How to open a bank account

You can open a Lloyds current account online. If you can’t open an account online and need your first bank account, some of our accounts can be set up in branch or over the phone.

 

Opening a current account online

You can apply online using the Lloyds app. Existing customers can also apply using online banking.​

  1. Answer a few simple questions about how you plan to use your current account. For example, this might become your main account or a second one for managing bills.​
  2. Confirm some personal information, including your name, address, contact details and whether you rent or own your home.​
  3. Provide your employment and income details, including information about your salary, savings and regular outgoings. 

You’ll receive confirmation once your new bank account is open.​

Open a current account

Compare current accounts

Acceptance is subject to an assessment of your circumstances.

This guide describes the basic information most banks will ask for when you apply to open a current account. You could be asked for additional information, for regulatory reasons.

Switching made easy

Making the switch to a Lloyds current account is simple, reliable and stress free using the Current Account Switching Service.

We’ll ask if you want to switch when you’re applying for a new Lloyds current account. If you do, just make sure you’ve got your existing bank account details to hand.

Account switching guide

Current Account Switch Guarantee logo.

What you’ll need to open a bank account​

You need to be aged 18 or over to open most Lloyds current accounts.​

Why we need this information

When you apply, the information you give will help us to:

  • open the account correctly​
  • meet tax and financial crime rules​
  • identify you so we can complete credit and other checks.

  • We'll need to carry out identification and verification checks on you, and anyone else authorised to operate your account.

    Usually, you'll only need to show a valid passport or UK photo driving licence.​

    If you're an existing customer, you can verify your identity with your chip and PIN bank card.​

    If you can’t show 1 of these items, refer to our full list of proof of identity documents.

    If you don't have any of the listed items, or don’t have a fixed address, contact us or visit a branch for support.

  • Title
    For example, Mr, Mrs, Ms, Mx.

    Full name
    As well as any previous names.

    Date of birth

    Gender

    Marital status

    Nationality
    Including any dual nationalities and immigration status for non-UK nationals.

    Country of birth

    Tax residence
    If you’re a tax resident in multiple countries, or have been within the last 2 years, we’ll need the Tax Identification Number (TIN) for each non-UK tax residency.

  • Current home address
    Including your postcode.

    Resident status
    Renting or homeowner?

    Length of residence
    If you’ve lived at your current address for less than 3 years, you’ll also need to provide previous address details.

    BFPO (British Forces Post Office) addresses 
    We’ll need the Service Number, Rank, Unit, Regiment, Operation Name (if applicable) and BFPO Number.

  • Main phone number​

    Any other phone numbers​

    Email address​

    Marketing preferences
    Tell us if you’d like to receive marketing communications either by email, text message, post or by phone.

  • Your total monthly income after tax​

    Your total amount of savings​

    Will your monthly income be paid into this account?​

    How will you fund or use the account?
    For example, by bank transfer, cash or cheque.​

    Employment status
    Including your occupation, name of employer and start date.​

    Self-employed status
    Including your occupation, company or organisation name and start date.

  • What arranged overdraft limit would you like?

    How many people live with you or depend on you financially?

    What’s your monthly share of mortgage or rent payments?

    What do you spend each month on childcare, maintenance and education?

    Are you aware of any imminent changes in your circumstances?

  • Do you already have travel insurance or another packaged bank account?

    Do you need worldwide travel insurance?

    Are all account holders and family members below 80 years old and are all children under 18 years old?

    Do you need mobile phone insurance?

    Do you need AA breakdown cover?

    You can apply for a packaged account online.

  • Do you want to switch?

    Is this a sole account switch?

    Existing bank details - including:

    • sort code
    • account number
    • name of account holder
    • 16-digit debit card number and expiry date.

    Do you have an existing overdraft? If yes, do you plan to settle this first?

    Do you want text message updates about your switch?

    Do you have a switch date?

Open a current account

Join the millions of customers on our app

 

It's simple in the app

Scan the QR code to get it.

You must be registered for online banking to apply in the app.

Once you're in, select Apply, Current accounts, then Open a current account.

Already a customer?

Easily upgrade or add a new account.

View all your accounts together and we won't ask you for information we already know.

Log in to apply

It's simple in the app

You must be registered for online banking to apply in the app.

Once you're in, select Apply, Current accounts, then Open a current account.

Get the app

Already a customer?

Easily upgrade or add a new account.

View all your accounts together and we won't ask you for information we already know.

Log in to apply

Join the Club

Open a Club Lloyds account to pick a yearly lifestyle benefit and get exclusive access to other offers. You could also earn variable interest on your balance. A £5 monthly fee may apply.

Browse Club Lloyds

You may also like

Joint accounts

A joint bank account could help 2 people to manage their money together.

More about joint accounts

Switch to Lloyds

Switching is simple, reliable and stress-free with the Current Account Switching Service.

More about switching

Overdrafts

An arranged overdraft could give you access to short-term borrowing when you need it.

More about overdrafts
fscs logo

Protecting your money

Current account support

We're here to help you get the most out of your bank account.

Get more support

Current account support

We're here to help you get the most out of your bank account.

Get more support

Important legal information

Lloyds current accounts are provided by Lloyds Bank plc and Bank of Scotland plc, both part of Lloyds Banking Group.