Award-winning accounts, everyday rewards and powerful app features designed to help you stay in control of your money.
Switch your bank account to a new Club Lloyds, Club Lloyds Silver, Club Lloyds Platinum or Premier account using the Current Account Switch Service and get £200.
To qualify, you'll need to switch at least 3 active direct debits. Monthly account fees and eligibility criteria may apply. Offer ends 09 December 2026. Conditions and exclusions apply.
Switch todayGet rewards, cashback, benefits and more with Lloyds Rewards.
Explore Spending and ask questions to your own AI-Assistant.
A quick way to receive money to your account.
Book travel with confidence and find deals on hotels and flights.
Your credit score indicates to lenders how well you manage your finances.
MOT, tax, insurance, servicing - all your deadlines here in the Lloyds app.
Create great saving habits with automatic round-ups.
View and manage your card and PIN quickly and securely in the app.
Keep track of subscription payments and easily manage them in the app.
See where your money goes, helping you track spending patterns by category and retailer.
Filter by account type to find the one for you.
| Classic account | Club Lloyds | Lloyds Premier | |
|---|---|---|---|
| Monthly fee | £0 Free banking when you stay in credit. Other fees may apply. | £5 Refunded each month you pay in £2,000 or more. | Eligibility criteria applies. You need to pay in £5,000 each month or have £100,000 in qualifying savings or investments with us. |
| Offers | ✓ | ✓ | ✓ |
| Save the change® | ✓ | ✓ | ✓ |
| No debit card fees overseas | — | — | ✓ |
| Interest on your balance | — | Earn interest when conditions are met. | Earn interest when conditions are met. |
| Annual Lifestyle Benefit | — | ✓ | ✓ |
| Smart Start | Under 19s account | Student account | |
|---|---|---|---|
| For ages | 11 to 18 | 13 to 17 | Full-time students 17 and older |
| Free everyday banking | ✓ | ✓ | ✓ |
| Apply in our app or online | ✓ | ✓ | ✓ |
| Silver Account | Platinum Account | |
|---|---|---|
| Monthly fee | £11.50 | £22.50 |
| European and UK family travel insurance | Up to age 65 | Up to age 80 |
| Mobile phone insurance | — | ✓ |
Account opening is subject to status, UK resident.
Whether you're a new or existing customer you can open a new account or change one with the Lloyds app.
Apply for an accountNot sure which account is right for you? Video call an adviser. They can look at this page with you and guide you through it.
Already talking to an adviser? Carry on in the Lloyds app. Your adviser will stay with you.
You can apply in the app if you're both already Lloyds account holders.
Explore joint accountsSwitching your current bank account to Lloyds is hassle-free. Rely on the Current Account Switch Service to transfer your account, payments and more in just 7 working days.
More about switchingIf you've got an existing Lloyds current account, you might like to explore an upgrade. That could give you access to new benefits, without opening a second bank account.
More about upgradingDecember 2025 · Rated 4.1/5
The Financial Services Compensation Scheme (FSCS) protects up to £120,000 of the eligible money you hold with us.
More about the FSCS