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Club Account Upgrade

Club Lloyds Upgrade

Enjoy great benefits with Club Lloyds

When you upgrade to a Club Lloyds Account you’ll keep your existing account number, sort code and any arranged overdraft you may have in place. And you're free to downgrade again at any time.

If you’re upgrading a joint account, we suggest that you’re both present during the application as we’ll ask you both some questions during the upgrade.

Ready to upgrade?

You can upgrade through the mobile app

Select the account you want to upgrade.
Tap on the three dot menu next to your account.
Scroll down and select ‘change account type’ to start the upgrade.

How to upgrade online

Click on the ‘upgrade now’ button below. You’ll be asked to log in to Internet Banking.
You’ll automatically be sent to a new page where you can select the account and start the upgrade.
Confirm your personal details and review the features and conditions of the account.

Features and benefits

Enjoy no debit card fees from us abroad

We won’t charge your debit card fees when you use your card to:

Make payments in a foreign currency
Take out money in any currency from an ATM at home or abroad
Take out money over the counter abroad

If you’re abroad, and choose to pay for something in Pounds, the provider of the currency conversion may still charge you.

Choose a Lifestyle Benefit each year

Whether going to the cinema alone is your guilty pleasure, you enjoy watching endless entertainment on Disney+, relaxing with a magazine, or perhaps your day doesn't officially start until your first coffee. This club has got you covered.

Choose from either 12 months of Disney+, 6 cinema tickets, an annual digital Coffee Club and Gourmet Society membership or an annual magazine subscription.

Discover Lifestyle Benefits

Benefits supplied by selected third-party providers. Limits, terms & exclusions apply.

£3 monthly fee

Club Lloyds will cost you £3 a month. If you pay £2,000 or more into your account in any month, you won’t have to pay the £3 fee. You’ll keep your existing account number, sort code and any arranged overdraft you may have in place. And you're free to downgrade again at any time.

From 2 June 2025, we're increasing the Club Lloyds monthly fee to £5 per month. We'll continue to waive this for each month you pay in £2,000 or more.

To apply for a Club Lloyds account, you need to be:

aged 18 or older
someone who lives in the UK
an EU national or have the right to stay in the UK for at least 12 months

Get up to 6.25% AER/gross fixed on a Club Lloyds savings account

As a Club Lloyds customer, you can take advantage of preferential rates on our saving accounts.

See exclusive savings accounts

Earn monthly credit interest

When you pay out two different Direct Debits each month.

1.50% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (1.49% grossCloseGross rateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a) variable credit interest on balances between £1 and £3,999.99.
3.00% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (2.96% grossCloseGross rateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a) variable credit interest on any part of the balance between £4,000 and £5,000.
You won’t earn interest on any part of your balance over £5,000.

Interest on this account is paid gross, which means we won't deduct any tax from the interest paid on your account. You will need to pay any tax you may owe to HM Revenue & Customs (HMRC).

Monthly credit interest

Access to our mortgage offer

As a Club Lloyds current account customer, you could get a 0.15% discount off the initial rate when you take out a mortgage with us. The offer applies to first time buyers, and customers remortgaging, moving home, switching to a new deal or buying to let.

You must have a Club Lloyds account at the time of mortgage application.

Offers can be withdrawn at any time. Exclusions and conditions apply.

Other exclusive banking offers

Take advantage of some of our other Club account offers.

Travel money - As a Club Lloyds customer you get preferential exchange rates when ordering travel money
Smart Start account - A spending and savings account for 11-15 year olds, with no fees or charges

Our banking offers

Ready to upgrade?

You’re eligible for Club Lloyds. Upgrade through Internet Banking.

Upgrade now Upgrade now

Other ways to apply expandable section

If you’d prefer to speak to someone, call us or visit your nearest branch.

Exclusive savings accounts expandable section
Club Lloyds Monthly Saver

This savings account is for people who want to save regularly for 12 months and get a fixed rate of interest.

Save from £25 to £400 a month.

Receive CF[lbg_aer_22416]% gross/AER fixed interest on your savings. Interest is fixed so it won’t change during the term and is paid annually.

Withdraw your money when you need it without charge.

More about the Club Lloyds Monthly Saver

Club Lloyds Advantage Saver

This account is ideal for people who don’t need to make regular withdrawals, as you earn a higher interest rate if you make fewer withdrawals.

Open with just £1.

