• Contactless payments - tap and pay with a Visa Debit Card up to £100. You can now use our mobile banking app to choose a contactless payment limit between £30 & £95. You can also add your card to Apple Pay and Google Pay.
    • Check your Credit Score - no impact on your credit file.
    • Securely view your debit card PIN and card details in the app - to allow you to complete a transaction in-person or online.
    • Manage subscriptions - view, cancel and block regular subscription payments in the mobile banking app.
    • Cheque scanning -  pay in cheques of up to £1000 in to your account by simply taking a photo of your cheque and uploading to the app. There is a maximum daily limit of £2,000 per day.
    • 24/7 mobile and internet banking - you can also visit us in branch or contact through telephone banking.
    • Mobile alerts - you’ll get alerts straight to your phone so you can stay up to date on your finances.

Features and benefits

  • Monthly credit interest

    What is the credit interest rate on this account?

    Balances between


    Gross p.a.

    £1 - £3,999.99



    £4,000 - £5,000



    You could earn 0.60% AER (0.60% gross p.a.) variable credit interest on balances between £1 and £3,999.99, and 1.50% AER (1.49% gross p.a.) variable on any part of the balance from £4,000 up to and including £5,000. You won’t earn interest on any part of your balance over £5,000.

    You just need to pay out two different Direct Debits from your Club Lloyds account each calendar month. Interest is variable, worked out daily and paid monthly.

    For example, when you have £4,500 in your account, you could earn interest of 0.60% AER (0.60% gross p.a.) variable on the first £3,999.99 and 1.50% AER (1.49% gross p.a.) variable on the rest.

    Please note interest paid before 6th April 2016 will have been paid net (unless you registered the account with us to receive gross interest). Net is the rate of interest payable after allowing for the deduction of income tax at the rate specified by law (currently 20%).

    From 6th April 2016 interest is paid Gross, meaning we will not deduct tax on your behalf. Dependant on your personal circumstances, tax may be due on your interest and it is your responsibility to disclose and pay any tax due directly to HMRC.

    What do I have to do to earn the credit interest?

    You need to pay at least two separate Direct Debits from your Club Lloyds current account each calendar month.

    Please note, qualifying Direct Debits must come out monthly, quarterly Direct Debits are not eligible. Also Standing Orders do not qualify.

    Can I earn credit interest on balances over £5,000?

    No, credit interest is not payable on the amount of any balance over £5,000.

    When is the credit interest paid?

    If you earn the credit interest, it will be paid into your Club Lloyds current account by the second working day of the following calendar month.

    If you do not earn the credit interest, you won't receive payment the following calendar month.

    If I miss out on the credit interest one month, can I earn it the next month?

    Yes, if in any month you miss out on the credit interest, you can still earn it in future months. Just make sure you pay out two separate Direct Debits in the next calendar month.

    Do I have to pay out two separate Direct Debits each month?

    No, there is no requirement on this account to pay out two separate Direct Debits each month. You only have to pay out two separate Direct Debits each month if you want to earn the credit interest on balances between £1 - £5,000.

  • Lifestyle benefit

    As a Club Lloyds customer you can choose a different Lifestyle Benefit every year per account

    Digital movie rentals

    Enjoy a monthly movie rental from Rakuten TV. Choose from over 4,000 movies, including top new releases and family-favourites to watch online, on your smart TV or any other Rakuten TV compatible device.

    Dining offers

    An annual Gourmet Society Plus digital membership gives you 25% off your total bill at thousands of restaurants including national chains and local favourites; as well as up to 25% off on takeaway collections & deliveries and great discounts on theatre tickets, hotels and UK attractions.

    Cinema Tickets

    You could enjoy 6 Vue or ODEON cinema tickets, valid at over 80 cinemas across the UK. Tickets can be used for standard 2D or 3D admission tickets and can also be used as part payment on certain ticket upgrades. Tickets are valid for 12 months.

    At Vue cinemas, your vouchers also entitle you to half price popcorn. At ODEON cinemas, you can now redeem your vouchers at ODEON Kids Screenings, which come with a free small popcorn per ticket

    Magazine subscription

    Choose one magazine to have delivered to your door, downloadable to your device (compatible with Apple and Android devices), or both with a print + digital subscription for selected titles.

    Apple is a registered trademark of Apple inc. registered in the U.S and other countries. Android is a trademark of Google Inc.

    More information

    Find out more about Club Lloyds
  • Cashback with Everyday Offers

    With Everyday Offers you can get up to 15% cashback on your credit/debit card purchases or when you pay by Direct Debit, based on the places you usually shop or may like to try, such as clothing stores, DIY outlets and restaurants. Once registered, you can activate your offers through Internet Banking or our Mobile Banking app.

    Everyday Offers
  • Banking offers

    As a Club Lloyds customer you'll get exclusive access to offers on a range of Lloyds Bank products

    Travel money

    With a Club Lloyds account you get access to preferential exchange rates when ordering travel money with Lloyds Bank.

    Ordering travel money online is simple and secure. If you order by 1pm your money will be sent to your home or local branch the next working day.

    Existing Club Lloyds customer? 

    Login to order travel money

    New to Club Lloyds? Find out more about travel money

    Children’s account: Smart Start

    With Smart Start, the child gets a savings account and a current account. Ideal for 11 to 15 year olds who want their first account with parental oversight.

    • The child gets their own contactless Visa debit card.
    • Parent or legal guardian has oversight of account activity.
    • Interest is earned on savings account only. Earn 1.00% AER/gross variable interest on balances of £1 to £1,000. Earn 0.40% AER/gross variable interest on any money above £1,000.

    More about Smart Start

    Savings: Club Lloyds Monthly Saver

    This savings account is for people who want to save regularly for 12 months and get a fixed rate of interest.

