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Your Club Lloyds account has lots of features that you could benefit from. Take a look to make sure you’ve activated everything you can use to get more from your account. Don’t forget, we’ll refund the £5 account fee when you pay £2,000 or more into your Club Lloyds account every month.

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 a cash machine 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.

Enjoy a Lifestyle Benefit

Your Club Lloyds account has lifestyle benefits you can choose from each year. So make sure you have chosen the benefit that suits you best. Every year you can choose from; 12 months of Disney+, saving on a digital Coffee Club and Gourmet Society membership, cinema tickets or an annual magazine subscription.

Log in to your Club Lloyds Lifestyle Benefits account to pick. Your username is your Club Lloyds sort code plus your account number. For example, if your sort code is 30-12-34 and your account number is 01234567, your user name will be 30123401234567.

Log in to Club Lloyds

Are you benefiting from more interest?

As a Club Lloyds customer you could be earning interest on your Club Lloyds account balance:

  • 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 accounts. (1.49% grossGross 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 balances from £1 to £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 accounts. (2.96% grossGross 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 any part of the balance from £4,000 up to and including £5,000.

All you need to do to qualify is have two separate Direct Debits paid out of your Club Lloyds account each calendar month. You don’t earn any interest on balances above £5,000.

Are you using your exclusive saving rates?

As a Club Lloyds customer you can take advantage of your Club Lloyds exclusive savings rates. You can open a Club Lloyds Saver or a Club Lloyds Monthly Saver, or both.

 

Club Lloyds Saver

A Club Lloyds Saver gives you the option to save as little or as much as you’d like. You can have up to 5 different accounts which you can rename to make it easier when you’re saving for specific goals.  All whilst having instant access to your money.

  • Open with just £1
  • Receive up to 1.40% gross/AER variable interest on your savings. The rate depends on your balance
  • Withdraw money when you like without charge
Apply now for a Club Lloyds Saver

Club Lloyds Monthly Saver

A Club Lloyds Monthly Saver gives you the ability to save regularly for 12 months and get a fixed rate of interest.

  • Save from £25 to £400 a month
  • Receive 6.25% grossGross 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./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 accounts. interest on your savings. Interest is fixed so it won’t change during the term
  • Withdraw your money when you need it without charge
Apply now for a Club Lloyds Monthly Saver

Club Lloyds Advantage Saver

A savings account for Club Lloyds customers which pays more interest if you make fewer withdrawals.

  • Open with just £1
  • Receive 3.25% AER/3.20% gross variable interest if you make three or less withdrawals. Get 0.95% AER/gross variable if you make four or more withdrawals. Interest is paid monthly
  • Withdraw money when you need it without charge
Apply now for a 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 3.25% AER/3.20% tax free variable interest if you make three or less withdrawals. Get 0.95% AER/tax free variable if you make four or more withdrawals. Interest is paid monthly
  • Withdraw money when you need it without charge
Apply now for a Club Lloyds Advantage ISA Saver

More than a mortgage – it’s more for you

As a Club Lloyds current account customer you could get an exclusive discount off the initial rate when you take out a mortgage with us. Offer applies to first time buyers, customers who are switching their mortgage to us, moving home or buying to let.

If you already have a Lloyds Bank mortgage, get an exclusive discount off your initial rate when you switch to a new mortgage deal.

You’ll need to hold a Club Lloyds current account to qualify for this offer.

Find out more about the offer

YOU COULD LOSE YOUR HOME IF YOU DON'T KEEP UP YOUR MORTGAGE REPAYMENTS

Save as you spend with Save the Change®

By switching on Save the Change®, we’ll round up what you’ve spent on your Lloyds Bank debit card (to the nearest pound) and add it to your nominated Lloyds Bank savings account, so you can grow your savings whenever you use your card. It’s a clever feature that takes your leftover change that you might not notice and builds it into bigger savings.

You can switch Save the Change® on and off or change your nominated savings account whenever you like through Internet or Mobile Banking.

Find out more about Save the Change®

Get more from your everyday spend

Whether it's the weekly shop or popping out for lunch, Everyday Offers makes it easy to earn up to 15% cashback whilst you shop with your Lloyds Bank debit or credit card. The offers you get will come from selected retailers and could be for places you might like to try, as well as places where you already shop. Merchant offers and cashback amounts vary.

Once you have registered for Everyday Offers in Internet Banking or through your Mobile Banking app, you can activate the offers you’d like to take advantage of and receive cashback into your Club Lloyds account. Cashback will automatically be paid into your account at the end of the month following your redeeming transaction. T&Cs apply.

Find out more about Everyday Offers

Club Lloyds Lifestyle Benefits are only available to Club Lloyds account holders who are resident in the UK and aged 18 or over. Club Lloyds Lifestyle Benefits are administered by Blackhawk Network EMEA Limited, on behalf of Lloyds Bank. The benefits available for selection may be changed or updated from time to time. Benefits provided by selected third party suppliers. Exclusions apply.​

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

To qualify for Everyday Offers you must be aged 18+, have an open Lloyds personal current account with a credit or debit card, and be set up to manage your accounts online. Merchant offers and cashback amounts vary and must be activated through Internet Banking or our mobile banking app. Any cashback earned on credit card purchases will be paid to the primary cardholder, as long as they hold an open Lloyds account with a debit card.
 

Mobile Banking: Mobile Banking is available to Internet Banking customers. We don’t charge you for Internet Banking but your mobile phone provider may charge for some services. Please check with them. Phone signal and functionality may affect services. Terms and conditions apply.

Mobile Banking app: Our app is available to Internet Banking customers with a UK personal account and valid registered phone number. It’s only available to iPhone and Android users. Minimum operating systems apply, so check the App Store or Google Play for details. Our app does not work on jailbroken or rooted devices. You must register your device.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google LLC. Terms and conditions apply.

Calls and online sessions may be monitored and recorded. Not all Telephone Banking services are available 24 hours a day, 7 days a week.

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.

This information is correct as of October 2023 and is relevant to Lloyds products and services only.