Packaged Bank Accounts

Explore our current accounts which offer a variety of lifestyle and insurance benefits, making them a great alternative to an everyday bank account.


If you’re a packaged bank account customer, please read our FAQs (PDF, 140KB) for more information about the travel insurance which comes with your account and COVID-19. You can also use our handy travel disruption tool, for help if your travel has been disrupted.

From 21 November 2021 there will be some changes to the benefits that come with this account. 

Before you decide if this account is right for you, read the Guide to Changes (PDF, 807KB), which details all benefit changes. It’s important that you read this before proceeding because the changes may affect what you're covered for from the change date.

We’ve also created some useful Frequently Asked Questions about these changes.

Already got a packaged bank account?

More information about using your benefits, making a claim or updating your details.

What is a packaged bank account?

A packaged bank account is a bank account which comes with additional features and benefits to suit your lifestyle needs. You typically have to pay a monthly fee for accounts like this.

In most cases, packaged bank accounts come with insurance benefits ranging from mobile phone cover to travel insurance, which could potentially save you money on these types of products.

Why choose a packaged bank account?

There are a number of considerations to make before choosing a packaged bank account. You may find that it is a good choice for you if you regularly use your bank account and would prefer to keep all your insurance policies in one place.

You might also find that doing this saves you money, as opposed to having multiple separate policies. It’s important to weigh up the pros and cons of a packaged bank account and compare the options available to you.

Upgrade to a packaged bank account

If you’re an existing customer you can change your existing accounts to one of our available packaged bank accounts online.

Why shop around for travel insurance, breakdown cover and other useful benefits when you can get them all included with your current account?

Log on to upgrade

Our packaged bank accounts

Platinum account card image


£21 monthly fee for maintaining the account.

  • Worldwide multi-trip family travel insurance
  • Mobile phone insurance
  • AA breakdown cover
  • Card loss assistance
Platinum account card image

Club Lloyds Platinum

£21 per month + no Club Lloyds fee, or £3 per month

  • Choose a Club Lloyds benefit each year
  • Worldwide multi-trip family travel insurance
  • Mobile phone insurance
  • AA breakdown cover
  • Card loss assistance
Club Platinum

AXA Travel Insurance

Our Platinum Account offers Worldwide Travel Insurance up to 80 years of age, cover for you and your family (if eligible).

More about AXA Travel Insurance

AA Breakdown Cover

UK Roadside Assistance whether you’re in your own vehicle or someone else’s.

More about AA Breakdown 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

Card Loss Assistance

Help for when your credit, debit and store cards get lost or stolen. You can register the cards of your family if they live with you.

Card Loss Assistance is provided by Citymain Administrators Ltd.

More about Card Loss Assistance

Some key changes to the Worldwide Travel Insurance from 21 November 2021

  • AXA Insurance UK plc (AXA) underwrite the travel insurance that comes with your account and, in line with the cancellation section of the policy general conditions, we are now giving you notice on their behalf that the policy will be cancelled at midnight on 20 November 2021 and immediately replaced on 21 November by travel insurance provided by AWP Assistance UK Ltd (Allianz Assistance) which is underwritten by AWP P&C SA (the new insurer). There’ll be no break in insurance cover but some of the changes may affect your cover
  • The maximum single trip duration of 45 consecutive days will reduce to 31 consecutive days. It’s important to remember this if you book a trip before 21 November 2021
  • If you’ve already booked or intend to book a trip lasting more than 31 consecutive days that begins on or after 21 November 2021 and haven't already purchased a trip extension upgrade, you will need to contact Allianz Assistance to extend your cover, an additional premium will be payable. If your trip starts before 21 November 2021, for this trip only, you will continue to be covered for up to 45 consecutive days from the date of travel
  • If you claim for incidents which occurred after 21 November 2021, where an excess applies, it’ll increase from £75 per claim per incident to £75 per adult per incident
  • There will be changes to the medical screening process. If your health, or the health of anyone covered by the policy, changes before you book a trip, you need to let Allianz Assistance know. They may ask you to pay a premium or could refuse cover for those medical conditions. This will also apply to any new upgrade for medical conditions that you purchase from the new insurer on or after 21 November 2021
  • If you purchase an upgrade with AXA for risks which are not covered under the policy as standard before 21 November 2021, your upgrade will continue to be underwritten by AXA until the expiry date stated in your upgrade schedule and will not be cancelled. All claims will be managed by Allianz Assistance for incident dates on or after 21 November 2021. You will receive confirmation letters separately from AXA and Allianz Assistance which include guidance on who to contact.  You do not need to take any action
  • From 21 November 2021 there won’t be cover if you’re abroad and you are instructed to return home or choose to leave early to avoid having to quarantine when you get home because of an epidemic or pandemic
  • There is still cover for emergency medical expenses. There's also still cover for you or someone covered under the policy if a booked trip needs to be cancelled because either you or they, or a companion you are travelling with is asked to quarantine
  • There will be additional cancellation cover for you or anyone you are travelling with who is covered under the policy, if you’ve booked to travel and either the carrier or a Government authority will not let you travel, because at the point of boarding, you are showing symptoms of a contagious disease
  • You’ll have access to a remote UK GP telephone and video consultation service if you want medical advice when you’re overseas
  • There will also be some changes to cover levels, for example for Ski and Golf cover
  • Winter Sports cover is being improved and some of the limits you can claim for will increase. If you’ve already paid for upgraded Winter Sports cover with AXA which expires on or after 21 November 2021, this will now be covered as standard.  We’ll make a goodwill payment to cover the cost of the upgrade, directly into your account by the end of December 2021

Please read the terms and conditions enclosed within the Guide to Changes (PDF, 807KB) for full details and exclusions. We’ve also provided some examples of pandemic cover under the new policy in the Guide to Changes (PDF, 807KB).

Other key benefit changes from 21 November 2021

  • Card Loss Assistance will no longer be a service provided with the account. Once the Card Loss Assistance benefit ends, the data will be destroyed within a reasonable period of time and in line with our policy requirements
  • There will be some changes to the AA Breakdown cover and there will also be a change to the Mobile Phone Insurance benefit that comes with this account  to make it clear that for incidents occurring from 21 November, if you make a valid claim for a replacement handset, you will receive a refurbished device which has been through a comprehensive checking process to ensure it’s in full working order. For details of the changes, please refer to the Guide to Changes (PDF, 807KB)
    • 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.

Packaged bank accounts no longer on sale

Select account card image

Select Account

£11.95 a month fee

Silver account card image

Silver Account

£12.95 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.

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Help and guidance

Contact us

Lost or stolen cards
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(+44 1702 278 270 from outside the UK)

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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.