If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. You can use our coronavirus support tool to find the right solution for your needs and confirm what you would like to do in a few simple steps.



Premier Account

This account is no longer available for new customers. The monthly maintaining the account fee for existing Premier Account holders is £28.

Premier Account

As the impact of coronavirus (COVID-19) is felt across the UK, customers have been contacting AXA and Lloyds Bank to understand how their travel insurance is impacted. Since the World Health Organisation (WHO) announced that the coronavirus outbreak is a pandemic, this is now a ‘known event’. This means that if you book any travel or holiday after 18 March 2020, your policy will not cover cancellation and early returns related to coronavirus.

AXA will continue to cover medical costs if you become ill in a country or region the Foreign and Commonwealth Office (FCO) hasn’t advised against visiting.

If you are an existing customer, please read our FAQs to understand your cover in more detail. You can also register, service and check for updates on a claim online.

Features and Benefits

  • Worldwide travel insurance

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).

  • Breakdown cover

UK Roadside Assistance whether you’re in your own vehicle or someone else’s. The cover includes Relay, Home Start and Stay Mobile.

  • Mobile phone insurance

Worldwide cover for loss, theft, damage and breakdown (including faults).

  • Home emergency cover

Fast, professional help for home emergencies.

  • Arranged overdraft

You can apply for an arranged overdraft where up to the first £250 is interest-free.

  • Card Loss Assistance

Help for when your credit, debit and store cards get lost or stolen. You can register the cards of your family if they live with you.

  • Identity Monitor

Get help to spot the early warning signs of identity theft.

Keep in mind

  • Not available to new customers

This account is no longer available for new customers. Existing Premier Account holders can still take advantage of the benefits and features listed below. 

  • Monthly maintaining the account fee

The Premier Account has a monthly maintaining the account fee of £28.

  • Conditions and exclusions

Travel insurance, breakdown cover, mobile phone insurance, Identity Monitor and Card Loss Assistance come with individual terms and conditions and exclusions.

  • Arranged overdraft

All arranged overdraft applications are subject to approval after our assessment of your circumstances.

Arranged overdrafts

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 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.

  • 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 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.
  • 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 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 our assessment of your circumstances and are repayable on demand.

Representative Example

A variable representative rate of 69.7% 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 £28 and an interest free amount of £250

How much does my overdraft cost in pounds and pence?

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

£1.56 for 7 days

£6.85 for 30 days

£13.83 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

Arranged overdrafts are subject to application and approval and repayable on demand. You must be 18 or over to apply. Arranged overdraft limits and interest rates vary based on your individual circumstances.


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


  • AXA worldwide travel insurance
    • AXA Worldwide travel insurance including Winter Sports 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).
    • There is no limit on the number of trips each year.
    • Covers UK leisure travel when 2 or more consecutive nights accommodation is booked. All cover ceases on the account holders 80th birthday - so long as the account holder is under 80 their spouse, partner or civil partner will also be covered until they reach 80. Children must be under 18 or under 24 if in full time education and must travel with the account holder, spouse partner or civil partner or a responsible adult.
    • Your cover is comprehensive, and includes:
      • 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 (valuables up to £500 in total)).
      • Travel disruption cover (up to £5,000).

    £40 excess may apply.

    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 document for full details and exclusions (PDF, 1.43 MB)PDF opens in new tab

    Claims and assistance

    If you’re abroad and you need assistance, you can call our 24-hour assistance helpline on +44 1633 815 819.

    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 or log on to the Lloyds Bank travel insurance website.

