Packaged accounts
Accounts that offer a range of insurance and lifestyle benefits along with all the everyday banking services you rely on.
Packaged account basics
You could save on average up to £382 a year with a Platinum Account
Based on average quotes for similar cover included with the Platinum insurance benefits, researched by Consumer Intelligence Ltd in June 2026. Learn more about the value of your benefits.
Lloyds packaged accounts
Feel confident on every journey with bundled cover for your phone, travel and roadside needs.
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 (from the 13th of January 2027 this will increase to £13 a month). £5 Club Lloyds Fee refunded each month you pay in £2,000 or more.
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 (from the 13th of January 2027 this will increase to £25 a month). £5 Club Lloyds Fee refunded each month you pay in £2,000 or more.
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 (from the 13th of January 2027 this will increase to £13 a month).
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 (from the 13th of January 2027 this will increase to £25 a month).
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?
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Value table Platinum account benefits
Annual average value
Platinum account benefits
Worldwide travel insurance
Annual average value
£513
Platinum account benefits
Breakdown cover
Annual average value
£67
Platinum account benefits
Mobile phone insurance
Annual average value
£102
Platinum account benefits
Total
Annual average value
£682
The Platinum account offers total annual insurance benefits worth on average £756, all for £270 a year (£22.50 per month. From the 13th of January 2027 the price will increase to £25 per month costing £300 per year).
This could give you an average saving of £382 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 June 2026.
Read the full report (PDF, 489KB)
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Value table Silver account benefits
Annual average value
Silver account benefits
European travel insurance
Annual average value
£157
Silver account benefits
Breakdown cover
Annual average value
£59
Silver account benefits
Mobile phone insurance
Annual average value
£102
Silver account benefits
Total
Annual average value
£318
The Silver account has total annual insurance benefits worth on average £318, all for £138 a year (£11.50 per month, from the 13th of January 2027 this will increase to £13 per month £156 a year).
This could give you an average savings of £162 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 June 2026.Read the full report (PDF, 489KB)
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Account opening is subject to status, 18+, UK resident
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