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Snap up £185 when you Switch
To qualify, you’ll need to follow these simple steps;
- Open a new Club Lloyds, Club Lloyds Silver, Club Lloyds Platinum or Lloyds Premier account.
- Use the Current Account Switching Service to switch 3 or more active direct debits and close your bank account held with another bank.
If you received a switching offer since April 2020 for switching to any Lloyds, Bank of Scotland or Halifax Bank account, you won't be eligible again.
Offer ends 28 July 2025. Terms & conditions apply.
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To qualify for the £185 switching offer (“the offer”) you must switch to a new Club Lloyds account, Club Lloyds Platinum account, Lloyds Premier account or Club Lloyds Silver account using the ‘Current Account Switch Service’ to switch from a bank account held with another bank. The following conditions apply:
- Use the ‘Current Account Switch Service’ to transfer all the active credits and debits from the bank account that you hold with another bank to a new Club Lloyds account (a £5 monthly fee may apply), a new Club Lloyds Platinum account (£22.50 monthly fee applies, plus £5 monthly Club Lloyds fee may apply), a new Club Lloyds Silver account (£11.50 monthly fee applies, plus £5 Club Lloyds fee may apply) or a new Lloyds Premier account (£15 monthly fee may apply) (‘qualifying account’). The ‘Current Account Switch Service’ will close your old account with the other bank; and
- Your switch must include the transfer of a minimum of 3 active direct debits from your old account being switched to Lloyd’s as part of the offer. Direct debits set up after your switch has been started and other types of automated payments, such as standing orders and recurring card payments, won’t count towards the offer; and
- Start your switch from your old bank account using the ‘Current Account Switch Service’ to a Club Lloyds account, Club Lloyds Platinum account, Club Lloyds Silver account or a Lloyds Premier account between 01 July 2025 and 28 July 2025
You can’t take part in the offer if:
- You switch to any account other than a Club Lloyds account, Club Lloyds Platinum account, Club Lloyds Silver account or a Lloyds Premier.
- You switch to any existing Lloyds bank account, or you change your existing Lloyds Bank Current account to a Club Lloyds account, Club Lloyds Silver account, Club Lloyds Platinum account or Lloyds Premier account.
- You switch from a Halifax or Bank of Scotland current account.
- You’ve received a switching offer since April 2020 for switching to any Lloyds, Bank of Scotland or Halifax Bank account.
- You are switching to a joint account and one of the parties to the joint account has already received a switching offer since April 2020.
- The bank you are switching from does not participate in the ‘Current Account Switch Service’. To find out more visit www.currentaccountswitch.co.uk.
- You are an employee of Lloyds Banking Group, or if an employee is on any bank account held in joint names.
- The offer applies to applications received in branch, online or by phone from 01 July 2025 and 28 July 2025. The offer is subject to change and can be withdrawn without notice at any time.
- The offer does not automatically guarantee an arranged overdraft and any application for an arranged overdraft facility will be subject to status. If your qualifying account has an arranged overdraft, you won’t pay any daily arranged overdraft interest for 3 months provided you stay within your arranged overdraft limit and do not increase or otherwise change the arranged overdraft limit agreed.
- After 3 months, or if you change your account, you’ll be charged daily arranged overdraft interest applicable to the account you hold if you use your arranged overdraft. Please see the Personal Banking Terms and Conditions and Banking Charges leaflet for full details on arranged overdraft interest. You’ll have been given this when you opened your account, but if you would like another one, please ask in branch or look at www.lloydsbank.com/current-accounts/all-accounts.
- Only one offer is available per customer. Joint accounts will only be paid one payment.
- The offer will be paid directly into your account within ten working days of your switch completing and will appear as a cash credit.
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When will I receive the £185 offer?
We’ll pay it into your account within 10 working days of the switch and will appear as a cash credit.
As an existing Lloyds customer, do I qualify for the £185 offer?
Yes, as long as you open a new qualifying account named in the terms and conditions and you haven’t received a switching incentive from us, Bank of Scotland or Halifax since April 2020. You must complete your switch using the Current Account Switch Service to switch a bank account held elsewhere with at least 3 active direct debits.
Can I change my existing account to one of the qualifying accounts and still receive the offer?
No, you must open a new qualifying account.
To qualify for the offer, do I need to complete the switch at the time of opening my new bank account?