    AA Breakdown Cover
    • Roadside Assistance:assistance at the roadside if you’ve broken down more than a quarter of a mile from home. If your vehicle can’t be fixed at the roadside, you’ll be taken to the AA’s choice of relevant local repairer or local destination of your choice, provided it is no further.
    • Home Start: you get assistance if your vehicle doesn’t start and is within a quarter of a mile of your home address.
    • Relay: you get transport for you, your vehicle and up to seven passengers to your home or any other (single) UK destination, if the AA can’t arrange a prompt local repair.
    • Stay Mobile:if you break down from your home and a prompt repair isn’t possible, you’ll get either a replacement hire car for up to 72 hours, overnight accommodation, or reasonable onward travel expenses.
    • Accident Management:the AA assists you in arranging the repair, recovery and claim processing for vehicles following an accident or vandalism where you’re claiming under your motor insurance.

    Read the policy document for full details and exclusions (PDF, 1.43 MB)PDF opens in new tab

    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. For Accident Management support, call 0800 374 347.

    Mobile phone insurance

    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.

    • It covers phones worldwide up to a maximum individual value of £2,000, including VAT.
    • It covers the cost of replacing the phone in the event of loss or theft, or the cost of repairing (or replacing where the phone cannot be repaired).
    • It covers the cost of unauthorised network charges (calls, data, etc.) from the point your mobile phone is lost or stolen and for up to 24 hours after discovery of the loss or theft made up to £1,500 including VAT for contract phones, and up to £450 including VAT for prepay phones.

    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, 1.43 MB)PDF opens in new tab

    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 Premier 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 Premier Membership Services on 0345 604 0440

    Home Emergency cover

    Home Emergency cover is underwritten by UK Branch of Inter Partner Assistance S.A., and gives you fast, professional help for household emergencies.

    • Get access to a 24-hour call-out service to help you sort out domestic emergencies at home.
    • Assistance is provided by a network of approved tradespeople across the UK.
    • Call-outs, parts, materials and labour all covered for up to £1,000 per emergency.
    • There is no excess and no limit on the number of times you can call.

    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.

    Read the policy document for full details and exclusions (PDF, 1.43 MB)PDF opens in new tab

    Card Loss Assistance

    Card Loss Assistance is provided by Citymain Administrators Ltd. Registered in England and Wales company number 03979666. Registered office: Enterprise House, Isambard Brunel Road, Portsmouth, PO1 2RX.

    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.

    • With one call day or night on 0345 604 0440, Citymain can request card issuers cancel all financial cards and issue replacements.
    • You can register the cards for your family if they live with you.
    • You can also securely register your passport and driving licence numbers with Citymain for easy access should you lose them.
    • Please note contact in relation to this service can only be made by the account holder.

    Read the policy document for full details and exclusions (PDF, 1.43 MB)PDF opens in new tab

    Register your cards

    We recommend you register your cards with Card Loss Assistance. Call Premier Membership Services on 0345 604 0440 or you can also find out more through your Accounts benefit tab in Internet Banking.

    Identity Monitor

    Identity Monitor gives you help to spot the early warning signs of identity theft. With Identity Monitor, you can receive email or text alerts to let you know of changes to your credit report so you can take action if you suspect fraud. And if your identity has been targeted, you’ll have a team of experts on your side.

    • Receive text or email alerts when credit is taken out in your name or your credit profile changes significantly.
    • Access your credit report online or by post.
    • See a summary of activity including changes (if any) in your credit report and to your Experian credit score every quarter.
    • Have a personal identity theft risk assessment (if you want one).
    • If you are affected by identity theft, a dedicated case worker will help you put things right.

    Find out more about Identity Monitor or visit the Account Benefits tab of your Premier Account in your Internet Banking and follow the instructions. To register you can call the Premier membership services number on 0345 604 0440.

  • 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.

    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.

    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.

    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.

    Money Manager

    Keep track of your spending and see at a glance where your money goes with our free Internet Banking service.

    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.

  • With so much choice, take a look at our other current accounts to see which account suits you best.

    Compare accounts now

Useful phone numbers

Lost or stolen cards

0800 096 9779

(+44 1702 278 270 from outside the UK)

Contact us

0345 300 0000

(+44 1733 347 007 from outside the UK)

These lines are available 24/7.

Financial Services Compensation Scheme

FSCS - Protecting your money

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.

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.