Current accounts

Join the millions of customers already enjoying their Lloyds Bank current account.

Download our app and apply

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Current accounts

Join the millions of customers already enjoying their Lloyds Bank current account.

Download our app and apply

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Choose from our range of current accounts

Our products

Benefits supplied by selected third-party providers. Limits, terms & exclusions apply.

Open an account today

Take out a new account or change an existing one. Make sure to read the account conditions before you apply.

Apply offline and joint accounts expandable section

Do you want to apply offline?

You can also apply for this account by booking an appointment at your nearest branch.

Do you want a joint account?

Joint bank accounts are an easy way to help two people manage money. See joint accounts.

Find our where you can withdraw or deposit cash (notes or coins) near you expandable section
In-branch cash and deposit machines, for notes and cheques. Limits and charges will apply.
- Withdraw cash, notes only, from any LINK ATM. Most don't charge a fee.
- Withdraw or deposit coins and notes at Post Offices or Banking Hubs. Limits and charges will apply.
- Get cashback in selected participating shops. You don't have to buy anything and can withdraw 1p to £50.
- You can find out about your options on LINK's Cash Locator.
- Some locations charge a fee to make a withdrawal or deposit. If they do, it'll be clearly signposted in-store and on the machine. You'll be able to cancel the transaction if you don't want to pay the charge.
Access to Cash Assessments expandable section

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

More on switching

Information on our overdraft offer when you switch expandable section

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.
Find out more about overdrafts and switching expandable section
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:

Use the Current Account Switch Service. This service means your old account will be closed and all your payments transferred to your new Lloyds Bank account

Have not used the offer within the last 12 months

Have applied, and been approved for an arranged overdraft on your new Lloyds Bank account

Any questions on the switcher overdraft offer? Just call us on 08456 049 956

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.
£200 Switching offer Terms and Conditions expandable section
To qualify for the £200 switching offer (“the offer”) you must switch to a new Club Lloyds Account, Club Lloyds Platinum Account or Club Lloyds Silver Account using the ‘Current Account Switch Service’ to switch from a bank account held with another bank. The following conditions apply:
- Use the ‘Current Account Switch Service’ to transfer all the active credits and debits from the bank account that you hold with another bank to a new Club Lloyds Account (a £3 monthly fee may apply), a new Club Lloyds Platinum Account (£22.50 monthly fee applies, plus £3 monthly Club Lloyds fee may apply) or a new Club Lloyds Silver Account (£11.50 monthly fee applies, plus £3 Club Lloyds fee may apply) (‘Qualifying Account’). The ‘Current Account Switch Service’ will close your old account with the other bank; and
- Your switch must include the transfer of a minimum of 3 active direct debits from your old account being switched to Lloyd’s as part of the offer. Direct debits set up after your switch has been started and other types of automated payments, such as standing orders and recurring card payments, won’t count towards the offer; and
- Start your switch from your old bank account using the ‘Current Account Switch Service’ to a Club Lloyds Account, Club Lloyds Platinum Account or Club Lloyds Silver Account between 2nd October 2024 and 10th December 2024.
You can’t take part in the offer if:
- You switch to any account other than a Club Lloyds Account, Club Lloyds Platinum Account, or Club Lloyds Silver Account.
- You switch to any existing Lloyds bank account, or you change your existing Lloyds Bank Current Account to a Club Lloyds Account, Club Lloyds Silver or Club Lloyds Platinum Account.
- You’ve received a switching offer since April 2020 for switching to any Lloyds, Bank of Scotland or Halifax Bank account.
- You are switching to a joint account and one of the parties to the joint account has already received a switching offer since April 2020.
- The bank you are switching from does not participate in the ‘Current Account Switch Service’. To find out more visit www.currentaccountswitch.co.uk
- You are an employee of Lloyds Banking Group, or if an employee is on any bank account held in joint names.
- The offer applies to applications received in branch, online or by phone from 2nd October 2024 and 10th December 2024. The offer is subject to change and can be withdrawn without notice at any time.
- The offer does not automatically guarantee an arranged overdraft and any application for an arranged overdraft facility will be subject to status. If your Qualifying Account has an arranged overdraft, you won’t pay any daily arranged overdraft interest for 3 months provided you stay within your arranged overdraft limit and do not increase or otherwise change the arranged overdraft limit agreed.
- After 3 months, or if you change your account, you’ll be charged daily arranged overdraft interest applicable to the account you hold if you use your arranged overdraft. Please see the Personal Banking Terms and Conditions and Banking Charges leaflet for full details on arranged overdraft interest. You’ll have been given this when you opened your account, but if you would like another one, please ask in branch or look at www.lloydsbank.com/current-accounts/all-accounts
- Only one offer is available per customer. Joint accounts will only be paid one payment.
- The offer will be paid directly into your account within three working days of your switch completing and will appear as a cash credit.
Frequently asked questions on the £200 to switch offer expandable section

When will I receive the £200?

The offer will be paid directly into your account within 10 working days of you starting your switch and will appear as a cash credit

As an existing Lloyds customer can I qualify for the £200 offer?

Yes, as long as you open a new qualifying account named in the terms and conditions and you haven’t received a switching incentive from us, Bank of Scotland or Halifax since April 2020. You must complete your switch using the Current Account Switch Service to switch a bank account held elsewhere with at least 3 active direct debits.

Can I change my existing account to one of the qualifying accounts and still receive the offer?

No, you must open a new qualifying account and start the switch. You can do this by signing in to Internet Banking or using the Mobile Banking app

To qualify for the offer do I need to complete the switch at the time of opening my new bank account?

No, as long as you start your switch by the 10th December 2024, you can complete your switch through Internet Banking or on our mobile app

What types of payments qualify as direct debits?

Your switch must include the transfer of a minimum of 3 active direct debits from your old account. Direct debits set up after you’ve started your switch as well as automated payments, such as standing orders and recurring card payments won’t count towards the offer.

Can I switch a joint account?

Yes, to open a joint account online both parties must log-in to our Mobile Banking App or Internet banking, otherwise you can open an account in one person’s name and book an appointment with your local branch to add the 2nd person. If one of the parties has already received a switching offer since April 2020 from Lloyds, Halifax or Bank of Scotland, you won’t be eligible to receive the offer.

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Protecting your money

The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS

Protecting your money

The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS