Previous current account 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.
Interest paid before 06 April 2016 was paid net, unless you registered the account with us to receive gross interest. Net was the rate of interest payable after allowing for the deduction of income tax at the rate specified by law.
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 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 were correct from 31 January 2026 to 30 March 2026.
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance between £1 to £3,999.99 |
Monthly interest - AER 0.60% |
Monthly interest - gross 0.60% |
|
Balance between £4,000 to £5,000 |
Monthly interest - AER 1.50% |
Monthly interest - gross 1.49% |
These interest rates were correct from 01 October 2020 to 30 January 2023.
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance between £1 to £3,999.99 |
Monthly interest - AER 1.00% |
Monthly interest - gross 0.99% |
|
Balance between £4,000 to £5,000 |
Monthly interest - AER 2.00% |
Monthly interest - gross 1.98% |
These interest rates were correct from 01 October 2019 to 30 September 2020.
|
Balance |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance £1 up to £5,000 |
Monthly interest - AER 1.50% |
Monthly interest - gross 1.49% |
These interest rates were correct from 01 July 2018 to 30 September 2019.
|
Balance |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance £1 up to £5,000 |
Monthly interest - AER 2.00% |
Monthly interest - gross 1.98% |
These interest rates were correct from 08 January 2017 to 30 June 2018.
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
Monthly interest - net |
|---|---|---|---|
|
Balance between £1 up to £1,999.99 |
Monthly interest - AER 1.00% |
Monthly interest - gross 1.00% |
Monthly interest - net 0.80% |
|
Balance between £2,000 up to £3,999.99 |
Monthly interest - AER 2.00% |
Monthly interest - gross 1.98% |
Monthly interest - net 1.59% |
|
Balance between £4,000 up to £5,000 |
Monthly interest - AER 4.00% |
Monthly interest - gross 3.93% |
Monthly interest - net 3.14% |
These interest rates were correct from 30 March 2014 to 07 January 2017.
Club Lloyds Gold
|
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 were correct from 31 January 2023 to 30 March 2026.
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance between £1 to £3,999.99 |
Monthly interest - AER 0.60% |
Monthly interest - gross 0.60% |
|
Balance between £4,000 to £5,000 |
Monthly interest - AER 1.50% |
Monthly interest - gross 1.49% |
These interest rates were correct from 01 October 2020 to 30 January 2023.
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance between £1 to £3,999.99 |
Monthly interest - AER 1.00% |
Monthly interest - gross 0.99% |
|
Balance between £4,000 to £5,000 |
Monthly interest - AER 2.00% |
Monthly interest - gross 1.98% |
These interest rates were correct from 01 October 2019 to 30 September 2020.
|
Balance |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance £1 up to £5,000 |
Monthly interest - AER 1.50% |
Monthly interest - gross 1.49% |
These interest rates were correct from 01 July 2018 to 30 September 2019.
|
Balance |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance £1 up to £5,000 |
Monthly interest - AER 2.00% |
Monthly interest - gross 1.98% |
These interest rates were correct from 30 March 2014 to 07 January 2017.
Club Lloyds Platinum
|
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 were correct from 31 January 2023 to 30 March 2026.
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance between £1 to £3,999.99 |
Monthly interest - AER 0.60% |
Monthly interest - gross 0.60% |
|
Balance between £4,000 to £5,000 |
Monthly interest - AER 1.50% |
Monthly interest - gross 1.49% |
These interest rates were correct from 01 October 2020 to 30 January 2023.
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance between £1 to £3,999.99 |
Monthly interest - AER 1.00% |
Monthly interest - gross 0.99% |
|
Balance between £4,000 to £5,000 |
Monthly interest - AER 2.00% |
Monthly interest - gross 1.98% |
These interest rates were correct from 01 October 2019 to 30 September 2020.
|
Balance |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance £1 up to £5,000 |
Monthly interest - AER 1.50% |
Monthly interest - gross 1.49% |
These interest rates were correct from 01 July 2018 to 30 September 2019.
|
Balance |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance £1 up to £5,000 |
Monthly interest - AER 2.00% |
Monthly interest - gross 1.98% |
These interest rates were correct from 08 January 2017 to 30 June 2018.