Receive CF[lbg_aer_15181]% AER/CF[lbg_grs_26455]% gross variable interest if you make 3 or less withdrawals in the 12 months after opening. Get CF[lbg_aer_16613]% AER/CF[lbg_grs_31379]% gross variable if you make 4 or more withdrawals in the 12 months after opening. Interest is paid monthly.

Withdraw your money when you need it without charge.

More about the Club Lloyds Advantage Saver
Club Lloyds Advantage ISA Saver

This is our cash ISA for Club Lloyds customers which pays more interest if you make fewer withdrawals.

Open with just £1.

Receive CF[lbg_aer_2055]% AER/CF[lbg_grs_30198]% tax free variable interest if you make three or less withdrawals in the 12 months after opening. Get CF[lbg_aer_26225]% AER/CF[lbg_grs_17508]% tax free variable if you make four or more withdrawals in the 12 months after opening. Interest is paid monthly.

Withdraw your money when you need it without charge.

More about the Club Lloyds Advantage ISA Saver

Club Lloyds Saver

This savings account is for people who want to save as often as they like and have instant access to their money.

Open with just £1.

Receive up to CF[lbg_aer_19716]% gross/AER variable interest on your savings. The rate depends on your balance. Interest is paid annually or monthly.

Withdraw money when you like without charge.

More about the Club Lloyds Saver
See our full savings account range
Monthly credit interest expandable section
What is the credit interest rate on this account?
- Balances between £1 - £3,999.99 receive 1.50% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (1.49% grossCloseGross rateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a) variable credit interest, paid monthly.
- Balances between £4,000 - £5,000 receive 3.00% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (2.96% grossCloseGross rateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a) variable credit interest, paid monthly.
- You won’t earn interest on any part of your balance over £5,000.
You just need to pay out two different Direct Debits from your Club Lloyds account each calendar month. Interest is variable, worked out daily and paid monthly.

For example, if you have £4,500, you earn 1.50% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (1.49% grossCloseGross rateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a) variable interest on the first £3,999.99, then 3.00% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (2.96% grossCloseGross rateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a) variable on the rest.

Interest on this account is paid gross, which means we won't deduct any tax from the interest paid on your account. You will need to pay any tax you may owe to HM Revenue & Customs (HMRC).

What do I have to do to earn the credit interest?

You need to pay at least two separate Direct Debits from your Club Lloyds current account each calendar month.

Please note, qualifying Direct Debits must come out monthly, quarterly Direct Debits do not qualify. Also Standing Orders do not qualify.

Can I earn credit interest on balances over £5,000?

No, credit interest is not payable on the amount of any balance over £5,000.

When is the credit interest paid?

If you earn the credit interest, it will usually be paid into your Club Lloyds current account by the second working day of the following calendar month.

If you do not earn the credit interest, you won't receive payment the following calendar month.

If I do not receive the credit interest one month can I earn interest the following month?

Yes, if in any month you do not receive the credit interest, you can still earn interest in future months. Just make sure you pay out two separate Direct Debits in the next calendar month.

Do I have to pay out two separate Direct Debits each month?

No, there is no requirement on this account to pay out two separate Direct Debits each month. You only have to pay out two separate Direct Debits each month to earn the credit interest on balances between £1 - £5,000.
Other banking offers expandable section
Travel money

With a Club Lloyds account you get access to preferential exchange rates when ordering travel money with Lloyds Bank.

Just order from a range of currencies by 3pm for free next working day delivery to your home or your local branch.

Existing Club Lloyds customer?

Login to order travel money

New to Club Lloyds?

More about travel money

Children's account: Smart Start

With Smart Start, the child gets a savings account and a current account. Ideal for 11 to 15 year olds who want their first account with parental oversight.

The child gets their own contactless Visa debit card.

Parent or legal guardian has oversight of account activity.

Interest is earned on savings account only. Earn CF[lbg_aer_19200]% AER/CF[lbg_grsbn_12043]% gross variable interest on balances of £1 to £1,000. Earn CF[lbg_aer_23136]% AER/CF[lbg_grs_25810]% gross variable interest on any money above £1,000. Interest is paid monthly.

More about Smart Start
Get up to 15% cashback expandable section

Cashback with Everyday Offers

With Everyday Offers you can get up to 15% cashback on your credit/debit card purchases or when you pay by Direct Debit, based on the places you usually shop or may like to try, such as clothing stores, DIY outlets and restaurants. Once registered, you can activate your offers through Internet Banking or our Mobile Banking app. Retailer offers may vary.

