Current account rates
We update these tables when rates change. You'll find the date of the last change below each table.
Interest rates are variable. View previous current account rates.
If your account isn't listed below, it may no longer available. Check our non-marketed product rates.
Interest is paid gross, meaning we don't deduct tax on your behalf. Depending on your personal circumstances, tax may be due on your interest. It's your responsibility to disclose and pay any tax due directly to HMRC.
We also provide the AER on the account. Find out what an AER is.
Club Lloyds current account
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance between £1 to £3,999.99 |
Monthly interest - AER 0.75% |
Monthly interest - gross 0.75% |
|
Balance between £4,000 to £5,000 |
Monthly interest - AER 3.00% |
Monthly interest - gross 2.96% |
These interest rates are correct as at 31 March 2026.
Club Lloyds Gold
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance between £1 to £3,999.99 |
Monthly interest - AER 0.75% |
Monthly interest - gross 0.75% |
|
Balance between £4,000 to £5,000 |
Monthly interest - AER 3.00% |
Monthly interest - gross 2.96% |
These interest rates are correct as at 31 March 2026.
Club Lloyds Platinum
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance between £1 to £3,999.99 |
Monthly interest - AER 0.75% |
Monthly interest - gross 0.75% |
|
Balance between £4,000 to £5,000 |
Monthly interest - AER 3.00% |
Monthly interest - gross 2.96% |
These interest rates are correct as at 31 March 2026.
Club Lloyds Premier
Opened before 2014.
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance between £1 to £3,999.99 |
Monthly interest - AER 0.75% |
Monthly interest - gross 0.75% |
|
Balance between £4,000 to £5,000 |
Monthly interest - AER 3.00% |
Monthly interest - gross 2.96% |
These interest rates are correct as at 31 March 2026.
Club Lloyds Silver
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance between £1 to £3,999.99 |
Monthly interest - AER 0.75% |
Monthly interest - gross 0.75% |
|
Balance between £4,000 to £5,000 |
Monthly interest - AER 3.00% |
Monthly interest - gross 2.96% |
These interest rates are correct as at 31 March 2026.
All Club Lloyds accounts
To earn credit interest, you just need to pay out 2 different direct debits from your Club Lloyds account each calendar month. Interest is variable, worked out daily and paid monthly.
For example, if you have £4,500 in your account, you could earn 0.75% AER/gross variable interest on the first £3,999.99, then 3.00% AER/2.96% gross variable on the rest. Interest is paid monthly. You won’t earn interest on any part of your balance over £5,000.
Lloyds Premier
Opened after May 2025.
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance between £1 to £3,999.99 |
Monthly interest - AER 1.50% |
Monthly interest - gross 1.49% |
|
Balance between £4,000 to £5,000 |
Monthly interest - AER 3.00% |
Monthly interest - gross 2.96% |
These interest rates are correct as at 31 March 2026.
Under 19s account
For accounts opened before 23 August 2021
|
Your balance |
AER |
Gross |
|---|---|---|
|
Your balance £0.01 to £2,499.99 |
AER 0.50% |
Gross 0.50% |
|
Your balance £2,500+ |
AER 0% |
Gross 0% |
For accounts opened on or after 23 August 2021
|
Your balance |
AER |
Gross |
|---|---|---|
|
Your balance £0.01 to £999.99 |
AER 0.50% |
Gross 0.50% |
|
Your balance £1,000+ |
AER 0% |
Gross 0% |
These interest rates are correct as at 23 August 2021.
