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Savings accounts and cash ISAs
Browse our latest savings account offers, including options helping you to make the most of your annual ISA allowance.
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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
3.60%
AER/tax-free fixed.Choose to receive interest monthly or after each year.
Minimum deposit
£500
Open
For 1 year. Your account will then change to an Instant Cash ISA.
Withdrawals
Charges apply
Account name
Interest rate
3.50%
AER/tax-free fixed.
Choose to receive interest monthly, or after each year.
Minimum deposit
£500
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 for customers who have a Club Lloyds or Lloyds Premier current account.
Interest rate
3.25%
AER/3.20% tax-free variable monthly if you make 3 or less withdrawals.
0.95%
AER/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.
Account name
Interest rate
1.05%
AER/tax-free on balances from £1 - £24,999.
1.15%
AER/tax-free on balances from £25,000 - £99,999.
1.20%
AER/tax-free on balances from £100,000 or more.
An extra 0.20% AER/tax-free will be added if you already have a Club Lloyds, Lloyds Premier 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
Account name
Interest rate
2.85%
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
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
1.05%
AER/tax-free on balances from £1 - £24,999.
1.15%
AER/tax-free on balances from £25,000 - £99,999.
1.20%
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 can't apply direct for an Instant Cash ISA
Tax treatment depends on individual circumstances and may change in the future.
Interest rates are subject to change. You can check current interest rates online at any time.
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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
3.60%
AER/tax-free fixed.Choose to receive interest monthly, or after each year.
Minimum deposit
£500
Open
For 1 year. Your account will then change to an Instant Cash ISA.
Withdrawals
Charges apply
Where next?
Account
Interest rate
3.50%
AER/tax-free fixed.
Choose to receive interest monthly, or after each year.
Minimum deposit
£500
Open
For 2 years. Your account will then change to an Instant Cash ISA.
Withdrawals
Charges apply
Where next?
Account
Interest rate
3.60%
AER/gross fixed for a 1-year term.
Plus, an extra 0.20% AER/gross if you have a Lloyds Premier personal current account that's been open for at least 40 days.
3.50%
AER/gross fixed for a 2-year term.
Interest is paid after each year.
Minimum deposit
£500
Open
For 1 or 2 years. Your account will then change to a Standard Saver.
Withdrawals
By account closure only. Charges apply
Where next?
Account
Lend a Hand Fixed Savings Account
This account is for those who want to help a family member buy their first home through the Lend a Hand Mortgage Scheme.
Only available if either you or the mortgage applicant have a Club Lloyds or Lloyds Premier current account.
Interest rate
3.50%
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?
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
1.10%
AER/gross on balances from £1 - £24,999.
1.20%
AER/gross on balances from £25,000 - £99,999.
1.35%
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
1.05%
AER/tax-free on balances from £1 - £24,999.
1.15%
AER/tax-free on balances from £25,000 - £99,999.
1.20%
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.
Interest rates are subject to change. You can check current interest rates online at any time.
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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 for customers who have a Club Lloyds or Lloyds Premier current account.
Interest rate
3.25%
AER/3.20% gross variable interest if you make 3 or less withdrawals.
0.95%
AER/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?
Account
Club Lloyds Advantage ISA Saver
Only for customers who have a Club Lloyds or Lloyds Premier current account.
Interest rate
3.25%
AER/3.20% tax-free variable monthly if you make 3 or less withdrawals.
0.95%
AER/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?
Account
Interest rate
1.25%
AER/gross on balances from £1 - £24,999.
1.35%
AER/gross on balances from £25,000 - £99,999.
1.40%
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?
Account
Club Lloyds Monthly Saver
Only for customers who have a Club Lloyds or Lloyds Premier current account.
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?
Account
Interest rate
1.05%
AER/tax-free on balances from £1 - £24,999.
1.15%
AER/tax-free on balances from £25,000 - £99,999.
1.20%
AER/tax-free on balances of £100,000 or more.
An extra 0.20% AER/tax-free will be added if you already have a Club Lloyds, Lloyds Premier 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?
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
1.10%
AER/gross on balances from £1 - £24,999.
1.20%
AER/gross on balances from £25,000 - £99,999.
1.35%
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
1.05%
AER/tax-free on balances from £1 - £24,999.
1.15%
AER/tax-free on balances from £25,000 - £99,999.
1.20%
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.
Interest rates are subject to change. You can check current interest rates online at any time.
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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
Designed for 11-15 year olds, providing a current account and savings account.
To open this account the parent or guardian must have one of our current accounts and be registered for online banking.
Interest rate
2.75%
AER/2.72% gross on balances from £1 - £1,000.
1.05%
AER/1.04% 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?
Account
Interest rate
2.85%
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?
Account
Interest rate
2.75%
AER/2.72% gross on balances from £1 - £5,000.
1.05%
AER/1.04% 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?
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
1.10%
AER/gross on balances from £1 - £24,999.
1.20%
AER/gross on balances from £25,000 - £99,999.
1.35%
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.
Interest rates are subject to change. You can check current interest rates online at any time.
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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:
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 SaverOnly for customers who have a Club Lloyds or Lloyds Premier current account. |
Interest 3.25% AER/3.20% tax-free variable monthly if you make 3 or less withdrawals. 0.95% AER/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? |
|
Account |
Interest 1.05% AER/tax-free on balances from £1 - £24,999. 1.15% AER/tax-free on balances from £25,000 - £99,999. 1.20% AER/tax-free on balances from £100,000 or more. An extra 0.20% AER/tax-free will be added if you already have a Club Lloyds, Lloyds Premier 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? |
|
Account Club Lloyds Advantage SaverOnly for customers who have a Club Lloyds or Lloyds Premier current account. |
Interest 3.25% AER/3.20% gross variable interest if you make 3 or less withdrawals. 0.95% AER/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? |
|
Account Club Lloyds SaverOnly for customers who have a Club Lloyds or Lloyds Premier current account. |
Interest 1.25% AER/gross on balances from £1 - £24,999. 1.35% AER/gross on balances from £25,000 - £99,999. 1.40% 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? |
|
Account Easy SaverOpen up to 5 Easy saver accounts, giving you different savings pots. |
Interest 1.05% AER/gross on balances from £1 - £24,999. 1.15% AER/gross on balances from £25,000 - £99,999. 1.20% 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? |
|
Account |
Interest 2.75% AER/2.72% gross on balances from £1 - £5,000. 1.05% AER/1.04% 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? |
|
Account Smart StartDesigned for 11 to 15-year-olds, providing both a current account and savings account. To open this account the parent or guardian must have one of our current accounts and be registered for online banking. |
Interest 2.75% AER/2.72% gross on balances from £1 - £1,000. 1.05% AER/1.04% 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? |
|
Account Club Lloyds Monthly SaverOnly for customers who have a Club Lloyds or Lloyds Premier current account. |
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? |
|
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? |
|
Account Standard SaverIf 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 1.10% AER/gross on balances from £1 - £24,999. 1.20% AER/gross on balances from £25,000 - £99,999. 1.35% 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 ISAIf you have an adult cash ISA with us, it will change into this account at the end of its term. |
Interest 1.05% AER/tax-free on balances from £1 - £24,999. 1.15% AER/tax-free on balances from £25,000 - £99,999. 1.20% 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 a Instant Cash ISA |
Tax treatment depends on individual circumstances and may change in the future.
Interest rates are subject to change. You can check current interest rates online at any time.
Explore your savings account options
Useful savings terms
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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.
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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.
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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.
Explore your options
We want to make sure you know about our other account options. Here are some that might suit you.
Why choose Lloyds?
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