    • Save from £25 to £400 a month.
    • Receive 5.25% gross/AER interest on your savings. Interest is fixed so it won’t change during the term.
    • Withdraw your money when you need it without charge.

    More about the Club Lloyds Monthly Saver

    Savings: Club Lloyds Saver

    This savings account is for people who want to save as often as they like and have instant access to their money.

    • Open with just £1.
    • Receive variable interest on your savings. Interest is 0.70% gross/AER on balances of £25,000 or more, and 0.40% gross/AER on balances below £25,000.
    • Withdraw money when you like without charge.

    More about Club Lloyds mortgage offers


    You could get £250 cashback when you take out a mortgage with us.

    Offer applies to first time buyers, customers who are switching their mortgage to us or moving home.

    Already have a Lloyds Bank mortgage? You could get an exclusive 0.20% discount off your initial fixed rate when you switch to a new mortgage deal. 

    You must have a Club Lloyds current account open at the time of mortgage application.

    More about Club Lloyds mortgage offers


Monthly fee

How does the £3 monthly fee work?

To waive the £3 fee for maintaining the account, you'll need to pay at least £1,500 into your Club Lloyds account in the calendar month for the following month's fee to be waived. Each month you pay in at least £1,500 you'll not be charged the fee for maintaining the account.

What deposits qualifies towards the £1,500?

All deposits including cash, cheques, Bacs, Faster Payments and instant transfers in. This includes salaries, pensions and benefits paid in via these methods. Money refunded into your account is not counted as a deposit.

Do I need to pay the £1,500 in one deposit?

No, we take the total of all deposits you made in the calendar month. For example, you could pay in £500 in three separate deposits totalling £1,500 for the month.

Do I need to keep the money in the account?

No, as long as the money is registered into your account, it'll count towards the £1,500 requirement to waive the fee. Any money paid in can be used as normal to pay bills, spend or transferred into another account.

Apply for, or upgrade to a Club Lloyds account today

To apply for this account, you need to be:

  • aged 18 or older
  • someone who lives in the UK

If you are not an existing Lloyds Bank customer you will need to provide proof of identity

New customer?

New customer?

Apply online and we should be able to give you a decision within 10 minutes.

Apply nowfor a Classic Account.

Existing customer?

Existing customer?

Open a new current account or change your account through Internet Banking.

Log on to apply

You can also apply for this account by calling us on 0800 015 4000 (Line are open 9am – 6pm Monday – Saturday) or by booking an appointment at your nearest branch. You can book by calling us on 0345 300 0000 (+44 1733 347 007 from outside the UK). Lines are open CF[lbg_0345-300-0000---opening-hours---1_31088], CF[lbg_0345-300-0000---days-of-the-week_13628].

Is this the right account for you?

  • Save the Change®

    Save the Change® can make saving easy. When you buy something with your Lloyds Bank Visa debit card (and your account is in credit), the amount can be rounded up to the nearest pound. The difference is transferred to an eligible Lloyds Bank savings account.

    Save the Change® is a registered trademark of Lloyds Bank plc.

    Money Manager

    Keep track of your spending and see at a glance where your money goes with our free Internet Banking service.

    Money Manager is provided to help you manage your personal finances and is not intended to provide legal, tax or financial advice. Terms and conditions apply.

    Send money outside the UK

    Use your current account to send money outside the UK or in a foreign currency.


    All the ways to do everyday banking. And how we make it simple.

  • A joint account is a simple way for two people to share the same bank account. It gives both of you the same ownership rights to the account.

    • Choose whether to open a new account or add someone on to your current account.
    • Each person will get their own debit card and can request a cheque book.
    • Each person can use the account without the need of approval from the other. This includes writing cheques, using cash machines and applying for an overdraft.

    Applying for a Joint Account

    You have two options when you are looking to apply to open a joint account:

    • One of you can get the process started by opening an account online. You will then need to book an appointment in branch and both attend to make this a joint account.
    • Both of you can open your joint account from start to finish at one of our branches.

    For either option, we recommend booking an appointment at your local branch. You can also book by calling us on 0345 300 0000 (+44 1733 347 007 from outside the UK). Lines are open CF[lbg_0345-300-0000---opening-hours---1_10970], CF[lbg_0345-300-0000---days-of-the-week_8145].

    If you already bank with us please bring your bank card or another form of identification with you. If neither of you are an existing Lloyds Bank current account holder, you’ll need to bring proof of identity.

    For further information please visit our joint account page.

  • Switch your current account to us in just 7 working days, using our stress-free process

    Whether you want to move to Lloyds Bank or you already bank with us and want to open a new Lloyds current account, switching is easy. Our team will do everything to ensure your switch runs smoothly, including transferring all your Direct Debits and standing orders to your new account for you.

    You'll be able to switch your account to us at the end of your online application.

    Here's how the process works

    • Working day 1
      The switching begins
      We make contact with your old bank to arrange the switch.
    • Working day 2
      We’ll let you know your old bank has received your request. We then start transferring your payments to your new Lloyds Bank account.
    • Working day 3-5
      It’ll take a couple of days to switch over your payment arrangements, and make sure your Lloyds Bank account is ready to go for the switch date.
    • Working day 6
      If you’re clearing a debit balance at your old account, you’ll need to make sure there are enough funds in your Lloyds Bank account to cover the transfer.
    • Working day 7
      Congratulations, your switch is complete. Your balance is transferred and your old account is closed.
    • After you switch
      We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.

    switch guarantee

    Current Account Switch Guarantee

    We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

    The service is free to use and you can choose and agree your switch date with us.

    We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).

    If you have money in your old account, we will transfer it to your new account on your switch date.

    We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.

    If there are any issues in making the switch, we will contact you before your switch date.

    If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

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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).