Saving calculator

Work out how much you need to save monthly to reach your savings goal or how long it will take you to get there. You can also work out how much you'll have if you save a regular amount each month.

View saving calculators

Explore our range of savings accounts

  • Each year you can take advantage of a personal ISA allowance, helping you to save and earn tax-free interest. By tying yourself into a fixed ISA you could benefit from a fixed rate for that term. Or choose an instant access ISA giving you flexibility over a shorter period

    Account name

    Interest rate

    Minimum deposit

    Open

    Withdrawals

    Account name

    Interest rate

    4.35%
    AER/tax free fixed.

     

    Plus, an extra 0.10% AER/tax free if you already have a Lloyds Bank personal current account that has been opened for a minimum of 40 days.

     

    Choose to receive interest monthly or after each year.

    Minimum deposit

    £3,000

    Open

    For 1 year. Your account will then change to an Instant Cash ISA.

    Withdrawals

    Charges apply

    Learn more and apply for a 1 Year Fixed Rate Cash ISA

    Account name

    Interest rate

    4.00%

    AER/tax free fixed. 

     

    Plus an extra 0.05% AER/tax free if you already have a Lloyds Bank personal current account that has been opened for a minimum of 40 days.

     

    Choose to receive interest monthly, or after each year.

    Minimum deposit

    £3,000

    Open

    For 2 years. Your account will then change to an Instant Cash ISA.

    Withdrawals

    Charges apply

    Account name

    Club Lloyds Advantage ISA Saver

     

    Only available to Club Lloyds current account holders.

    Interest rate

    4.00%

    AER/3.93% tax free variable monthly if you make 3 or less withdrawals.

    1.30%

    AER/1.29% tax free variable monthly if you make 4 or more withdrawals.

    Interest is paid monthly.

    Minimum deposit

    £1

    Open

    For 1 year.  Your account will then change to an Instant Cash ISA

    Withdrawals

    Unlimited.

    If you make 4 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.

    Learn more and apply for a Club Lloyds Advantage ISA Saver

    Account name

    Interest rate

    1.40%

    AER/tax free on balances from £1 - £24,999.

    1.45%

    AER/tax free on balances from £25,000 - £99,999. 

    1.90%

    AER/tax free on balances from £100,000 or more.

    An extra 0.30% AER/tax free 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

    Open

    For 1 year.  Your account will then change to an Instant Cash ISA

    Withdrawals

    Unlimited

    Learn more and apply for a Cash ISA Saver

    Account name

    Interest rate

    3.15%

    AER/tax free variable.

    Interest is paid after each year.

    Minimum deposit

    £1

    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

    Learn more and apply for a Junior Cash ISA

    Account name

    Instant Cash ISA

    If you have an adult cash ISA with us, it will change into this account at the end of its term.

    Interest rate

    1.40%

    AER/tax free on balances from £1 - £24,999.

    1.45%

    AER/tax free on balances from £25,000 - £99,999.

    1.90%

    AER/tax free on balances from £100,000 or more.

    Interest is variable and applies to the full balance. It is paid at the same frequency as your original ISA. 

    Minimum deposit

    £1

    Open

    There's no end date.

    Withdrawals

    Unlimited

    You cannot apply direct for an Instant Cash ISA

    Tax treatment depends on individual circumstances and may change in the future.

    Have you thought about investing?

    If you're looking to grow your funds, our investment options could provide a higher return than saving. Explore our range of investment accounts to see if it could work for you.

     

    Learn more about investing

    Interest on savings

    Interest rates are subject to change. You can check current interest rates online at any time.

     

  • If you don't need instant access to your savings, you could lock your money in to benefit from a fixed rate for that term. Whether you're saving for a planned project, or just want the reassurance of a growing safety net, a fixed term account could help.
     

    Account

    Interest rate

    Minimum deposit

    Open

    Withdrawals

    Where next?

    Account

    Interest rate

    4.35%
    AER/tax free fixed.

     

    Plus, an extra 0.10% AER/tax free if you already have a Lloyds Bank personal current account that has been opened for a minimum of 40 days.

     

    Choose to receive interest monthly, or after each year.

    Minimum deposit

    £3,000

    Open

    For 1 year. Your account will then change to an Instant Cash ISA.

    Withdrawals

    Charges apply

    Where next?

    Learn more and apply for a 1 Year Fixed Rate Cash ISA

    Account

    Interest rate

    4.00%

    AER/tax free fixed.

     

    An extra 0.05% AER/tax free if you already have a Lloyds Bank personal current account that has been opened for a minimum of 40 days.

     

    Choose to receive interest monthly, or  after each year.

