(reducing to 1.5% AER (1.49% gross p.a.) variable from 1 July 2018)
On balances of £1 to £5,000 when you pay out two separate direct debits each month.
No monthly account fee if you pay in £1,500 each month. If you pay less than £1,500 it will cost you £3 each month.
Each year you can choose either 6 cinema tickets, an annual magazine subscription, or annual Gourmet Society membership.
If you use a Planned Overdraft of £1,200 on your Club Lloyds Account, then we’ll charge you a daily overdraft fee of £1.57. For Club Lloyds, the daily overdraft fee on the first £100 is 0p
Pop into any Lloyds Bank branch and our staff will be happy to help. In busier periods when staff may not be immediately available, we’ll be happy to book an appointment for a later date. You can also call 0345 300 0000 (+44 1733 347 007 from outside the UK) to book an appointment in advance. Lines are open 24 hours a day, 7 days a week.
Call us on 0800 015 4000
Lines are open Monday - Friday 8am - 10pm, Saturday and Sunday 8am - 6pm.
As a Club Lloyds customer you can choose a different Lifestyle Benefit every year per account
Choose 1 of the following 25 magazines to have delivered to your door or downloadable to your device (compatible with Apple and some titles compatible with Android™ devices).
All titles available in print
*Digital subscription available on Apple only
**Digital subscription available on Apple and Android
Apple is a registered trademark of Apple inc. registered in the U.S and other countries. Android is a trademark of Google Inc.
Gourmet Society membership gives you discounts at more than 6,000 restaurants around the UK and Ireland, giving you to unlimited access to offers such as:
As a Club Lloyds customer you'll get exclusive access to offers on a range of Lloyds Bank products.
As a Club Lloyds customer you can take advantage of two mortgage offers
You must have a Club Lloyds current account open at the time of mortgage application.
You'll receive a 0.20% discount off whichever fixed rate you choose. Excludes Negative Equity.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
If you use a Planned Overdraft of £1,200 on your Club Lloyds Account, then we’ll charge you a daily overdraft fee of £1.57. For Club Lloyds, the daily overdraft fee on the first £100 is 0p.
Three month fee free overdraft offer
If you are looking to switch to us we may be able to arrange a fee-free Planned Overdraft for 3 months, subject to application and approval.
To qualify for the fee-free offer you must:
How to apply for a Planned Overdraft
Simply tell us at the start of your bank account application that you wish to apply for a Planned Overdraft. Subject to approval, we will tell you the maximum amount of overdraft we can offer you. If you are switching to us we will show you this amount before you complete your switch form. Applying for an overdraft will not affect your bank account application. It’s easy to apply for an overdraft at the same time as a bank account.
We will transfer everything safely and securely in 7 working days with the Current Account Switch Service.
|Day 1||Day 1-6||Day 7|
|You do||Choose a current account and apply. After applying, complete our switch form.||You can still use your old account and your new Lloyds account.||Enjoy your Lloyds Bank account.|
|We do||We'll start your switch.||We will transfer payments from your old account to your new account.||Switch complete. We move the funds in your old account to your new Lloyds Bank account and close your old account.|
The Current Account Switch Service lets you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.
The service is free to use and you can choose and agree your switch date with us.
We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
If you have money in your old account, we will transfer it to your new account on your switch date.
We will arrange for payments accidentally made to your old account to be automatically redirected to your new account.
We will also contact the sender and give them your new account details. If there are any issues in making the switch, we will contact you before your switch date. If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.
2% AER variable credit interest on your entire balance from £1 to £5,000 (reducing to 1.5% AER (1.49% gross p.a.) variable from 1 July 2018)
Earn variable credit interest on balances between £1 and £5,000 when you pay at least two separate Direct Debits from your Club Lloyds current account each calendar month.
You will still need to pay at least two different Direct Debits from your Club Lloyds current account each calendar month, and no credit interest is payable on the amount of any balance over £5,000.
Club Lloyds interest rates are variable and apply to your whole balance.
Rates below applicable until 30 June 2018 (reducing to 1.5% AER (1.49% gross p.a.) variable from 1 July 2018)
|Balances between||AER Close Annual Equivalent Rate AER means Annual Equivalent Rate. This illustrates what the interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers.||Gross p.a. Close Gross Rate Gross 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.|
£1 - £5,000
For example, if you have £4,000 in your account for one year, you'll receive an interest rate of 2% AERCloseAnnual 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./1.98% 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. variable on your entire balance, provided you pay two separate Direct Debits from your Club Lloyds current account each calendar month.
Interest is calculated daily, and paid monthly, but will not be paid in any month you do not have two separate Direct Debits paid from your account, or on amounts over £5,000.
Please note interest paid before 6th April 2016 will have been paid net (unless you registered the account with us to receive gross interest) . Net is the rate of interest payable after allowing for the deduction of income tax at the rate specified by law (currently 20%).
From 6th April 2016 interest is paid Gross, meaning we will not deduct tax on your behalf. Dependant on your personal circumstances, tax may be due on your interest and it is your responsibility to disclose and pay any tax due directly to HMRC.
Club Lloyds lifestyle benefits terms and conditions
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.
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.
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.
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.
Register for Save the Change and make saving easy. When you buy something with your Lloyds Bank Visa debit card (and your account is in credit), the amount can be rounded up to the nearest pound, and the difference transferred to an eligible Lloyds Bank savings account.
Keep track of your spending and see at a glance where your money goes with our free Internet Banking service.
Add a second person to your account. It’s a convenient way to share outgoings such as household bills, shopping and mortgage/rent payments or budget for holidays and special purchases.
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.