No, as long as you start your switch by the 28 July 2025, you can complete your switch through online banking or on the mobile app.
As part of your application you will be asked if you want to switch before you choose your new account, so have your existing account details to hand.
What’s a direct debit?
It’s a way to pay bills automatically from your current account. You give a business permission to collect money from your account when a payment is due. Direct debit amounts can vary, but the business has to tell you if the amount is changing. Direct debits are covered by the Direct Debit Guarantee.
What is an active direct debit
An active direct debit is one that has been paid to the originator in the last 13 months. This can be any frequency of payment: weekly, monthly, quarterly or annual. If the direct debit has been recently set up and the first payment has not been taken this is not an active direct debit.
What types of payments qualify as direct debits?
Your switch must include the transfer of at least 3 active direct debits from your old account. Direct debits set up after you’ve started your switch won’t count towards the offer. Standing orders and subscriptions are also excluded.
Can I switch a joint account?
Yes. To open a joint account online, both parties must log in to the mobile banking app or online banking. Otherwise, you can open a new Club Lloyds account in one person's name and then book an appointment with your local branch to add the other person. Please note that Lloyds Premier accounts can only be opened in a single name. Also, if either person has already received a switching offer from Lloyds, Halifax, or Bank of Scotland since April 2020, you won't be eligible for the offer.
Exclusive Lloyds Premier benefits
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As a Premier customer you can choose a different Lifestyle Benefit every year. There are four benefits available, each to suit different tastes:
Disney+ subscription
Enjoy the biggest blockbuster movies, brand new originals and the latest seasons of much-loved shows. There’s something for everyone to enjoy when you select a 12 month Standard With Ads Disney+ subscription. At this time, you are unable to upgrade your Disney+ subscription to Standard or Premium.Already have a subscription to Disney+? You can still take advantage of this lifestyle benefit.
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Arranged overdraft information
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.
- You can apply to add an arranged overdraft to your account 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.
Helpful tools - You can use our eligibility checker and cost calculator to check your eligibility and work out the cost of an arranged overdraft.
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.
Amending an arranged overdraft - You can reduce or remove your arranged overdraft at any time through mobile banking, online 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. Using an arranged overdraft increases your overall borrowing and may affect your credit score.
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, 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 application and repayable on demand. You must be 18 or over to apply.
Arranged overdraft details
- £100 interest free amount
- 29.9% EAR (variable) representative
- Your interest rate will be based on how you manage any accounts you have with us and on the credit information we have about you
- No unarranged overdraft interest, fees or charges
More about personal arranged overdrafts
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 online banking or mobile banking. You can also apply to increase your existing arranged overdraft limit too.
To apply, you need to be aged 18 or older, live in the UK and meet the above eligibility criteria.
Let's look at the details
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Can I register for the Bupa Family GP and Wellbeing subscription if I already have a Bupa subscription or Bupa Private Medical plan?
If you already have a Bupa private medical plan or a Bupa health subscription with a remote digital GP - paid for by yourself, your partner or made available by an employer – you may have access to some of Bupa’s digital healthcare services already. If this is the case, you cannot register as you already have the remote digital GP service, but your partner and children may still be able to benefit.
If you don’t have a remote digital GP service with your Bupa private medical plan or Bupa Health subscription, you can register with your Lloyds Premier Bank Account.
As you go through the Bupa registration process, you’ll be advised on what you need to do next to get access to the remote GP service. This may include:
- If you have access to a Bupa subscription already, but your partner or children aged between 16-24 don't, your partner and children can register for the Bupa Family GP and Wellbeing subscription.
- If your partner doesn’t have a Bupa Subscription, they can register then add the children under 16 to the subscription.
- If you are paying for a Bupa GP Subscription, you can cancel this subscription and switch to the Lloyds Premier bank account product without any penalty or notice period.
Anyone over the age of 16 can register for a Bupa account and setup the subscription in the same household as the eligible Lloyds Premier bank account customer.
How the subscription works:
- You are eligible to use the subscription for as long as you have a Lloyds Premier account.
- Your subscription becomes active once you register with Bupa.
- Some services included in the subscription have annual limits. These will reset every 12 months on the anniversary of your registration with Bupa.
How do I activate my Bupa Family GP and Wellbeing subscription?