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
Monthly interest - net |
|---|---|---|---|
|
Balance between £1 up to £1,999.99 |
Monthly interest - AER 1.00% |
Monthly interest - gross 1.00% |
Monthly interest - net 0.80% |
|
Balance between £2,000 up to £3,999.99 |
Monthly interest - AER 2.00% |
Monthly interest - gross 1.98% |
Monthly interest - net 1.59% |
|
Balance between £4,000 up to £5,000 |
Monthly interest - AER 4.00% |
Monthly interest - gross 3.93% |
Monthly interest - net 3.14% |
These interest rates were correct from 30 March 2014 to 07 January 2017.
Club Lloyds Premier
|
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 were correct from 31 January 2023 to 30 March 2026.
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance between £1 to £3,999.99 |
Monthly interest - AER 0.60% |
Monthly interest - gross 0.60% |
|
Balance between £4,000 to £5,000 |
Monthly interest - AER 1.50% |
Monthly interest - gross 1.49% |
These interest rates were correct from 01 October 2020 to 30 January 2023.
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance between £1 to £3,999.99 |
Monthly interest - AER 1.00% |
Monthly interest - gross 0.99% |
|
Balance between £4,000 to £5,000 |
Monthly interest - AER 2.00% |
Monthly interest - gross 1.98% |
These interest rates were correct from 01 October 2019 to 30 September 2020.
|
Balance |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance £1 to £5,000 |
Monthly interest - AER 1.50% |
Monthly interest - gross 1.49% |
These interest rates were correct from 01 July 2018 to 30 September 2019.
|
Balance |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance £1 to £5,000 |
Monthly interest - AER 2.00% |
Monthly interest - gross 1.98% |
These interest rates were correct from 08 January 2017 to 30 June 2018.
|
Balance |
Monthly interest - AER |
Monthly interest - gross |
Monthly interest - net |
|---|---|---|---|
|
Balance £1 to £1,999.99 |
Monthly interest - AER 1.00% |
Monthly interest - gross 1.00% |
Monthly interest - net 0.80% |
|
Balance £2,000 to £3,999.99 |
Monthly interest - AER 2.00% |
Monthly interest - gross 1.98% |
Monthly interest - net 1.59% |
|
Balance £4,000 to £5,000 |
Monthly interest - AER 4.00% |
Monthly interest - gross 3.93% |
Monthly interest - net 3.14% |
These interest rates were correct from 30 March 2014 to 07 January 2017.
Club Lloyds Silver
|
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 were correct from 31 January 2023 to 30 March 2026.
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance between £1 to £3,999.99 |
Monthly interest - AER 0.60% |
Monthly interest - gross 0.60% |
|
Balance between £4,000 to £5,000 |
Monthly interest - AER 1.50% |
Monthly interest - gross 1.49% |
These interest rates were correct from 01 October 2020 to 30 January 2023.
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance between £1 to £3,999.99 |
Monthly interest - AER 1.00% |
Monthly interest - gross 0.99% |
|
Balance between £4,000 to £5,000 |
Monthly interest - AER 2.00% |
Monthly interest - gross 1.98% |
These interest rates were correct from 01 October 2019 to 30 September 2020.
|
Balance |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance £1 to £5,000 |
Monthly interest - AER 1.50% |
Monthly interest - gross 1.49% |
These interest rates were correct from 01 July 2018 to 30 September 2019.
|
Balance |
Monthly interest - AER |
Monthly interest - gross |
|---|---|---|
|
Balance £1 to £5,000 |
Monthly interest - AER 2.00% |
Monthly interest - gross 1.98% |
These interest rates were correct from 08 January 2017 to 30 June 2018.
|
Balance |
Monthly interest - AER |
Monthly interest - gross |
Monthly interest - net |
|---|---|---|---|
|
Balance £1 to £1,999.99 |
Monthly interest - AER 1.00% |
Monthly interest - gross 1.00% |
Monthly interest - net 0.80% |
|
Balance £2,000 to £3,999.99 |
Monthly interest - AER 2.00% |
Monthly interest - gross 1.98% |
Monthly interest - net 1.59% |
|
Balance £4,000 to £5,000 |
Monthly interest - AER 4.00% |
Monthly interest - gross 3.93% |
Monthly interest - net 3.14% |
These interest rates were correct from 30 March 2014 to 07 January 2017.
