More information on Packaged Bank Accounts

What is a Packaged Bank Account?

A Packaged Bank Account is an account which comes with additional insurance benefits and features in return for a monthly fee.

Our Packaged Bank Accounts typically offer travel insurance, vehicle breakdown cover and mobile phone insurance, and could potentially save you money on these types of products.

Insurances are each provided by a third party, such as the AA who provide the breakdown cover.

Why choose a Packaged Bank Account?

  • Convenience of having all your benefits in one place
  • Potential to save money, rather than having multiple separate policies
  • Manage your benefits and log a claim via the Lloyds Bank mobile app

You should think carefully about your needs and compare the options available to you.

How do I open a Packaged Bank Account?

Already a customer?

New customer? Explore our range of accounts below.

Additional features and benefits of our packaged bank accounts

  • Contactless and mobile payments - get a VISA debit contactless card and use Apple or Google Pay to make mobile payments.
  • Mobile Banking app and Internet Banking - both highly secure and packed with features to make banking fast and convenient, wherever you are.
  • Mobile alerts - to help you keep track of your money.
  • Overdraft facility available - all overdrafts are subject to our assessment of your circumstances, and are repayable on demand.
  • Save the Change® - round your card payments up to the nearest pound to save as you spend.
  • Get up to 15% cashback - earn cashback with Everyday Offers when you pay by credit/debit card or Direct Debit with selected retailers. Merchant offers and cashback amounts vary. Internet Banking registration required. T&Cs apply.

Our packaged bank accounts


£10 monthly fee.

  • Everything you get with the Classic account
  • European and UK multi-trip family travel insurance up to age 65
  • AA Breakdown Family Cover with Roadside Assistance
  • Mobile phone insurance



Club Lloyds Silver

£10 monthly fee, plus a £3 monthly Club Lloyds fee. The £3 Club Lloyds fee is waived each month that you pay in £2,000 or more.

  • Everything you get with the Classic, Club Lloyds and Silver accounts
  • Choose a yearly lifestyle benefit such as a 12 month Disney+ subscription

Club Lloyds Silver


£21 monthly fee.

  • Everything you get with the Classic account
  • Worldwide multi-trip family travel insurance up to age 80
  • AA Breakdown Family Cover with Roadside Assistance, National Recovery and At Home
  • Mobile phone insurance



Club Lloyds Platinum

£21 monthly fee, plus a £3 monthly Club Lloyds fee. The £3 Club Lloyds fee is waived each month that you pay in £2,000 or more.

  • Everything you get with the Classic, Club Lloyds and Platinum accounts
  • Choose a yearly lifestyle benefit such as a 12 month Disney+ subscription

Club Lloyds Platinum

Already got a packaged bank account?

Access your benefits online

You can manage your packaged bank account insurance benefits in the app or via Internet Banking:

  • Log a claim and track its progress via ‘view account benefits'
  • View policy details to make sure you’re covered
  • Directions how to contact the insurers
  • FAQs

Travel Insurance

We have a range of packaged accounts offering travel insurance for you and your family (if eligible), with different levels of cover available to suit your needs.


More about Travel Insurance

AA Breakdown Family Cover

Cover is provided for you and eligible family members travelling in most vehicles. Our range of packaged accounts offer different levels of cover with Roadside Assistance included as standard.


More about AA Breakdown Family Cover

Mobile Phone Insurance

Arranged by Lifestyle Services Group Limited, and provides worldwide cover for loss, theft, damage and breakdown (including faults).


More about Mobile Phone Insurance

How to access your benefits online:

  • Step one

    Open your mobile app and sign in. On your Packaged Bank Account, click on the three dots

    Step two

    Scroll down to click View account benefits

    Scan the QR code to download the app

  • Step one

    Log in to your Internet Banking and next to your Packaged Bank account click More actions

    Step two

    Click on Account Information and Benefits and then scroll down to View account benefits

    Ready to log on?

    When you log on, we’ll ask for:

    • your User ID
    • your password
    • part of your memorable information

    If you don’t know these or they aren’t working, you can reset them online.

    Log on
  • Call 0345 850 5300 if you need to use your benefits or have any questions. Select the benefits you are calling about and one of our team will be happy to help.

    If you're abroad, call +44 (0) 1495 28 12 97. open 24 hours a day, 7 days a week, 365 days a year.

Packaged bank accounts no longer on sale

Select account card image

Select Account

£9 a month fee

Gold account card image

Gold Account

£14.95 a month fee

Not the right account for you?

With so much choice, take a look at our other current accounts to see which account suits you best.

Compare our current accounts

Existing current account customer?

If you would like to know more about managing your account or want to upgrade your existing account there is information on this and much more below.

Manage your account

Joint accounts

Upgrade now

Things you can do online

Report card lost or stolen

Switch in seven days

Switch your account to us within seven working days and get all the benefits of a Lloyds Current Account.

Current Account Switch Guarantee

Important legal information

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.

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.

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