your mortgage? We have various ways that we can help you.
This account is no longer available for new customers. The monthly maintaining the account fee for existing Premier Account holders is £28.
If you’re a Premier account customer, please read our FAQs (PDF, 145KB) for more information about the travel insurance which comes with your account and COVID-19. Or, you can visit our payment disputes page, for help if your travel has been disrupted.
Up to 80 years of age, cover for you and your family (if eligible) for up to 62 consecutive days per trip (for Winter Sports maximum 31 days cover in any calendar year).
Whether you or your eligible family members are in their own vehicle or someone else’s.
Worldwide cover for loss, theft, damage and breakdown (including faults).
Fast, professional help for home emergencies.
You can apply for an arranged overdraft where up to the first £250 is interest-free.
This account is no longer available for new customers. Existing Premier Account holders can still take advantage of the benefits and features listed below.
The Premier Account has a monthly maintaining the account fee of £28.
Travel insurance, breakdown cover and mobile phone insurance come with individual terms and conditions and exclusions.
All arranged overdraft applications are subject to approval after our assessment of your circumstances.
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).
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. This application won't 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.
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 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).
£75 excess per adult per incident may apply.
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 document for full details and exclusions (PDF, 4.8MB)
If you’re abroad and you need assistance, you can call our 24-hour assistance helpline on +44 (0)208 239 4010.
If you need to make a claim or manage your cover, all you need to do is call Premier Membership Services on 0345 604 0440. Lines are open 24/7.
Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information. Or, log on to the Allianz Assistance Hub that can be securely accessed through your banking app or by using Internet Banking.
More about AA Breakdown Family Cover
Read the policy document for full details and exclusions (PDF, 4.8MB)
Assistance and emergencies
If you break down on the road, call the AA directly on 0800 0320371, or Premier Membership Services on 0345 604 0440.
Your insurance, administered by Lifestyle Services Group Limited (LSG) and underwritten by Assurant General Insurance Limited, covers two phones for sole Premier Account holders, and three phones for joint accounts.
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 document for full details and exclusions (PDF, 4.8MB)
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 Premier Membership Services on 0345 604 0440
Home Emergency cover is underwritten by UK Branch of Inter Partner Assistance S.A., and gives you fast, professional help for household emergencies.
In a domestic emergency which threatens your house or health and safety please call within 24 hours the Home Emergency helpline on 0345 070 0524. The helpline is available 24 hours a day, 7 days a week.
Find out more about Home Emergency cover
Read the policy document for full details and exclusions (PDF, 4.8MB)
With so much choice, take a look at our other current accounts to see which account suits you best.
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.
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 18 or over to apply.
Overdrafts are repayable in full on demand. View Arranged Overdraft borrowing fees.