Classic Account
|
Balance |
Annual interest - AER |
Annual interest - gross |
Annual interest - net |
|---|---|---|---|
|
Balance £1+ |
Annual interest - AER 0.10% |
Annual interest - gross 0.10% |
Annual interest - net 0.08% |
These interest rates were correct from 01 March 2004 to 18 August 2008.
Classic Plus Account
|
Regular monthly deposit |
Balance |
Monthly interest - AER |
Monthly interest - gross |
Monthly interest - net |
|---|---|---|---|---|
|
Regular monthly deposit £1+ |
Balance £1 to £2500 |
Monthly interest - AER 3.5% |
Monthly interest - gross 3.45% |
Monthly interest - net 0.08% |
These interest rates were correct from 03 November 2008 to 02 January 2009.
Vantage Account
Vantage is no longer available with new current accounts or as an upgrade option for existing customers. In February 2016 we wrote to existing Vantage customers to advise that we were removing Vantage from our product range. From 03 May 2016 no credit interest is paid on Vantage accounts and Vantage terms and conditions no longer apply. Vantage was removed from account names shortly after this.
|
Balance between |
Monthly interest - AER |
Monthly interest - gross |
Monthly interest - net |
|---|---|---|---|
|
Balance between £1 to £999 |
Monthly interest - AER 0.00% |
Monthly interest - gross 0.00% |
Monthly interest - net 0.00% |
|
Balance between £1,000 to £2,999 |
Monthly interest - AER 0.50% |
Monthly interest - gross 0.50% |
Monthly interest - net 0.40% |
|
Balance between £3,000 to £5,000 |
Monthly interest - AER 1.50% |
Monthly interest - gross 1.49% |
Monthly interest - net 1.19% |
These interest rates were correct from 02 July 2014 to 02 May 2016.
|
Balance |
Monthly interest - AER |
Monthly interest - gross |
Monthly interest - net |
|---|---|---|---|
|
Balance £1+ |
Monthly interest - AER 0.10% |
Monthly interest - gross 0.10% |
Monthly interest - net 0.08% |
|
Balance £1,000+ |
Monthly interest - AER 2.00% |
Monthly interest - gross 1.98% |
Monthly interest - net 1.59% |
|
Balance £3,000+ |
Monthly interest - AER 3.00% |
Monthly interest - gross 2.96% |
Monthly interest - net 2.37% |
|
Balance £5,000 to £7,000 |
Monthly interest - AER 4.00% |
Monthly interest - gross 3.93% |
Monthly interest - net 3.14% |
These interest rates were correct from 02 February 2009 to 27 June 2011.
Gold Service Account
|
Balance between |
Annual interest - AER |
Annual interest - gross |
Annual interest - net |
|---|---|---|---|
|
Balance between £50,000 + |
Annual interest - AER 0.10% |
Annual interest - gross 0.10% |
Annual interest - net 0.08% |
|
Balance between £1+ |
Annual interest - AER 0.10% |
Annual interest - gross 0.10% |
Annual interest - net 0.08% |
These interest rates were correct from 04 April 2005 to 02 October 2012.
Gold Service Plus Account
|
Regular monthly deposit |
Balance |
Monthly interest - AER |
Monthly interest - gross |
Monthly interest - net |
|---|---|---|---|---|
|
Regular monthly deposit £1,000+ |
Balance £1 to £2500 |
Monthly interest - AER 3.50% |
Monthly interest - gross 3.45% |
Monthly interest - net 2.76% |
These interest rates were correct form 03 November 2008 to 02 October 2012.
Graduate account
|
Balance |
Monthly interest - AER |
Monthly interest - gross |
Monthly interest - net |
|---|---|---|---|
|
Balance £1+ |
Monthly interest - AER 0.00 |
Monthly interest - gross 0.00 |
Monthly interest - net 0.00 |
These interest rates were correct from 29 September 2003 to 02 October 2012.
