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Current account rates

If you can’t see your product in the list below it may be because it is no longer available, click here to see a list of our non marketed product rates.

The following tables change from time to time. The date of the last change is detailed beneath each table.

Interest rates are variable.

For more information about previous Current Account rates please click hereView previous Current Account rates.

All Current Account Interest Rates

Club Lloyds current account

Club Lloyds current account interest rates

Balance between

AERAERAER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. (Interest Paid Monthly)

GrossGrossGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. (Interest Paid Monthly)

Balance between

£1 - £3,999.99

AERAERAER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. (Interest Paid Monthly)

1.00%

GrossGrossGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. (Interest Paid Monthly)

0.99%

Balance between

£4,000-£5,000

AERAERAER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. (Interest Paid Monthly)

2.00%

GrossGrossGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. (Interest Paid Monthly)

1.98%

These interest rates are correct as at 01/10/2019.

Club Lloyds Gold

Club Lloyds Gold interest rates

Balance between

AERAERAER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. (Interest Paid Monthly)

GrossGrossGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. (Interest Paid Monthly)

Balance between

£1 - £3,999.99

AERAERAER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. (Interest Paid Monthly)

1.00%

GrossGrossGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. (Interest Paid Monthly)

0.99%

Balance between

£4,000 - £5,000

AERAERAER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. (Interest Paid Monthly)

2.00%

GrossGrossGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. (Interest Paid Monthly)

1.98%

These interest rates are correct as at 01/10/2019.

Club Lloyds Platinum

Club Lloyds Platinum interest rates

Balance between

AERAERAER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. (Interest Paid Monthly)

GrossGrossGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. (Interest Paid Monthly)

Balance between

£1 - £3,999.99

AERAERAER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. (Interest Paid Monthly)

1.00%

GrossGrossGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. (Interest Paid Monthly)

0.99%

Balance between

£4,000 - £5,000

AERAERAER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. (Interest Paid Monthly)

2.00%

GrossGrossGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. (Interest Paid Monthly)

1.98%

These interest rates are correct as at 01/10/2019.

Club Lloyds Premier

Club Lloyds Premier interest rates

Balance between

AERAERAER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. (Interest Paid Monthly)

GrossGrossGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. (Interest Paid Monthly)

Balance between

£1 - £3,999.99

AERAERAER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. (Interest Paid Monthly)

1.00%

GrossGrossGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. (Interest Paid Monthly)

0.99%

Balance between

£4,000 - £5,000

AERAERAER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. (Interest Paid Monthly)

2.00%

GrossGrossGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. (Interest Paid Monthly)

1.98%

These interest rates are correct as at 01/10/2019.

Club Lloyds Silver

Club Lloyds Silver interest rates

Balance between

AERAERAER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. (Interest Paid Monthly)

GrossGrossGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. (Interest Paid Monthly)

Balance between

£1 - £3,999.99

AERAERAER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. (Interest Paid Monthly)

1.00%

GrossGrossGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. (Interest Paid Monthly)

0.99%

Balance between

£4,000 - £5,000

AERAERAER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. (Interest Paid Monthly)

2.00%

GrossGrossGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. (Interest Paid Monthly)

1.98%

These interest rates are correct as at 01/10/2019.

All Club Lloyds accounts

To earn credit interest, you just need to pay out two different direct debits from your Club Lloyds account each calendar month. Interest is variable, worked out daily and paid monthly.

For example, when you have £4,500 in your account, you could earn interest of 1.00% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (0.99% gross p.a.) on the first £3,999.99 and 2.00% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (1.98% grossGross rateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a.) on the rest. You won’t earn interest on any part of your balance over £5,000.

From 1 October 2020, the variable rates of interest you can earn on credit balances are changing. The current interest rate of 1.00% AERAnnual Equivalent RateAER means Annual Equivalent Rate. This illustrates what the interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers. (0.99% gross p.a.), payable on balances from £1 to £3,999.99, is changing to 0.60% AERAnnual Equivalent RateAER means Annual Equivalent Rate. This illustrates what the interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers./grossGross RateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. The current rate of 2.00% AERAnnual Equivalent RateAER means Annual Equivalent Rate. This illustrates what the interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers. (1.98% grossGross RateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a.) payable on the part of any balance from £4,000 up to and including £5,000, is changing to 1.50% AERAnnual Equivalent RateAER means Annual Equivalent Rate. This illustrates what the interest rate would be if interest was paid and compounded each year and allows you to easily compare different offers. (1.49% grossGross RateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a.). Full details can be found in the Guide to Changes (PDF).

Please note interest paid before 6th April 2016 will have been paid net (unless you registered the account with us to receive gross interest). Net is the rate of interest payable after allowing for the deduction of income tax at the rate specified by law (currently 20%).

From 6th April 2016 interest is paid Gross, meaning we will not deduct tax on your behalf. Dependant on your personal circumstances, tax may be due on your interest and it is your responsibility to disclose and pay any tax due directly to HMRC.

Under 19s account

Under 19s account interest rates

Balance between

AERAERAER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. (Interest Paid Quarterly)

GrossGrossGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. (Interest Paid Quarterly)

Balance between

£1 - £2,499.99

AERAERAER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. (Interest Paid Quarterly)

0.50

GrossGrossGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. (Interest Paid Quarterly)

0.50

Balance between

£2,500+

AERAERAER stands for Annual Equivalent Rate. It illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. (Interest Paid Quarterly)

0.0

GrossGrossGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a. (Interest Paid Quarterly)

0.0

These interest rates are correct as at 24/09/2018.

Please note interest paid before 6th April 2016 will have been paid net (unless you registered the account with us to receive gross interest) .  Net is the rate of interest payable after allowing for the deduction of income tax at the rate specified by law (currently 20%).

From 6th April 2016 interest is paid Gross, meaning we will not deduct tax on your behalf. Dependant on your personal circumstances, tax may be due on your interest and it is your responsibility to disclose and pay any tax due directly to HMRC.

Arranged overdrafts

Find out everything you need to know about our arranged overdrafts, such as interest rates, managing your arranged overdraft limit and more.

Find out moreabout arranged overdrafts

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.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).

Telephone calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.

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