    Minimum deposit

    £3,000

    Open

    For 2 years. Your account will then change to an Instant Cash ISA.

    Withdrawals

    Charges apply

    Where next?

    Learn more and apply for a 2 Year Fixed Rate Cash ISA

    Account

    Interest rate

    4.35%

    AER/gross fixed for a 1-year term.

    4.00%

    AER/gross fixed for a 2-year term.

     

    Plus an extra 0.10% AER/gross for the one year term or 0.05% AER/gross for the two year term 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

    Open

    For 1 or 2 years. Your account will then change to a Standard Saver.

    Withdrawals

    By account closure only. Charges apply

    Where next?

    Learn more and apply for a Online Fixed Bond

    Account

    Lend a Hand Fixed Savings Account

    Only available if either you or the mortgage applicant have a Club Lloyds current account.

    Interest rate

    4.10%

    AER/gross fixed.

    Interest is paid after each year.

    Minimum deposit

    10% of the purchase price of the property

    Open

    For 3 years. Your account will then change to a Standard Saver.

    Withdrawals

    No withdrawals or early closure while your money is being held as security against the Lend a Hand Mortgage.

    Where next?

    Learn more and apply for a Lend a Hand Fixed Savings Account

    Account

    Standard Saver

    If you have a Club Lloyds Saver, Club Lloyds Monthly Saver, Club Lloyds, Advantage Saver, Easy Saver, Monthly Saver, Fixed Bond, Online Fixed Bond or Lend a Hand Fixed Savings Account with us, it will change into this account at the end of its term.

    Interest rate

    1.40%

    AER/gross on balances from £1 - £24,999.

    1.45%

    AER/gross on balances from £25,000 - £99,999.

    1.90%

    AER/gross on balances from £100,000 or more.

    Interest is variable and applies to the full balance. It is paid at the same frequency as your original savings account.

    Minimum deposit

    £1

    Open

    There's no end date.

    Withdrawals

    Unlimited

    Where next?

    You can't apply direct for a Standard Saver

    Account

    Instant Cash ISA

    If you have an adult cash ISA with us, it will change into this account at the end of its term.

    Interest rate

    1.40%

    AER/tax free on balances from £1 - £24,999.

    1.45%

    AER/tax free on balances from £25,000 - £99,999.

    1.90%

    AER/tax free on balances from £100,000 or more.

    Interest is variable and applies to the full balance. It is paid at the same frequency as your original ISA.

    Minimum deposit

    £1

    Open

    There's no end date.

    Withdrawals

    Unlimited

    Where next?

    You can't apply direct for an Instant Cash ISA

    Tax treatment depends on individual circumstances and may change in the future.

    Have you thought about investing?

    If you're looking to grow your funds, our investment options could provide a higher return than saving. Explore our range of investment accounts to see if it could work for you.

     

    Learn more about investing

    Interest on savings

    Interest rates are subject to change. You can check current interest rates online at any time.

     


  • If you’re a Club Lloyds member, in addition to your other benefits, we offer exclusive rates on savings accounts. Start saving with as little as £1, with the benefit of instant access to your money if you need it. Make the most of your membership and start growing your savings today.

     

    Account

    Interest rate

    Minimum deposit

    Open

    Withdrawals

    Where next?

    Account

    Club Lloyds Advantage Saver

     

    Only available to Club Lloyds current account holders.

    Interest rate

    4.00%

    AER/3.93% gross variable interest if you make 3 or less withdrawals.

    1.30%

    AER/1.29% gross variable if you make 4 or more withdrawals.

    Interest is paid monthly.

    Minimum deposit

    £1

    Open

    For 1 year.  Your account will then 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 4th withdrawal until the end of the account year.

    Where next?

    Learn more and apply for a Club Lloyds Advantage Saver

    Account

    Club Lloyds Advantage ISA Saver

     

    Only available to Club Lloyds current account holders.

     

    Interest rate

    4.00%

    AER/3.93% tax free variable monthly if you make 3 or less withdrawals.

    1.30%

    AER/1.29% tax free variable monthly if you make 4 or more withdrawals.

    Interest is paid monthly.

    Minimum deposit

    £1

    Open

    For 1 year. Your account will then change to an Instant Cash ISA

    Withdrawals

    Unlimited.

    If you make 4 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.

    Where next?

    Learn more and apply for a Club Lloyds Advantage ISA Saver

    Account

    Club Lloyds Saver

     

    Only available to Club Lloyds current account holders.

    Interest rate

    1.70%

    AER/gross on balances from £1 - £24,999.

    1.75%

    AER/gross on balances from £25,000 - £99,999. 

