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.

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

Our packaged bank accounts

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).

Additional features and benefits of our packaged bank accounts expandable section
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.

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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.