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Youth and student accounts
We also offer a range of bank accounts for kids, teens, and students, all with contactless VISA debit cards and mobile banking access.
Manage your account Find out how to manage your account, from reporting a card lost or stolen to things you can do online
Upgrade now Want to upgrade your existing account? Why not take a look at the other accounts we offer
Change account Change an existing current account with us by logging in
Help and guidance Useful guides on how to use our secure Mobile Banking app and Internet Banking services
In-branch cash and deposit machines, for notes and cheques. Limits and charges will apply.
We work with LINK to carry out assessments of places which might need better cash access services.
Concerned about access to cash in your area?
LINK may have already looked at your area and made a recommendation to make things better. www.link.co.uk/our-assessments
If not, you can request an access to cash assessment in your area. www.link.co.uk/helping-you-access-cash/request-access-to-cash
Want to know how decisions are made about cash?
Find out more about LINK's process. https://www.link.co.uk/helping-you-access-cash
Switching your bank account to us is quick and easy. Just fill in our simple online form and we’ll take care of the rest. With the current account switch service it'll only take 7 working days. And we’ll close down your old account for you when it’s done.
3 months 0% interest overdraft when you switch
To help you during your switch, we may be able to arrange an interest-free arranged overdraft for 3 months, subject to application and approval. An arranged overdraft can act as a useful safety net. You can use it to borrow money up to an agreed limit through your bank account.
What happens after the 0% interest free period ends?
Once your three month interest-free period ends we will charge interest daily. The daily arranged overdraft interest rate will be based on how you manage any accounts with us and on the credit information we hold about you. We will let you know this rate in the pre contract credit information we give you if you apply for an arranged overdraft.
Representative example (based on using a Club Lloyds Account)
An arranged overdraft on a Club Lloyds account has a variable interest rate of 27.5% EAR, and a variable representative rate of 29.9% APR, based on borrowing £1,200. The APR includes monthly account fees of £3* and an interest free amount of £50.
*The £3 fee is waived for each month you pay in at least £2,000 into your account.
How does our overdraft compare?
You can use the representative APR to compare with other products or credit providers, this can help you make sure that you choose the right type of borrowing for you.
How much does my overdraft cost in pounds and pence?
As an example, the interest cost of borrowing £500 is: £2.04 for 7 days, £8.94 for 30 days and £17.98 for 60 days.
Arranged overdrafts are subject to application and approval and repayable on demand. You must be 18 or over to apply. Arranged overdraft limits and interest rates vary based on your individual circumstances.
To help you during your switch, we may be able to arrange an interest-free arranged overdraft for 3 months, subject to application and approval.
Are you eligible for the arranged overdraft offer?
To qualify for the interest-free offer you must:
Any questions on the switcher overdraft offer? Please call us.
How do you apply for an arranged overdraft?
At the end of your current account application process, we may offer you an arranged overdraft. If we do, we'll tell you the maximum amount you can have and you can add it right away. You can also apply for one later.
What happens if I am overdrawn and want to switch?
We will show you the maximum amount of arranged overdraft we can offer you before you complete your switch request form, if we are unable to offer you the full amount you will need to make arrangements with your bank to pay back the remaining amount. If you've already got a current account with us you can log onto Internet or Mobile Banking and see if there is an option to extend your arranged overdraft.
An arranged overdraft can act as a short-term safety net if you need to borrow a little extra money. Learn more about overdrafts and check your eligibility today.
Learn how to get the most out of your Lloyds Bank current account with our help and guidance pages.