    2.20%

    AER/gross on balances from £100,000 or more.

    Interest is variable. Choose to receive interest monthly, or after each year. Rate applies to the full balance.

    Minimum deposit

    £1

    Open

    For 1 year. Your account will then change to a Standard Saver

    Withdrawals

    Unlimited

    Where next?

    Learn more and apply for a Club Lloyds Saver

    Account

    Club Lloyds Monthly Saver

     

    Only available to Club Lloyds current account holders.

    Interest rate

    6.25%

    AER/gross fixed.

    Interest is paid after a year.

    Minimum deposit

    £25-£400 a month

    Open

    1 year. Then your account will change to a Standard Saver.

    Withdrawals

    Unlimited

    Where next?

    Learn more and apply for a Club Lloyds Monthly Saver

    Account

    Interest rate

    1.40%

    AER/tax free on balances from £1 - £24,999.

    1.45%

    AER/tax free on balances from £25,000 - £99,999. 

    1.90%

    AER/tax free on balances of £100,000 or more.

    An extra 0.30% 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

    Open

    For 1 year. Your account will then change to an Instant Cash ISA

    Withdrawals

    Unlimited

    Where next?

    Learn more and apply for a Cash ISA Saver

    Account

    Standard Saver

    If you have a Club Lloyds Saver, Club Lloyds Monthly Saver, Club Lloyds, Advantage Saver, Easy Saver, Monthly Saver, Fixed Bond, Online Fixed Bond or Lend a Hand Fixed Savings Account with us, it will change into this account at the end of its term.

    Interest rate

    1.40%

    AER/gross on balances from £1 - £24,999.

    1.45%

    AER/gross on balances from £25,000 - £99,999.

    1.90%

    AER/gross on balances from £100,000 or more.

    Interest is variable and applies to the full balance. It is paid at the same frequency as your original savings account.

    Minimum deposit

    £1

    Open

    There's no end date.

    Withdrawals

    Unlimited

    Where next?

    You can't apply direct for a Standard Saver

    Account

    Instant Cash ISA

    If you have an adult cash ISA with us, it will change into this account at the end of its term.

    Interest rate

    1.40%

    AER/tax free on balances from £1 - £24,999.

    1.45%

    AER/tax free on balances from £25,000 - £99,999.

    1.90%

    AER/tax free on balances from £100,000 or more.

    Interest is variable and applies to the full balance. It is paid at the same frequency as your original ISA.

    Minimum deposit

    £1

    Open

    There's no end date.

    Withdrawals

    Unlimited

    Where next?

    You can't apply direct for an Instant Cash ISA

    More about Club Lloyds savings accounts  

    Tax treatment depends on individual circumstances and may change in the future.

    Have you thought about investing?

    If you're looking to grow your funds, our investment options could provide a higher return than saving. Explore our range of investment accounts to see if it could work for you.

     

    Learn more about investing


  • Instead of filling up a piggy bank, open a child’s savings account and put their pennies to work. As well as helping them to grow their savings for the future, you could help a child to establish a positive and confident relationship with money.

     

    Account

    Interest rate

    Minimum deposit

    Open

    Withdrawals

    Where next?

    Account

    Smart Start

    Designed for 11-15 year olds, providing a current account and savings account.

     

    You need a Club Lloyds current account to open this account for your child.

    Interest rate

    3.15%

    AER/3.11% gross on balances from £1 - £1,000.

    1.40% 

    AER/1.39% gross on any excess above £1,000.

    Interest applies to the savings account only and is paid monthly.

    Minimum deposit

    £1

    Open

    Until the child’s 18th birthday. The savings account will change to an adult Easy Saver. The spending account will change to an adult Classic Account.

    Withdrawals

    Unlimited

    Where next?

    Learn more and apply for a Smart Start

    Account

    Interest rate

    3.15%

    AER/tax free variable.

    Interest is paid after each year.

    Minimum deposit

    £1

    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

    Where next?

    Learn more and apply for a Junior Cash ISA

    Account

    Interest rate

    3.15%

    AER/3.11% gross on balances from £1 - £5,000.

    1.40%

    AER/1.39% gross on any excess above £5,000.

    Interest is variable and paid monthly.

    Minimum deposit

    £1

    Open

    Until the child's 16th birthday. Then the account will change to an adult Easy Saver.

    Withdrawals

    Unlimited

    Where next?

    Learn more and apply for a  Child Saver

    Account

    Standard Saver

    If you have a Club Lloyds Saver, Club Lloyds Monthly Saver, Club Lloyds, Advantage Saver, Easy Saver, Monthly Saver, Fixed Bond, Online Fixed Bond or Lend a Hand Fixed Savings Account with us, it will change into this account at the end of its term.

