Current account rates (previous)

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.

Club Lloyds current account

  Interest Paid Monthly
Balance AERCloseAER AER 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. % GrossCloseGrossGross 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. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1 up to £1,999.99 1.00% 1.00% 0.80%
£2,000 up to £3,999.99 2.00% 1.98% 1.59%
£4,000 up to £5,000 4.00% 3.93% 3.14%

These interest rates are correct from 30/03/2014 to 07/01/2017.


Club Lloyds Gold


Interest Paid Monthly
Balance AERCloseAER AER 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. % GrossCloseGrossGross 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. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1 up to £1,999.99 1.00% 1.00% 0.80%
£2,000 up to £3,999.99 2.00% 1.98% 1.59%
£4,000 up to £5,000 4.00% 3.93% 3.14%

These interest rates are correct from 30/03/2014 to 07/01/2017.


Club Lloyds Platinum

  Interest Paid Monthly
Balance AERCloseAER AER 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. % GrossCloseGrossGross 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. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1 up to £1,999.99 1.00% 1.00% 0.80%
£2,000 up to £3,999.99 2.00% 1.98% 1.59%
£4,000 up to £5,000 4.00% 3.93% 3.14%

These interest rates are correct from 30/03/2014 to 07/01/2017.


Club Lloyds Premier

  Interest Paid Monthly
Balance AERCloseAER AER 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. % GrossCloseGrossGross 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. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1 up to £1,999.99 1.00% 1.00% 0.80%
£2,000 up to £3,999.99 2.00% 1.98% 1.59%
£4,000 up to £5,000 4.00% 3.93% 3.14%

These interest rates are correct from 30/03/2014 to 07/01/2017.


Club Lloyds Silver

  Interest Paid Monthly
Balance AERCloseAER AER 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. % GrossCloseGrossGross 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. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1 up to £1,999.99 1.00% 1.00% 0.80%
£2,000 up to £3,999.99 2.00% 1.98% 1.59%
£4,000 up to £5,000 4.00% 3.93% 3.14%

These interest rates are correct from 30/03/2014 to 07/01/2017.

Classic Account

Classic account Interest Paid Annually
AERCloseAERAER 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. % GrossCloseGrossGross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are unlikely to pay tax on your savings income and have completed an HMRC R85 form. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1+ 0.10 0.10 0.08

These interest rates were correct from 01/03/2004 to 18/08/2008.

View current rates


Classic Plus Account

Regular Monthly Deposit Interest Paid Monthly
Balance AERCloseAERAER 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. % GrossCloseGrossGross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are unlikely to pay tax on your savings income and have completed an HMRC R85 form. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1,000+ £1 - £2500* 3.50 3.45 2.76

These interest rates were correct from 03/11/2008 to 02/01/2009.

View current rates


Vantage Interest Rates

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 3rd 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.

Interest (calculated daily and paid monthly)
Balances between
AERCloseAERAER 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. % GrossCloseGrossGross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are unlikely to pay tax on your savings income and have completed an HMRC R85 form. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1 - £999 0.00% 0.00% 0.00%
£1,000 - £2,999 0.50% 0.50% 0.40%
£3,000 - £5,000 1.50% 1.49% 1.19%

These interest rates were correct from 02/07/2014 to 02/05/2016.

 

Balance AERCloseAERAER 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. % GrossCloseGrossGross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are unlikely to pay tax on your savings income and have completed an HMRC R85 form. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1+ 1.50 1.49 1.19
£1,000+ 2.00 1.98 1.59
£3,00 to £5,000 3.00 2.96 2.37

These interest rates were correct from 27/06/2011 to 02/07/2014.


Vantage Account Interest Rates

Balance Interest Paid Monthly
AERCloseAERAER 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. % GrossCloseGrossGross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are unlikely to pay tax on your savings income and have completed an HMRC R85 form. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1+ 0.10 0.10 0.08
£1,000+ 2.00 1.98 1.59
£3,000+ 3.00 2.96 2.37
£5,000 up to £7,000 4.00 3.93 3.14

These interest rates were correct from 02/02/2009 to 27/06/2011.

View current rates


Gold Service Account

Gold Service current account Interest paid annually
AERCloseAERAER 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. % GrossCloseGrossGross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are unlikely to pay tax on your savings income and have completed an HMRC R85 form. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£50,000 + 0.10 0.10 0.08
£1+ 0.10 0.10 0.08

These interest rates were correct from 04/04/2005 to 02/10/2012.