Graduate account – planned and unplanned overdrafts
|
Balance between |
% each month |
EAR % |
|---|---|---|
|
Balance between Year 1: £2,000+ |
% each month 1.30 |
EAR % 16.77 |
|
Balance between £0 to £2,000 |
% each month 0.00 |
EAR % 0.00 |
|
Balance between Year 2: £1,500+ |
% each month 1.30 |
EAR % 16.77 |
|
Balance between £0 to £1,500 |
% each month 0.00 |
EAR % 0.00 |
|
Balance between Year 3: £1,000+ |
% each month 1.30 |
EAR % 16.77 |
|
Balance between £0 to £1,000 |
% each month 0.00 |
EAR % 0.00 |
These interest rates were correct from 12 November 2013 to 01 September 2016.
|
Balance between |
% each month |
EAR % |
|---|---|---|
|
Balance between Year 1: £2,000+ |
% each month 1.30 |
EAR % 16.8 |
|
Balance between £0 to £2,000 |
% each month 0.00 |
EAR % 0.00 |
|
Balance between Year 2: £1,500+ |
% each month 1.30 |
EAR % 16.8 |
|
Balance between £0 to £1,500 |
% each month 0.00 |
EAR % 0.00 |
|
Balance between Year 3: £1,000+ |
% each month 1.30 |
EAR % 16.8 |
|
Balance between £0 to £1,000 |
% each month 0.00 |
EAR % 0.00 |
These interest rates were correct from 01 August 2007 to 12 November 2013.
Platinum Account
|
Balance |
Annual interest - AER |
Annual interest - gross |
Annual interest - net |
|---|---|---|---|
|
Balance £50,000 + |
Annual interest - AER 0.10 |
Annual interest - gross 0.10 |
Annual interest - net 0.08 |
|
Balance £1+ |
Annual interest - AER 0.10 |
Annual interest - gross 0.10 |
Annual interest - net 0.08 |
These interest rates were correct from 01 August 2007 to 02 October 2012.
Platinum Plus Account
|
Regular monthly deposit |
Balance between
|
Monthly interest - AER |
Monthly interest - gross |
Monthly interest - net |
|---|---|---|---|---|
|
Regular monthly deposit £1,000+ |
Balance between £1 to £2500 |
Monthly interest - AER 3.50% |
Monthly interest - gross 3.45% |
Monthly interest - net 2.76% |
These interest rates were correct from 03 November 2008 to 02 October 2012.
Premier Plus Account
|
Regular monthly deposit |
Balance between |
Monthly interest - AER |
Monthly interest - gross |
Monthly interest - net |
|---|---|---|---|---|
|
Regular monthly deposit £1,000+ |
Balance between £1 to £2500 |
Monthly interest - AER 3.50% |
Monthly interest - gross 3.45% |
Monthly interest - net 2.76% |
These interest rates were correct from 03 November 2008 to 02 October 2012.
Select Account
|
Balance |
Annual interest - AER |
Annual interest - gross |
Annual interest - net |
|---|---|---|---|
|
Balance £1 + |
Annual interest - AER 0.10% |
Annual interest - gross 0.10% |
Annual interest - net 0.08% |
These interest rates were correct from 01 March 2004 to 02 October 2012.
Select Plus Account
|
Regular monthly deposit |
Balance between |
Monthly interest - AER |
Monthly interest - gross |
Monthly interest - net |
|---|---|---|---|---|
|
Regular monthly deposit £1,000+ |
Balance between £1 to £2500 |
Monthly interest - AER 3.50% |
Monthly interest - gross 3.45% |
Monthly interest - net 2.76% |
These interest rates were correct from 03 November 2008 to 02 October 2012.
Early Student Account
|
Balance between |
% each month |
EAR% |
|---|---|---|
|
Balance between £200+ |
% each month 0.66 |
EAR% 8.21 |
|
Balance between 0 to £200+ |
% each month 0.00 |
EAR% 0.00 |
These interest rates were correct from 16 March 2009 to 02 October 2012.
Student Account and Early Student Account – planned and unplanned overdrafts
|
Balance between |
% each month |
EAR% |
|---|---|---|
|
Balance between Year 1: £1,500+ |
% each month 0.66 |
EAR% 8.2 |
|
Balance between £0 to £1,500 |
% each month 0.0 |
EAR% 0.0 |
|
Balance between Year 2: £1,500+ |
% each month 0.66 |
EAR% 8.2 |
|
Balance between £0 to £1,500 |
% each month 0.00 |
EAR% 0.0 |
|
Balance between Year 3: £1,500+ |
% each month 0.66 |
EAR% 8.2 |
|
Balance between £0 to £1,500 |
% each month 0.00 |
EAR% 0.0 |
|
Balance between Years 4, 5 & 6: £2,000+ |
% each month 0.66 |
EAR% 8.2 |
|
Balance between £0 and £2,000 |
% each month 0.00 |
EAR% 0.0 |
These interest rates were correct from 01 August 2007 to 12 November 2013.