    Interest rate

    1.40%

    AER/gross on balances from £1 - £24,999.

    1.45%

    AER/gross on balances from £25,000 - £99,999.

    1.90%

    AER/gross on balances from £100,000 or more.

    Interest is variable and applies to the full balance. It is paid at the same frequency as your original savings account.

    Minimum deposit

    £1

    Open

    There's no end date.

    Withdrawals

    Unlimited

    Where next?

    You can't apply direct for a Standard Saver

    Tax treatment depends on individual circumstances and may change in the future.

    Have you thought about investing?

    If you're looking to grow your funds, our investment options could provide a higher return than saving. Explore our range of investment accounts to see if it could work for you.

     

    Learn more about investing

    Interest on savings

    Interest rates are subject to change. You can check current interest rates online at any time.

     

  • While savings accounts can help you earn variable or fixed interest on the money you set aside, investments could be another way to help your money grow. We offer a range of investment options you might like to consider:

    Share Dealing ISA

    If you’re confident and want to choose your own stocks, shares, funds and more, a Share Dealing ISA might suit you. Invest up to £20,000 per tax year, without paying UK tax on your profits.

    Explore our Share Dealing ISA

    Investment ISA

    Choose from our range of ready-made investments, offering low, medium or higher risk fun opportunities. Invest up to £20,000 per tax year, without paying UK tax on your profits.

    Explore our ready-made Investments

    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.

From holidays, to helping you to manage unexpected repairs at home, building a savings pot could give you more financial confidence. We offer a range of flexible accounts, with minimum deposits starting from as little as £1, and instant access to your money when you need it.

 

Account

Interest

Minimum deposit

Open

Withdrawals

Where next?

Account

Club Lloyds Advantage ISA Saver

Only available to Club Lloyds current account holders.

Interest

4.00%

AER/3.93% tax free variable monthly if you make 3 or less withdrawals.

1.30%

AER/1.29% tax free variable monthly if you make 4 or more withdrawals.

Interest is paid monthly.

Minimum deposit

£1

Open

For 1 year. Your account will then change to an Instant Cash ISA

Withdrawals

Unlimited

If you make 4 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.

Where next?

Learn more and apply for a Club Lloyds Advantage ISA Saver

Account

Interest

1.40%

AER/tax free on balances from £1 - £24,999.

1.45%

AER/tax free on balances from £25,000 - £99,999. 

1.90%

AER/tax free on balances from £100,000 or more.

An extra 0.30% AER/tax free will be added if you already have a Club Lloyds or Private Banking personal current account.

Interest is variable. Rate applies to the full balance. 

Minimum deposit

£1

Open

For 1 year. Your account will then change to an Instant Cash ISA

Withdrawals

unlimited

Where next?

Learn more and apply for a Cash ISA Saver

Account

Club Lloyds Advantage Saver

Only available to Club Lloyds current account holders.

Interest

4.00%

AER/3.93% gross variable interest if you make 3 or less withdrawals.

1.30%

AER/1.29% gross variable if you make 4 or more withdrawals.

Interest is paid monthly.

Minimum deposit

£1

Open

For 1 year. Your account will then 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 4th withdrawal until the end of the account year.

Where next?

Learn more and apply for a Club Lloyds Advantage Saver

Account

Club Lloyds Saver

Only available to Club Lloyds current account holders.

Interest

1.70%

AER/gross on balances from £1 - £24,999.

1.75%

AER/gross on balances from £25,000 - £99,999. 

2.20%

AER/gross on balances from £100,000 or more.

Interest is variable. Choose to receive interest monthly, or after a year. Rate applies to the full balance.

Minimum deposit

£1

Open

For 1 year. Your account will then change to a Standard Saver

Withdrawals

Unlimited

Where next?

Learn more and apply for a Club Lloyds Saver

Account

Easy Saver

Open up to 5 Easy saver accounts, giving you different savings pots.

Interest

1.40%

AER/gross on balances from £1 - £24,999.

1.45%

AER/gross on balances from £25,000 - £99,999. 

1.90%

AER/gross on balances from £100,000 or more.

Interest is variable and paid after a year. Rate applies to the full balance.

Minimum deposit

£1

Open

For 1 year. Your account will then change to a Standard Saver.

Withdrawals

Unlimited

Where next?

Learn more and apply for an Easy Saver

Account

Interest

3.15%

AER/3.11% gross on balances from £1 - £5,000.

1.40%

AER/1.39% gross on any excess above £5,000.

Interest is variable and paid monthly.

Minimum deposit

£1

Open

Until the child's 16th birthday. Then the account will change to an adult Easy Saver.

