Inside content area, use arrow keys or tab to access content

Save the Change®

Save the Change® makes saving so easy you’ll forget you’re doing it.

Top up your savings for yourself or a loved one.

Whether you're saving for your child, grandchild, godchild, or just putting a little away to treat yourself, make it easier with Save the Change®.

You can turn Save the Change® on and off or change your nominated savings account whenever you like through Internet Banking.

Log on to Internet Banking >

opens in a new wind

Lloyds – Save the Change® – Youtube Video

1. Spend on your Lloyds debit card

Make sure Save the Change® is turned on. You can easily control this through Internet Banking

2. We work out the change

When you're in credit, what you spend is rounded up to the nearest pound

3. The change is transferred to your savings

Save into your own eligible Lloyds savings account or nominate a family member’s

Switching on Save the Change®

You need:

Ways to turn on:


If you've registered for Internet Banking, you can turn Save the Change® on and off or change your nominated savings account whenever you like online.

  • If you’re using a desktop, log on to Internet Banking and select Save the Change® within the Savings drop-down menu at the side of the page.
  • If you’re using a mobile device, log on to Internet Banking and select the link at the bottom of the page that says, ‘Go to desktop site’. Next, select Save the Change® within the Savings drop-down menu at the side of the page.

Please note, you cannot use the mobile or tablet app to access this page.

Log on to Internet Bankingand register for Save the Change®

If you haven't already, you can register for Internet Banking.

By phone

If you prefer to speak with someone, we're here to help. You can switch on Save the Change® by calling 0345 300 0000.

In branch

Our advisers in branch can provide face to face help and will talk you through the process. Find your nearest branch.

  1. With Save the Change® set up on your Lloyds Bank current account, when you make a purchase using your Lloyds Bank VISA Debit card, we work out the amount to the next whole pound and transfer it from your current account to the Lloyds Bank savings account you have nominated.
  2. Our agreement with you is made up of general terms and conditions (contained in the Personal Banking terms and conditions leaflet) and additional terms and conditions including those below. If there is any overlap or conflict between the general and the additional terms and conditions, the additional terms and conditions apply.
  3. You need to nominate:
    a) a personal current account you hold with us, which has a Visa debit card; and
    b) an eligible savings account which you or a family member or friend hold with us.

    The Lloyds Bank savings accounts that are not eligible to receive Save the Change® transfers are currently: Lloyds Bank Monthly Saver; ISA products; Fixed Products and E-Bond.
  4. When you use your Visa debit card to make a purchase, the amount of the purchase debited to your current account will be rounded up to the next whole pound and the difference (‘the change’) will be combined with the change from your other Visa debit card purchases debited the same day. The combined change will be transferred from your current account to the nominated savings account at the start of the next working day. Whole pound purchases will not be rounded up to the next pound.
  5. We will apply Save the Change® to all Visa debit card purchases both in the UK and abroad. We will not apply Save the Change® to over-the-counter cash advances, ATM withdrawals, or fees charged for non-Lloyds Bank ATM transactions.
  6. We will not make a Save the Change® transfer if that transfer will take your current account overdrawn or further overdrawn (whether or not an overdraft has been arranged in advance). To work out whether the transfer would take you overdrawn or further overdrawn, we look at the credit balance available for you to use less the amount of card payments we have authorised but not yet taken.
  7. If you hold a joint account we will apply Save the Change® to any Visa debit cards issued to the joint account holders on that account. All joint account Save the Change® transfers must be made to the same nominated savings account. You should not register for Save the Change® unless the other joint account holders are happy for you to do so.
  8. If you nominate a family member or friend’s savings account, they will receive the change and you will not be able to give us instructions about the change once it is transferred to their account.
  9. If any Visa debit card purchases are subsequently cancelled or reversed, or you notify us of any fraudulent debit card purchases, the corresponding change will remain in the nominated savings account.
  10. Save the Change® transfers will appear on your current account and the nominated savings account statements as ‘Save the Change®’.
  11. You can cancel the Save the Change® scheme or change the nominated savings account into which your change is transferred by calling 0345 300 0000Call telephone number 0345 300 0000 at any time, or by visiting your local Lloyds Bank branch, or through Internet Banking if you are registered for this service.

Find the right account

We have a wide range of savings accounts to help you reach your goals.

Compare savings account

Financial Services Compensation Scheme