Everyday Offers
Monthly fee expandable section

When will the £5 monthly fee be refunded?

You'll need to pay at least £2,000 into your Club Lloyds account each calendar month to have the following month's fee refunded.

What deposits qualifies towards the £2,000?

All deposits including cash, cheques, Bacs, Faster Payments and instant transfers in. This includes salaries, pensions and benefits paid in by these methods. Money refunded into your account does not count as a deposit.

Do I need to pay the £2,000 in one deposit?

No, we take the total of all deposits you made in the calendar month. For example, you could pay four separate £500 deposits totalling £2,000 for the month.

Do I need to keep the money in the account?

No, as long as the money is registered into your account, it will count towards the £2,000 requirement to waive the fee. Use any money paid as normal to pay bills, spend or transferred into another account.
Account services & Mobile app features expandable section

Account services

Payments

Our Payments are quick and secure, and we keep things simple. You can also pay a cheque of up to £5,000 into your account by simply taking a photo of your cheque and uploading to the Mobile Banking app. There is a maximum daily limit of £5,000 per day.
Send International Payments in over 30 currencies, with fee-free euro payments.

Debit Card

You can use your Visa Debit Card in over 500,000 locations in the UK and 27 million worldwide.
Tap and pay with a Visa Debit Card up to £100. You can now use our Mobile Banking app to choose a contactless payment limit between £30 and £95. You can also add your card to Apple Pay and Google Pay.
You can withdraw up to £800 a day from a Lloyds Cashpoint or other cash machines.

Save the Change®

Save the Change® makes saving easy. When you buy something with your Lloyds 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 savings account.

Mobile features

Mobile Banking App

Our Mobile Banking app is quick and easy to install and more secure than ever – it's the easy way to stay on top of your money. You can; get app notifications, view your card and PIN, freeze your card, manage subscriptions, and check your Credit Score - with no impact on your credit file. Personal UK Internet Banking customers only. Terms and Conditions apply.

Banking your way

Bank your way with us. There are quick, easy ways other than in branch to manage your money. For 24 hours a day, 7 days a week access, go online with Internet Banking or Mobile Banking, or use Telephone Banking.

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.

Important legal information

Lloyds and Lloyds Bank are trading names of 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.

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.

Club Lloyds Lifestyle Benefits are administered by Blackhawk Network EMEA Ltd, on behalf of Lloyds Bank. The benefits available for selection may be changed or updated from time to time.

Disney Plus and the Disney+ logo are registered trademarks of Disney Enterprises Inc.

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Lloyds and Lloyds Bank are trading names of 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.

Mobile Banking app: Our app is available to UK personal online banking customers and online banking customers with accounts held in Jersey, the Bailiwick of Guernsey or the Isle of Man. You need to have a valid registered phone number. Minimum operating systems apply, so check the App Store or Google Play for details. Device registration required. The app doesn't work on jailbroken or rooted devices. Terms and conditions apply.

Everyday banking

Help & security

Planning ahead

Difficult times

Go paper-free

Current accounts

Features & support

Already bank with us?

Borrowing

Features & support

Already borrowing with us?

Your Credit Score

Mortgages

Features & support

Already with us?

Club Lloyds mortgage offer

Savings accounts

Features & support

Already saving with us?

Think ISA first

Investing

Guides and support

Already investing with us?

Yes, I Invest​

Insurance

Other insurance

Claims

Already insured with us?

Support for existing customers

Car insurance

You can upgrade through the mobile app

How to upgrade online

Enjoy no debit card fees from us abroad

Choose a Lifestyle Benefit each year

£3 monthly fee

Get up to 6.25% AER/gross fixed on a Club Lloyds savings account

Earn monthly credit interest

Access to our mortgage offer

Other exclusive banking offers

Ready to upgrade?

Club Lloyds Monthly Saver

Club Lloyds Advantage Saver

Club Lloyds Advantage ISA Saver

Club Lloyds Saver

Travel money

Children's account: Smart Start

Cashback with Everyday Offers

Account services

Payments

Debit Card

Save the Change®

Mobile features

Mobile Banking App

Banking your way

Mobile Alerts

Important legal information

Products and services expandable section Products and services

Help and security expandable section Help and security

Legal expandable section Legal

About us expandable section About us

Yes, I Invest

Products and services

Help and security

Legal

About us