Withdrawals

Unlimited

Where next?

Learn more and apply for a Child Saver

Account

Smart Start

Designed for 11 to 15-year-olds, providing both a current account and savings account.

 

You need a Club Lloyds current account to open this account for your child.

Interest

3.15%

AER/3.11% gross on balances from £1 - £1,000.

1.40%

AER/1.39% gross on any excess above £1,000.

Interest applies to the savings account only. Interest is variable and is paid monthly

Minimum deposit

£1

Open

Until the child’s 18th birthday. The savings account will then change to an adult Easy Saver. The spending account will change to an adult Classic Account.

Withdrawals

Unlimited

Where next?

Learn more and apply for Smart Start

Account

Club Lloyds Monthly Saver

Only available to Club Lloyds current account holders.

Interest

6.25%

AER/gross fixed.

Interest is paid after a year.

Minimum deposit

£25-£400 a month

Open

1 year. Then your account will change to a Standard Saver.

Withdrawals

Unlimited

Where next?

Learn more and apply for a Club Lloyds Monthly Saver

Account

Interest

5.25%

AER/gross fixed.

Interest is paid after a year.

Minimum deposit

£25-£250 a month

Open

1 year. Then your account will change to a Standard Saver.

Withdrawals

Unlimited

Where next?

Learn more and apply for a Monthly Saver

Account

Standard Saver

If you have a Club Lloyds Saver, Club Lloyds Monthly Saver, Club Lloyds, Advantage Saver, Easy Saver, Monthly Saver, Fixed Bond, Online Fixed Bond or Lend a Hand Fixed Savings Account with us, it will change into this account at the end of its term.

Interest

1.40%

AER/gross on balances from £1 - £24,999.

1.45%

AER/gross on balances from £25,000 - £99,999.

1.90%

AER/gross on balances from £100,000 or more.

Interest is variable and applies to the full balance. It is paid at the same frequency as your original savings account.

Minimum deposit

£1

Open

There's no end date.

Withdrawals

Unlimited

Where next?

You can't apply direct for a Standard Saver

Account

Instant Cash ISA

If you have an adult cash ISA with us, it will change into this account at the end of its term.

Interest

1.40%

AER/tax free on balances from £1 - £24,999.

1.45%

AER/tax free on balances from £25,000 - £99,999.

1.90%

AER/tax free on balances from £100,000 or more.

Interest is variable and applies to the full balance. It is paid at the same frequency as your original ISA.

Minimum deposit

£1

Open

There's no end date.

Withdrawals

Unlimited

Where next?

You can't apply direct for an Instant Cash ISA

Tax treatment depends on individual circumstances and may change in the future.

Have you thought about investing?

If you're looking to grow your funds, our investment options could provide a higher return than saving. Explore our range of investment accounts to see if it could work for you.

 

Learn more about investing

Interest on savings

Interest rates are subject to change. You can check current interest rates online at any time.

 

Useful savings terms

  • AER should help you to understand how much interest you would earn from your savings over the course of a year. The percentage figure is also useful when comparing savings accounts.

    This accounts for compound interest. That’s interest earned on top of any interest you’ve already been paid, which forms part of your total savings balance.

    More about AER

  • This is the percentage of interest you would earn from your savings before tax. We don’t make tax deductions from any interest paid. You’re responsible for declaring and paying any tax due to HM Revenue and Customs.

  • Interest on child savings accounts and ISAs is usually exempt from tax.

    Adults may be able to earn some interest from their savings each year without paying tax, subject to your personal allowance on earnings, starting rate for savings or personal savings allowance. You also have an annual allowance for ISAs, helping you to save in a tax efficient way.

Why save with Lloyds Bank?

After 250 years helping Britain prosper, we can help your money work harder too.

Why save with Lloyds Bank?

After 250 years helping Britain prosper, we can help your money work harder too.

Options to suit you

Whether you need easy access to your money or are looking for a fixed rate for a longer term, we have options to suit you.

Easy tracking and protection

Manage your savings using Internet Banking or with the Mobile Banking app. The Financial Services Compensation scheme (FSCS) protects up to £85,000 of your money. 

A name to trust

Since 1765, we've helped Britain prosper, providing financial confidence and peace of mind for our customers of every generation.

Smart Start for children

Smart Start offers a current and savings account for children aged 11 to 15 years. They’ll gain experience of managing money, with the reassurance of oversight from you.

More about Smart Start

Understanding Base Rate changes

On 3 August 2023, the Bank of England announced an increase in the Bank of England Base Rate from 5.00% to 5.25%.

More on Base Rates

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).