Packaged bank accounts

Accounts that offer a range of insurance and lifestyle benefits along with all the everyday banking services you rely on.

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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 in the Lloyds mobile banking 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.

More 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 online 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. Online banking registration required. T&Cs apply.

Our packaged bank accounts

From 02 June 2025, we're increasing the Club Lloyds monthly fee to £5 per month. We'll continue to waive this for each month you pay in £2,000 or more.

Silver

£11.50 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
  • No debit card fees from us at home or abroad

Silver

 

Club Lloyds Silver

£11.50 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 Club Lloyds Silver

Platinum

£22.50 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
  • No debit card fees from us at home or abroad

Platinum

 

Club Lloyds Platinum

£22.50 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 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 online banking:

  • Log a claim and track its progress through ‘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

No debit card fees from us at home or 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 sterling, the provider of the currency conversion may still charge you.

How to access your benefits online

Packaged bank accounts no longer on sale

Select account card image

Select Account

£9 a month fee

Continue to account details Continue to Select Account details
Gold account card image

Gold Account

£16.95 a month fee

Continue to account details Continue to Gold Account details
Premier account card image

Premier Account

£29 a month fee

Continue to account details Continue to Premier Account details

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

Protecting your money

FSCS logo



The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS



Protecting your money

FSCS logo

The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS

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Switching your current account to Lloyds is simple, reliable and stress-free with the Current Account Switch Service.

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Find out about all the great features of our highly rated app, and how it compares to Internet Banking.

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Compare current accounts

We have a range of current accounts to suit your needs.

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Compare current accounts

We have a range of current accounts to suit your needs.

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Important legal information

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.

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.