View current ratesfor all current accounts


Gold Service Plus Account

Regular Monthly Deposit Interest Paid Monthly
Balance AERCloseAERAER 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. % GrossCloseGrossGross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are unlikely to pay tax on your savings income and have completed an HMRC R85 form. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1,000+ £1 - £2500* 3.50 3.45 2.76

These interest rates were correct form 03/11/2008 to 02/10/2012.

View current rates


Graduate Account - Credit

Graduate account Interest Paid Monthly
AERCloseAERAER 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. % GrossCloseGrossGross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are unlikely to pay tax on your savings income and have completed an HMRC R85 form. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1+ 0.00 0.00 0.00

These interest rates were correct from 29/09/2003 to 02/10/2012.

View current rates


Graduate account – Planned and Unplanned Overdrafts

Graduate account % Per Month EAR %
Year 1: £2,000+ 1.30 16.77
£0 - £2,000 0.00 0.00
Year 2: £1,500+ 1.30 16.77
£0 - £1,500 0.00 0.00
Year 3: £1,000+ 1.30 16.77
£0 - £1,000 0.00 0.00

These interest rates were correct from 12/11/2013 to 01/09/2016.

Graduate account % Per Month EARCloseEAREAR is the Equivalent Annual Rate. This is the actual annual rate of an overdraft. It doesn't take into account other fees and charges. Interest is normally paid at the net rate unless the Account falls within an exempt category or the Account holder qualifies to receive interest gross. Interest rates may vary from time to time. All rates are per annum except where stated. %
Year 1: £2,000+ 1.30 16.8
£0 - £2,000 0.00 0.00
Year 2: £1,500+ 1.30 16.8
£0 - £1,500 0.00 0.00
Year 3: £1,000+ 1.30 16.8
£0 - £1,000 0.00 0.00

These interest rates were correct from 01/08/2007 to 12/11/2013.

View current rates


Platinum Account

Platinum current account Interest paid annually
AERCloseAERAER 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. % GrossCloseGrossGross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are unlikely to pay tax on your savings income and have completed an HMRC R85 form. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£50,000 + 0.10 0.10 0.08
£1+ 0.10 0.10 0.08

These interest rates were correct from 01/08/2007 to 02/10/2012.

View current rates


Platinum Plus Account

Regular Monthly Deposit Interest Paid Monthly
Balance AERCloseAERAER 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. % GrossCloseGrossGross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are unlikely to pay tax on your savings income and have completed an HMRC R85 form. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1,000+ £1 - £2500* 3.50 3.45 2.76

These interest rates were correct from 03/11/2008 to 02/10/2012.

View current rates


Premier Plus Account

Regular Monthly Deposit Interest Paid Monthly
Balance AERCloseAERAER 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. % GrossCloseGrossGross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are unlikely to pay tax on your savings income and have completed an HMRC R85 form. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1,000+ £1 - £2500* 3.50 3.45 2.76

These interest rates were correct from 03/11/2008 to 02/10/2012.

View current rates


Select Account

Select current account Interest paid annually
AERCloseAERAER 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. % GrossCloseGrossGross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are unlikely to pay tax on your savings income and have completed an HMRC R85 form. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1+ 0.10 0.10 0.08

These interest rates were correct from 01/03/2004 to 02/10/2012.

View current rates


Select Plus Account

Regular Monthly Deposit Interest Paid Monthly
Balance AERCloseAERAER 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. % GrossCloseGrossGross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are unlikely to pay tax on your savings income and have completed an HMRC R85 form. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1,000+ £1 - £2500* 3.50 3.45 2.76

These interest rates were correct from 03/11/2008 to 02/10/2012.

View current rates


Early Student Account

Early Student Account % Per Month EARCloseEAREAR is the Equivalent Annual Rate. This is the actual annual rate of an overdraft. It doesn't take into account other fees and charges. Interest is normally paid at the net rate unless the Account falls within an exempt category or the Account holder qualifies to receive interest gross. Interest rates may vary from time to time. All rates are per annum except where stated. %
£200+ 0.66 8.21
£0-£200 0.00 0.00

These interest rates were correct from 16/03/2009 to 02/10/2012.

