SAVINGS ACCOUNTS
Find the right savings account to help you get where you want to go. As an alternative to savings, we have included some investment options that you may also like to consider.
View our range of savings accounts
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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
0.01%
tax free/0.01% AER variable for 1 year.
If you have a Club Lloyds current account, you can get an exclusive rate (PDF, 128KB).
Interest is paid twice per year.
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
0.05%
gross/AER variable on balances of £25,000 or more.
0.01%
gross/AER variable on balances below £25,000.
Choose to have interest paid after a year or each month.
Minimum deposit
£1
How long the account stays open
1 year. Then your account will change to a Standard Saver.
Withdrawals
Instant
Account name
Interest
0.01%
gross/AER variable for 1 year.
Interest is paid after a year.
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
1.00%
AER/1.00% gross on balances from £1 - £5,000.
0.01%
AER/0.01% 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
1.00% AER/gross on balances from £1 - £1,000.
0.01% 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
Account name
Interest
1.00%
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
Account name
Interest
0.75%
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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Our cash ISAs help you to earn tax-free interest. Choose between instant access and fixed terms accounts, depending on how long you want to save for.
Account name
Interest
Minimum deposit
How long the account stays open
Withdrawals
Account name
Interest
0.01%
tax free/0.01% AER variable for 1 year.
If you have a Club Lloyds current account, you can get an exclusive rate (PDF, 128KB).
Interest is paid twice per year.
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
0.20%
tax free/AER fixed.
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
1.50%
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
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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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
0.20%
tax free/AER fixed.
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
0.20%
gross/AER fixed for 2 years.
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
0.20%
gross/AER fixed for 2 years.
Interest is paid after each year.
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
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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Our children’s savings accounts are a great way to start putting money away for the 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
Junior Cash ISA
For under 18s who want to save for the future.
Interest
1.50%
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
1.00%
AER/1.00% gross on balances from £1 - £5,000.
0.01%
AER/0.01% 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
Smart Start
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
1.00% AER/gross on balances from £1 - £1,000.
0.01% 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
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 and 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 in an instant access savings account so you can 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.
Are you new to savings or already an expert? No matter how much experience you have, with our range of savings accounts you could reach your goals.
|
Account name |
Interest |
Minimum deposit |
How long the account stays open |
Withdrawals |
|
|---|---|---|---|---|---|
Account name |
Interest 0.01% tax free/0.01% AER variable for 1 year.
If you have a Club Lloyds current account, you can get an exclusive rate (PDF, 128KB).
Interest is paid twice per year. |
Minimum deposit£1 |
How long the account stays open1 year. Then your account will change to an Instant Cash ISA. |
WithdrawalsInstant |
|
Account name |
Interest 0.05% gross/AER variable on balances of £25,000 or more. 0.01% gross/AER variable on balances below £25,000. Choose to have interest paid after a year or each month. |
Minimum deposit£1 |
How long the account stays open1 year. Then your account will change to a Standard Saver. |
WithdrawalsInstant |
|
Account name |
Interest 0.20% tax free/AER fixed. 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 |
Interest 1.50% tax free/AER 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 |
|
Account name |
Interest 0.01% gross/AER variable for 1 year. Interest is paid after a year. |
Minimum deposit£1 |
How long the account stays open1 year. Then your account will change to a Standard Saver. |
WithdrawalsInstant |
You can have up to five Easy Saver accounts. You can name each one to help you save for different things. |
Account name |
Interest 0.20% gross/AER fixed for 2 years. Choose to have interest paid after each year or each month. |
Minimum deposit£2,000 |
How long the account stays open2 years. Then your account will change to a Standard Saver. |
WithdrawalsNone, by closure only. Charges apply |
|
Account name |
Interest 0.20% gross/AER fixed for 2 years. Interest is paid after each year. |
Minimum deposit£2,000 |
How long the account stays open2 years. Then your account will change to a Standard Saver. |
WithdrawalsNone, by closure only. Charges apply |
|
Account name |
Interest 1.00% AER/1.00% gross on balances from £1 - £5,000. 0.01% AER/0.01% 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 openUntil the child's 16th birthday. Then the account will change to an adult Easy Saver. |
WithdrawalsUnlimited |
|
Account name |
Interest 1.00% AER/gross on balances from £1 - £1,000. 0.01% 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 openAfter 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. |
WithdrawalsUnlimited |
|
Account name |
Interest 1.00% gross/AER fixed. Interest is paid after a year. |
Minimum deposit£25-£400 a month |
How long the account stays open1 year. Then your account will change to a Standard Saver. |
WithdrawalsInstant |
|
Account name |
Interest 0.75% gross/AER fixed. Interest is paid after a year. |
Minimum deposit£25-£250 a month |
How long the account stays open1 year. Then your account will change to a Standard Saver. |
WithdrawalsInstant |
|
Account name |
Interest 1.65% gross/AER fixed. Interest is paid after each year. |
Minimum deposit10% of the purchase price of the property |
How long the account stays open3 years. Then your account will change to a Standard Saver. See Standard Saver interest rates (PDF, 931KB). |
WithdrawalsNo withdrawals or early closure. You cannot access your money whilst it is being held as security against the Lend a Hand Mortgage. |
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).