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Account closure
We want to make closing a current account with Lloyds as simple as possible.
Before you close your account, you may want to see what other accounts we have. Browse our range of current accounts to see if there’s one that better suits your needs.
Close your current account
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You may be able to close your account through online banking:
- Log in to online banking and select ‘Help & Support’.
- Select ‘Message Us 24/7’ to open the Message Us service.
- Enter ‘Close current account’ and we'll help you.
When using ‘Message Us 24/7’, try and keep your question to 15 words or less. Set up notifications to find out when you receive a reply.
Getting started online
Let’s look at the details
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After processing your current account closure, we'll write to you by post or email to confirm the closure.
You'll need to destroy any debit cards you have for that account. You'll no longer be able to withdraw or pay in money into the account.
If you use the Current Account Switching Service, any direct debits and standing orders set up on your old account will transfer to your new account. Any payments made to your old account will automatically redirect to your new account. We'll also contact the sender with your new account details.
If you don't use the switching service, you'll need to update any payment details yourself. Learn how to change or cancel a standing order here and how to change or cancel a direct debit here.
Be aware that once we close your account, we can't reopen it.
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We're by your side to help you deal with some of the money-related matters when someone has died, including closing a current account.
Visit our bereavement page to understand what you need to do to close an account of someone who has died.
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It's normal that closing a bank account could have an effect on your credit score. This is because the closure of the account will update on your credit profile. How much it affects your score depends on various factors. These include the age of the account and whether it has an arranged overdraft. How you used the account and if you made payments on time may also have an effect.
Any change in your credit score due to closing an account will usually only be temporary.
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Closing a joint account
To close an account, we only need instruction from one of the account holders.
You can do this in the same way as closing a regular current account, in branch, over the phone, by post or using the Web chat function in our mobile banking app.
You'll need to move any direct debits or standing orders and you must make sure you pay off any overdraft debt.
If you want to move to a different provider, you can use the Current Account Switching Service. Your account will be closed automatically as part of that process.
Removing someone from a joint account
To remove someone from a joint account, you'll need to visit a Lloyds branch. Any overdraft debt will need to be paid before we can remove someone from the account. Find your nearest branch.
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We can give copy statements at any time during the five years after your account is closed.
If you still have access to our mobile banking app or online banking through having another account that stays open, you can continue to view electronic copies of your transaction history on your closed account through your Digital Inbox.
If you don't bank online or no longer have access, you can call us. There’s also a range of services for banking in person in your local area.
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Important information about your transaction history
We are able to provide you with access to copy statements (your transaction history) after you have closed your account, and at any time during the following five years.
If you still have access to our Mobile banking app or Online Banking through having another account that remains open, you can continue to view electronic copies of your transaction history on your closed account via your Digital Inbox.
Alternatively, you can request copy statements (your transaction history) after you have closed your account. You can do this at any time during the next five years. In addition, if you’re closing a current account, we will provide you with your transaction history (at no cost) covering up to five years prior to the date of closure, unless you choose not to receive it at that time.
If you’re closing a current account, you can choose:
- how to receive this information
- the period (or periods) you want the information to cover, up to five years ago
- whether you wish to receive it at all at that time
We need to ensure that we send information to the right person at the right address. The volume of paper you will receive could be quite large; up to 60 pages of confidential copy statements if you receive the full five years’ worth of history, and even more for accounts with high transaction levels.
Therefore, when you close your account, before we post you these documents, you should contact us, or visit us in any branch, to confirm which of the following you would prefer:
- If you would like it posted to you:
- Please contact us to confirm (1) the address we should use and (2) what time period you would like the transaction history to cover (up to five years prior to the date you closed your account).
- Please have your account and telephone banking details ready if you call, as we will need to confirm your identity.
- We will aim for your transaction history to arrive within 10 working days of us having confirmed your identity.
- If you would prefer to collect it in a specific branch:
- Please contact us to confirm (1) which branch you would like to collect it from and (2) what time period you would like the transaction history to cover (up to five years prior to the date you closed your account).
- Please have your account and telephone banking details ready if you call, as we will need to confirm your identity.
- We will aim for your transaction history to be ready to collect in branch within 10 working days of us having confirmed your identity.
- If you would prefer to have an electronic copy of your transaction history:
- You can view your transaction history on your closed account online using your Digital inbox if you still have access to our Mobile Banking app or Internet Banking through having other accounts with us.
- If you do not require this information when you close your account:
- You may prefer not to receive your transaction history at all at this stage.
Regardless of your choice, you will be able to request a copy of the same transaction data from us at any point during the five years after you have closed your account.
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