SAVINGS ACCOUNTS
Make the most of this year’s ISA allowance with a Cash ISA or a Stocks and Shares ISA.
View our range of savings accounts
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If you don't need instant access to your savings, our fixed term accounts offer fixed interest rates for a longer period of time.
Account name
Interest
Minimum deposit
How long the account stays open
Withdrawals
Account name
Interest
3.70%
AER/tax free fixed.An extra 0.05% AER/tax free will be added if you already have a Lloyds Bank personal current account that has been opened for a minimum of 40 days.
Choose to have interest paid after each year or each month.
Minimum deposit
£3,000
How long the account stays open
1 year. Then your account will change to an Instant Cash ISA.
Withdrawals
Withdrawal charges apply
Account name
Interest
4.25%
AER/tax free fixed.
An extra 0.05% AER/tax free will be added if you already have a Lloyds Bank personal current account that has been opened for a minimum of 40 days.
Choose to have interest paid after each year or each month.
Minimum deposit
£3,000
How long the account stays open
2 years. Then your account will change to an Instant Cash ISA.
Withdrawals
Withdrawal charges apply
Account name
Interest
4.25%
AER/gross fixed for 2 years.
An extra 0.05% AER/gross will be added if you already have a Lloyds Bank personal current account that has been opened for a minimum of 40 days.
Choose to have interest paid after each year or each month.
Minimum deposit
£2,000
How long the account stays open
2 years. Then your account will change to a Standard Saver.
Withdrawals
None, by closure only. Charges apply
Account name
Interest
3.70%
AER/gross fixed for the one year term.
4.25%
AER/gross fixed for the two year term.
An extra 0.05% AER/gross will be added if you already have a Lloyds Bank personal current account that has been opened for a minimum of 40 days.
Interest is paid after each year.
Minimum deposit
£2,000
How long the account stays open
1 or 2 years. Then your account will change to a Standard Saver.
Withdrawals
None, by closure only. Charges apply
Account name
Interest
4.10%
AER/gross fixed.
Interest is paid after each year.
Minimum deposit
10% of the purchase price of the property
How long the account stays open
3 years. Then your account will change to a Standard Saver. See Standard Saver interest rates (PDF, 931KB).
Withdrawals
No withdrawals or early closure. You cannot access your money whilst it is being held as security against the Lend a Hand Mortgage.
Only available if either you or the mortgage applicant have a Club Lloyds current account.
For a definition of AER, gross and other terms, view our glossary.
Tax treatment depends on individual circumstances and may change in the future.
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Access your savings whenever you need. Ideal if you want to build your emergency fund to cover unexpected costs.
Account name
Interest
Minimum deposit
How long the account stays open
Withdrawals
Account name
Interest
3.00%
AER/2.96% tax free variable monthly if you make three or less withdrawals.
0.75%
AER/tax free variable monthly if you make four or more withdrawals.
Interest is paid monthly.
Minimum deposit
£1
How long the account stays open
1 year. Then your account will change to an Instant Cash ISA.
Withdrawals
Unlimited.
If you make four or more withdrawals, you’ll get a lower interest rate from the month you make the 4th withdrawal until the end of the account year.
Only available to Club Lloyds current account holders.
Account name
Interest
0.90%
tax free/AER on balances from £1 - £24,999.
1.15%
tax free/AER on balances from £25,000 - £99,999.
1.50%
tax free/AER on balances of £100,000 or more.
An extra 0.35% tax free/AER will be added if you already have a Club Lloyds or Private Banking personal current account.
Interest is variable and paid twice per year. Rate applies to the full balance.
Minimum deposit
£1
How long the account stays open
1 year. Then your account will change to an Instant Cash ISA.
Withdrawals
Instant
Account name
Interest
2.70%
AER/2.67% gross variable interest if you make three or less withdrawals.
0.75%
AER/gross variable if you make four or more withdrawals.
Interest is paid monthly.
Minimum deposit
£1
How long the account stays open
1 year. Then your account will change to a Standard Saver.
Withdrawals
Unlimited.
If you make 4 or more withdrawals, you’ll get a lower interest rate from the month you make the fourth withdrawal until the end of the account year.
Only available to Club Lloyds current account holders.
Account name
Interest
1.25%
gross/AER on balances from £1 - £24,999.
1.50%
gross/AER on balances from £25,000 - £99,999.
1.75%
gross/AER on balances of £100,000 or more.
Interest is variable. Choose to have it paid each month or after a year. Rate applies to the full balance.