View current rates


Student Account and Early Student Account – Planned and Unplanned Overdrafts

Student account % Per Month EARCloseEAREAR is the Equivalent Annual Rate. This is the actual annual rate of an overdraft. It doesn't take into account other fees and charges. Interest is normally paid at the net rate unless the Account falls within an exempt category or the Account holder qualifies to receive interest gross. Interest rates may vary from time to time. All rates are per annum except where stated. %
Year 1: £1,500+ 0.66 8.2
£0 - £1,500 0.00 0.0
Year 2: £1,500+ 0.66 8.2
£0 - £1,500 0.00 0.0
Year 3: £1,500+ 0.66 8.2
£0 - £1,500 0.00 0.0
Years 4, 5 & 6: £2,000+ 0.66 8.2
£0 - £2,000 0.00 0.0

These interest rates were correct from 01/08/2007 to 12/11/2013.


Personal Overdrafts – Planned and Unplanned Overdrafts

AccountInterest paid monthly
% Per MonthEAR %
Premier Current Account 1.20
15.43
Platinum Current Account 1.34
17.28
Gold Service Current Account 1.53
19.94
Silver Current Account 1.53 19.94
Classic Account 1.53

19.94

These interest rates were correct from 12/11/2013 to 01/09/2016.

AccountInterest paid monthly
% Per MonthEAR %
Club Lloyds Current Account 1.53
19.94
Club Lloyds Silver Current Account 1.53
19.94
Club Lloyds Gold Current Account 1.53
19.94
Club Lloyds Platinum Current Account 1.34 17.28
Club Lloyds Premier Current Account 1.20

15.43

These interest rates were correct from 22/04/2014 to 01/09/2016.

Account Interest paid monthly
% Per Month EARCloseEAREAR is the Equivalent Annual Rate. This is the actual annual rate of an overdraft. It doesn't take into account other fees and charges. Interest is normally paid at the net rate unless the Account falls within an exempt category or the Account holder qualifies to receive interest gross. Interest rates may vary from time to time. All rates are per annum except where stated. %
Premier Plus Current Account 0.98 12.43
Premier Current Account 0.98 12.43
Platinum Plus Current Account 0.98 12.43
Platinum Current Account 1.12 14.28
Gold Service Plus Current Account 1.30 16.77
Gold Service Current Account 1.34 17.32
Select Plus Current Account 1.34 17.32
Select Current Account 1.45 18.86
Silver Current Account 1.45 18.86
Classic Plus Account 1.45 18.86
Classic Account, Current Account 1.48 19.28

These interest rates were correct from 01/08/2007 to 12/11/2013.

The EAR does not take into account any additional charges (e.g. arrangement fees/securities charges/ monthly fees) which may be applicable.


Under 19s Account

Balance Interest Paid Quarterly
AERCloseAERAER 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. % GrossCloseGrossGross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are unlikely to pay tax on your savings income and have completed an HMRC R85 form. % NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1 - £2,500 2.50 2.47 1.98
£2,501+ 0.1 0.1 0.08

These interest rates were correct from 23/11/2009 to 01/09/2016.

Under 19's account Interest Paid Quarterly
AER % Gross % Net %
£1+
2.50 2.47 1.98

These interest rates were correct from 02/10/2012.


Vantage Interest Rates - for Classic Accounts or Added Value Accounts with the limited offer from 10 September 2012 - 31 October 2013

Balance Interest Paid Monthly
AERCloseAERAER 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. % GrossCloseGrossGross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are unlikely to pay tax on your savings income and have completed an HMRC R85 form. %NetCloseNetNet rate is the rate of interest the account pays after basic rate tax has been deducted. If you are unlikely to pay tax on your savings income you can request your interest to be paid gross by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. %
£1+ 1.50 1.49 1.19
£1,000 2.00 1.98 1.59
£3,000+ 3.00 2.96 2.37
£5,000 up to £6,000 (when eligible application received by 31 October 2012) 4.00 3.93 3.14

These interest rates are correct from 10/09/2012 to 31/10/2013

Important legal information

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. Authorisation can be checked on the Financial Services Register at www.fca.org.ukVisit the Financial Conduct Authority website. Lloyds Bank plc is a member of the Financial Services Compensation Scheme and the Financial Ombudsman Service. We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.ukVisit the Lending Standards Board website .

Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065.

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