Planned and unplanned overdrafts
|
Account |
% each month |
EAR% |
|---|---|---|
|
Account Premier Current Account |
% each month 1.20 |
EAR% 15.43 |
|
Account Platinum Current Account |
% each month 1.34 |
EAR% 17.28 |
|
Account Gold Service Current Account |
% each month 1.53 |
EAR% 19.94 |
|
Account Silver Current Account |
% each month 1.53 |
EAR% 19.94 |
|
Account Classic Account |
% each month 1.53 |
EAR% 19.94 |
These interest rates were correct from 12 November 2013 to 01 September 2016.
|
Account |
% each month |
EAR % |
|---|---|---|
|
Account Club Lloyds Current Account |
% each month 1.20 |
EAR % 15.43 |
|
Account Club Lloyds Silver Current Account |
% each month 1.34 |
EAR % 17.28 |
|
Account Club Lloyds Gold Current Account |
% each month 1.53 |
EAR % 19.94 |
|
Account Silver Current Account |
% each month 1.53 |
EAR % 19.94 |
|
Account Classic Account |
% each month 1.53 |
EAR % 19.94 |
These interest rates were correct from 22 April 2014 to 01 September 2016.
|
Account |
% each month |
EAR % |
|---|---|---|
|
Account Premier Plus Current Account |
% each month 0.98 |
EAR % 12.43 |
|
Account Premier Current Account |
% each month 0.98 |
EAR % 12.43 |
|
Account Platinum Plus Current Account |
% each month 0.98 |
EAR % 12.43 |
|
Account Platinum Current Account |
% each month 1.12 |
EAR % 14.28 |
|
Account Gold Service Plus Current Account |
% each month 1.30 |
EAR % 16.77 |
|
Account Gold Service Current Account |
% each month 1.34 |
EAR % 17.32 |
|
Account Select Plus Current Account |
% each month 1.34 |
EAR % 17.32 |
|
Account Select Current Account |
% each month 1.45 |
EAR % 18.86 |
|
Account Silver Current Account |
% each month 1.45 |
EAR % 18.86 |
|
Account Classic Plus Account |
% each month 1.45 |
EAR % 18.86 |
|
Account Classic Account, Current Account |
% each month 1.48 |
EAR % 19.28 |
These interest rates were correct from 01 August 2007 to 12 November 2013.
The EAR does not take into account any additional charges - for example arrangement fees, securities charges or monthly fees - which may be applicable.
Under 19s Account
|
Balance between |
Quarterly interest - AER |
Quarterly interest - gross |
Quarterly interest - net |
|---|---|---|---|
|
Balance between £1 to £2,500 |
Quarterly interest - AER 2.50% |
Quarterly interest - gross 2.47% |
Quarterly interest - net 1.98% |
|
Balance between £2,501+ |
Quarterly interest - AER 0.1% |
Quarterly interest - gross 0.1% |
Quarterly interest - net 0.08% |
These interest rates were correct from 23 November 2009 to 01 September 2016.
|
Balance |
Quarterly interest - AER |
Quarterly interest - gross |
Quarterly interest - net |
|---|---|---|---|
|
Balance £1+ |
Quarterly interest - AER 2.50% |
Quarterly interest - gross 2.47% |
Quarterly interest - net 1.98% |
These interest rates were correct from 02 October 2012.
Vantage interest rates
For Classic Accounts or Added Value Accounts with the limited offer from 10 September 2012 to 31 October 2013.
|
Balance |
Monthly interest - AER |
Monthly interest - gross |
Monthly interest - net |
|---|---|---|---|
|
Balance £1+ |
Monthly interest - AER 1.50% |
Monthly interest - gross 1.49% |
Monthly interest - net 1.19% |
|
Balance £1,000 |
Monthly interest - AER 2.00% |
Monthly interest - gross 1.98% |
Monthly interest - net 1.59% |
|
Balance £3,000+ |
Monthly interest - AER 3.00% |
Monthly interest - gross 2.96% |
Monthly interest - net 2.37% |
|
Balance £5,000 up to £6,000 (when eligible application received by 31 October 2012) |
Monthly interest - AER 4.00% |
Monthly interest - gross 3.93% |
Monthly interest - net 3.14% |
These interest rates are correct from 10 September 2012 to 31 October 2013.