Minimum deposit
£1
How long the account stays open
1 year. Then your account will change to a Standard Saver.
Withdrawals
Instant
Only available to Club Lloyds current account holders.
Account name
Interest
0.90%
gross/AER on balances from £1 - £24,999.
1.15%
gross/AER on balances from £25,000 - £99,999.
1.50%
gross/AER on balances of £100,000 or more.
Interest is variable and paid after a year. Rate applies to the full balance.
Minimum deposit
£1
How long the account stays open
1 year. Then your account will change to a Standard Saver.
Withdrawals
Instant
You can have up to five Easy Saver accounts. You can name each one to help you save for different things.
Account name
Interest
2.50%
AER/2.47% gross on balances from £1 - £5,000.
0.90%
AER/0.90% gross on any excess above £5,000.
The interest rate is variable and it's paid after each month.
Minimum deposit
£1
How long the account stays open
Until the child's 16th birthday. Then the account will change to an adult Easy Saver.
Withdrawals
Unlimited
Account name
Interest
2.50%
AER/2.47% gross on balances from £1 - £1,000.
0.85%
AER/gross on any excess above £1,000.
Interest on savings account only. Interest is variable and is paid after each month.
Minimum deposit
£1
How long the account stays open
After the child’s 18th birthday, the savings account will change to an adult Standard Saver. The spending account will change to an adult Classic Account.
Withdrawals
Unlimited
You need a Club Lloyds current account to open this account for your child.
Account name
Interest
6.25%
gross/AER fixed.
Interest is paid after a year.
Minimum deposit
£25-£400 a month
How long the account stays open
1 year. Then your account will change to a Standard Saver.
Withdrawals
Instant
Only available to Club Lloyds current account holders.
Account name
Interest
5.25%
gross/AER fixed.
Interest is paid after a year.
Minimum deposit
£25-£250 a month
How long the account stays open
1 year. Then your account will change to a Standard Saver.
Withdrawals
Instant
For a definition of AER, gross and other terms, view our glossary.
Tax treatment depends on individual circumstances and may change in the future.
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Are you a Club Lloyds customer? Your exclusive rates are below.
Account name
Interest
Minimum deposit
How long the account stays open
Withdrawals
Account name
Interest
3.00%
AER/2.96% tax free variable monthly if you make three or less withdrawals.
0.75%
AER/tax free variable monthly if you make four or more withdrawals.
Interest is paid monthly.
Minimum deposit
£1
How long the account stays open
1 year. Then your account will change to an Instant Cash ISA.
Withdrawals
Unlimited.
If you make four or more withdrawals, you’ll get a lower interest rate from the month you make the 4th withdrawal until the end of the account year.
Only available to Club Lloyds current account holders.
Account name
Interest
2.70%
AER/2.67% gross variable interest if you make three or less withdrawals.
0.75%
AER/gross variable if you make four or more withdrawals.
Interest is paid monthly.
Minimum deposit
£1
How long the account stays open
1 year. Then your account will change to a Standard Saver.
Withdrawals
Unlimited.
If you make 4 or more withdrawals, you’ll get a lower interest rate from the month you make the fourth withdrawal until the end of the account year.
Only available to Club Lloyds current account holders.
Account name
Interest
1.25%
gross/AER on balances from £1 - £24,999.
1.50%
gross/AER on balances from £25,000 - £99,999.
1.75%
gross/AER on balances of £100,000 or more.
Interest is variable. Choose to have it paid each month or after a year. Rate applies to the full balance.
Minimum deposit
£1
How long the account stays open
1 year. Then your account will change to a Standard Saver.
Withdrawals
Instant
Only available to Club Lloyds current account holders.
Account name
Interest
6.25%
gross/AER fixed.
Interest is paid after a year.
Minimum deposit
£25-£400 a month
How long the account stays open
1 year. Then your account will change to a Standard Saver.
Withdrawals
Instant
Only available to Club Lloyds current account holders.
Account name
Interest
0.90%
tax free/AER on balances from £1 - £24,999.
1.15%
tax free/AER on balances from £25,000 - £99,999.
1.50%
tax free/AER on balances of £100,000 or more.
An extra 0.35% tax free/AER will be added if you already have a Club Lloyds or Private Banking personal current account.
Interest is variable and paid twice per year. Rate applies to the full balance.
Minimum deposit
£1
How long the account stays open
1 year. Then your account will change to an Instant Cash ISA.
Withdrawals
Instant
For a definition of AER, gross and other terms, view our glossary.
