Packaged 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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Join Club Lloyds and switch using the Current Account Switching Service. To qualify, you'll need to:

  • switch to a new Club Lloyds, Club Lloyds Silver or Club Lloyds Platinum current account
  • include 3 active direct debits in the switch
  • spend £100 using your debit card within the first 35 days of account opening.

Offer ends 30 Apr 2026. Monthly fees may apply. Terms and conditions apply.

More about switching

Packaged account basics

What is a packaged account?

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

Our packaged 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 supplied by a third party, such as the AA who offer the breakdown cover.

Why choose a packaged 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.

Lloyds packaged accounts

Feel confident on every journey with bundled cover for your phone, travel and roadside needs.

Club Lloyds Silver card image

Club Lloyds Silver

All the benefits of Club Lloyds, plus
 
  • European and UK Family Travel Insurance up to age 65
  • AA Breakdown Family Cover with Roadside Assistance
  • mobile phone insurance.

£11.50 monthly fee. £5 Club Lloyds fee refunded each month you pay in £2,000 or more.

Club Lloyds Silver
Club Lloyds Platinum card imagery

Club Lloyds Platinum

All the benefits of Club Lloyds, plus
 
  • Worldwide Family Travel Insurance up to age 80
  • AA Breakdown Family Cover with Roadside Assistance, At Home and National Recovery
  • mobile phone insurance.

£22.50 monthly fee. £5 Club Lloyds fee refunded each month you pay in £2,000 or more.

Club Lloyds Platinum
Silver card imagery

Silver

All the benefits of Classic, plus

  • European and UK Family Travel Insurance up to age 65
  • AA Breakdown Family Cover with Roadside Assistance
  • no fees from us when you use your debit card abroad
  • mobile phone insurance.

£11.50 monthly fee.

Silver
Platinum card imagery

Platinum

All the benefits of Classic, plus

  • Worldwide Family Travel Insurance up to age 80
  • AA Breakdown Family Cover with Roadside Assistance, At Home and National Recovery
  • no fees from us when you use your debit card abroad
  • mobile phone insurance.

£22.50 monthly fee.

Platinum

Benefits supplied by selected third-party providers. Limits, terms and exclusions apply.

Not the right account for you? You can compare all our accounts.

What's included in a Lloyds packaged account?

Travel insurance

We have a range of packaged accounts offering travel insurance for you, your partner and your children, with different levels of cover to suit your needs. Your children must meet age rules and travel with you, your spouse, partner, civil partner or a responsible adult. Your partner is covered until 65, to suit your needs.

More about travel insurance

AA Breakdown Family Cover

Cover for travel in most vehicles for you and family members who either live at your address or are temporarily living elsewhere in the UK. 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 offers 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 a fee when you use your debit card to make payments or withdraw money in any currency. But if you pay in pounds sterling, overseas providers might charge a fee.

  • Value table

    Platinum account benefits

    Annual average value

    Platinum account benefits

    Worldwide travel insurance

    Annual average value

    £562

    Platinum account benefits

    Breakdown cover

    Annual average value

    £94

    Platinum account benefits

    Mobile phone insurance

    Annual average value

    £100

    Platinum account benefits

    Total

    Annual average value

    £756

    The Platinum account offers total annual insurance benefits worth on average £756, all for £270 a year (£22.50 per month). 

    This could give you an average saving of £486 a year. 

    The average values, rounded to the nearest pound were worked out by Consumer Intelligence Ltd through detailed desktop research, using average quotes for similar insurance products found on popular price comparison websites. Correct as of July 2025.

    Read the full report (PDF, 396KB)

  • Value table

    Silver account benefits

    Annual average value

    Silver account benefits

    European travel insurance

    Annual average value

    £161

    Silver account benefits

    Breakdown cover

    Annual average value

    £71

    Silver account benefits

    Mobile phone insurance

    Annual average value

    £100

    Silver account benefits

    Total

    Annual average value

    £332

    The Silver account has total annual insurance benefits worth on average £332, all for £138 a year (£11.50 per month).

    This could give you an average saving of £194 a year.

    The average values, rounded to the nearest pound were worked out by Consumer Intelligence Ltd through detailed desktop research, using average quotes for similar insurance products found on popular price comparison websites. Correct as of July 2025.

    Read the full report (PDF, 396KB)

    • 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.
    • Arranged overdraft - 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 or debit card or direct debit with selected retailers. Merchant offers and cashback amounts vary. Online banking registration required. T&Cs apply.

Open a current account

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Scan the QR code to apply and join millions of customers – you could be setup today.

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New to Lloyds

Apply in the app and join the millions of customers – you could be setup today.

Just grab your passport or UK driving licence to get started. 

Open new current account

Need another way? You can apply on the website.

Already a customer?

Easily upgrade or add a new account.

View all your accounts together and we won't ask you for information we already know.

Log in to apply

Protecting your money

Protecting your money

The Financial Services Compensation Scheme (FSCS) protects up to £120,000 of the eligible money you hold with us.

More about the FSCS

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Learn how to get the most out of your Lloyds current account with our support pages.

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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.

Browse current accounts

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.

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