You’ll need a smartphone which is compatible with the My Bupa app to access and use the Bupa remote subscription services (Android: is available from Version 12 (Snow Cone) onwards. iOS: Versions from 15.x onwards).
If you don’t have a compatible smartphone, the Bupa Family GP and Wellbeing subscription isn’t suitable for you.
How to register:
- You will receive a registration e-mail when you open your Lloyds Premier account.
- Select the link in the e-mail and follow the instructions to registration you and your family.
- Once you’ve registered, you will receive information from Bupa on how to use the full range of remote services with the My Bupa app. This can take up to 24 hours.
- You will need the last 4 digits of your Lloyds Premier account to validate your subscription.
We recommend you register your Bupa Family GP and Wellbeing subscription as soon as you can after opening your Lloyds Premier account, this will make sure that the remote services are there when you need them. You can add you partner and any children. Add their details when you first register so they can make the most of everything available to them without delay. If you choose to do this later, you’ll need to contact Bupa.
What do I do if I do not receive the email with the subscription link?
If you haven’t received your email, check your spam folder. If the email is not in the spam folder, contact the Lloyds Premier Helpline on 0345 878 0015 (int/local 0113 292 0245), and select option 3, they will be able to assist you.
What do I do if I cannot remember my Bupa subscription email address or password or are experiencing technical problems associated with Bupa?
Contact the Lloyds Premier Helpline on 0345 878 0015 (int/local 0113 292 0245) and select option 2.
Will I still have access to Bupa Family GP and Wellbeing if I cancel my Lloyds Premier account?
No, from the date you close your Bank account your access to this service will be revoked and you will no longer be able to access the services.
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Payments
Our payments are quick and secure, and we keep things simple. You can also pay a cheque of up to £10,000 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 £10,000 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.
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Switch your current account to us in just 7 working days, using our stress-free process
Whether you want to move to Lloyds or you already bank with us, switching is easy. Our team will do everything to make sure your switch runs smoothly, including transferring all your Direct Debits and standing orders to your new account.
You'll be able to switch your account to us at the end of your online application.
Here's how the process works
- Working day 1
The switching begins. We make contact with your old bank to arrange the switch.
- Working day 2
We’ll let you know your old bank has received your request. We then start transferring your payments to your new Lloyds account.
- Working day 3-5
It will take a couple of days to switch over your payment arrangements, and make sure your Lloyds account is ready to go for the switch date.
- Working day 6
If you’re clearing a debit balance at your old account, you’ll need to make sure there are enough funds in your Lloyds account to cover the transfer.
- Working day 7
Congratulations, your switch is complete. Your balance is transferred and your old account is closed.
- After you switch
We'll arrange for payments accidentally made to your old account to be automatically redirected to your new account. We'll also contact the sender and give them your new account details.
Current Account Switch Guarantee
We have designed the Current Account Switch Service to let 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'll 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'll transfer it to your new account on your switch date.
We'll arrange for payments accidentally made to your old account to be automatically redirected to your new account. We'll also contact the sender and give them your new account details.
If there are any issues in making the switch, we'll contact you before your switch date.
If anything goes wrong with the switch, as soon as we are told, we'll refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.
- Working day 1
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- You’ll need to pay in £5,000 each month or have £100,000 of savings or qualifying investments with us to be eligible for this account. Qualifying investments include Ready-Made Investments, Share Dealing or Retail Investments Online, with Lloyds. The monthly fee of £15 will be refunded each month you meet the eligibility criteria. We regularly review our accounts and we’ll let you know if you aren’t meeting the criteria.
- You can only have one Lloyds Premier account and can’t also have a Club Lloyds account at the same time:
- If you already have a Club Lloyds account you can upgrade this account to Lloyds Premier to get all the same benefits and more
- If you have a Club Lloyds account with added insurance benefits you can downgrade to a standard Silver or Platinum account with insurance benefits, then open a new Lloyds Premier account to get all the benefits of Club Lloyds and more
- The Lloyds Premier account is not available as a joint account.
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Overdrafts
An arranged overdraft can act as a short-term safety net if you need to borrow a little extra money. Learn more about overdrafts and check your eligibility today.
Current account support
Learn how to get the most out of your Lloyds current account with our support pages.
Switch to us
Switching your current account to Lloyds is simple, reliable and stress-free with the Current Account Switch Service.
If you need information on Premier accounts opened before 2014 go to Premier account.
Important legal information