Tax treatment depends on individual circumstances and may change in the future.
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Children's savings accounts are a great way to put money away for your younger ones. Or encourage them to save with their own savings account.
Account name
Interest
Minimum deposit
How long the account stays open
Withdrawals
Account name
For 11 to 15 year olds who want to save, spend and learn with parental oversight.
As part of Smart Start, the child gets a savings account and a current account.
Interest
2.50%
AER/2.47% gross on balances from £1 - £1,000.
0.85%
AER/gross on any excess above £1,000.
Interest on savings account only. Interest is variable and is paid after each month.
Minimum deposit
£1
How long the account stays open
After the child’s 18th birthday, the savings account will change to an adult Standard Saver. The spending account will change to an adult Classic Account.
Withdrawals
Unlimited
You need a Club Lloyds current account to open this account for your child.
Account name
Interest
2.70%
tax free/AER variable.
Interest is paid after each year.
Minimum deposit
£1
How long the account stays open
Until the child's 18th birthday. Then the account will change to an adult Cash ISA Saver.
Withdrawals
None until the child's 18th birthday
Account name
Interest
2.50%
AER/2.47% gross on balances from £1 - £5,000.
0.90%
AER/0.90% gross on any excess above £5,000.
The interest rate is variable and it's paid after each month.
Minimum deposit
£1
How long the account stays open
Until the child's 16th birthday. Then the account will change to an adult Easy Saver.
Withdrawals
Unlimited
For a definition of AER, gross and other terms, view our glossary.
Tax treatment depends on individual circumstances and may change in the future.
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Savings offer steady growth. You can earn variable or fixed interest on the money you put aside. The general rule is to have three months’ worth of living expenses saved up. Money in an instant access savings account will help cover unexpected costs.
Investments can be another way to help your money grow. We have a range of investments products for you to choose from.
Please remember that the value of all investments can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek financial advice. Tax treatment depends on personal circumstances and may be subject to change.
Our cash ISAs help you to earn tax-free interest. Choose between instant access and fixed term accounts, depending on how long you want to save for.
To learn more about ISAs, read our ISA guide.
Already have an ISA elsewhere? Click here to transfer your ISA.
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Account name |
Interest |
Minimum deposit |
How long the account stays open |
Withdrawals |
|
|---|---|---|---|---|---|
Account name |
Interest3.70%
An extra 0.05% AER/tax free will be added if you already have a Lloyds Bank personal current account that has been opened for a minimum of 40 days.
Choose to have interest paid after each year or each month. |
Minimum deposit£3,000 |
How long the account stays open1 year. Then your account will change to an Instant Cash ISA. |
WithdrawalsWithdrawal charges apply |
|
Account name |
Interest4.25% AER/tax free fixed.
An extra 0.05% AER/tax free will be added if you already have a Lloyds Bank personal current account that has been opened for a minimum of 40 days.
Choose to have interest paid after each year or each month. |
Minimum deposit£3,000 |
How long the account stays open2 years. Then your account will change to an Instant Cash ISA. |
WithdrawalsWithdrawal charges apply |
|
Account name |
Interest3.00% AER/2.96% tax free variable monthly if you make three or less withdrawals. 0.75% AER/tax free variable monthly if you make four or more withdrawals. Interest is paid monthly. |
Minimum deposit£1 |
How long the account stays open1 year. Then your account will change to an Instant Cash ISA. |
WithdrawalsUnlimited. If you make four or more withdrawals, you’ll get a lower interest rate from the month you make the 4th withdrawal until the end of the account year. |
Only available to Club Lloyds current account holders. |
Account name |
Interest0.90% tax free/AER on balances from £1 - £24,999. 1.15% tax free/AER on balances from £25,000 - £99,999. 1.50% tax free/AER on balances of £100,000 or more. An extra 0.35% tax free/AER will be added if you already have a Club Lloyds or Private Banking personal current account. Interest is variable and paid twice per year. Rate applies to the full balance. |
Minimum deposit£1 |
How long the account stays open1 year. Then your account will change to an Instant Cash ISA. |
WithdrawalsInstant |
|
Account name |
Interest2.70% AER/tax free variable. Interest is paid after each year. |
Minimum deposit£1 |
How long the account stays openUntil the child's 18th birthday. Then the account will change to an adult Cash ISA Saver. |
WithdrawalsNone until the child's 18th birthday |
For a definition of AER, gross and other terms, view our glossary.
Tax treatment depends on individual circumstances and may change in the future.
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).