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All Our Current Accounts
Whether you are looking for an account with benefits or need a basic account for day-to-day spending, we have a range of current accounts to suit your needs.
Ready to apply?
Snap up £175 when you switch
To qualify, you’ll need to follow these simple steps;
- Open a new Club Lloyds, Club Lloyds Silver, or Club Lloyds Platinum account
- Switch 3 or more active direct debits using the Current Account Switching Service
If you received a switching offer since April 2020 for switching to any Lloyds, Bank of Scotland or Halifax Bank account, you won't be eligible again.
Offer ends 01 April 2025. Terms and conditions apply.
Choose from our range of current accounts
Our products
From 2 June 2025, we're increasing the Club Lloyds monthly fee to £5 per month. We'll continue to waive this for each month you pay in £2,000 or more.
Classic
Not included in switch offer
£0 monthly fee
- Get up to 15% cashback with Everyday Offers from selected retailers*
- Access to all of the great app features
- Option to apply for an arranged Overdraft**
*Retailer offers and cashback amounts vary.
**All overdrafts are subject to our assessment of your circumstances, and are repayable on demand.
Club Lloyds
- Included in the £175 switch offer
£3 monthly fee
Refunded each month you pay in £2,000 or more
All the benefits of Classic, plus
- Choose a Lifestyle Benefit each year
- Earn interest on balances up to £5,000 when you pay out 2 Direct Debits per month
- Get exclusive offers on savers and mortgages
Club Lloyds Silver
- Included in the £175 switch offer
£11.50 per month
+£3 Club Lloyds monthly fee which is refunded each month you pay in £2,000 or more
All the benefits of Club Lloyds, plus
- European and UK family travel insurance - up to age 65
- AA Breakdown Family Cover with Roadside Assistance
- Mobile phone insurance
- No debit card fees from us at home or abroad
Club Lloyds Platinum
- Included in the £175 switch offer
£22.50 per month
+£3 Club Lloyds monthly fee which is refunded each month you pay in £2,000 or more
All the benefits of Club Lloyds, plus
- Worldwide family travel insurance up to age 80
- AA Breakdown Family Cover with Roadside Assistance, At Home and National Recovery
- Mobile phone insurance
- No debit card fees from us at home or abroad
Silver
Not included in switch offer
£11.50 per month
All the benefits of Classic, plus
- European and UK family travel insurance - up to age 65
- AA Breakdown Family Cover with Roadside Assistance
- Mobile phone insurance
- No debit card fees from us at home or abroad
Platinum
Not included in switch offer
£22.50 per month
All the benefits of Classic, plus
- Worldwide family travel insurance - up to age 80
- AA Breakdown Family Cover with Roadside Assistance, At Home and National Recovery
- Mobile phone insurance
- No debit card fees from us at home or abroad
Basic Account
Not included in switch offer
£0 monthly fee
Get up to 15% cashback with Everyday Offers from selected retailers
Access to all the great mobile app features
You cannot apply directly for a Basic Account.
You will need to start the application process for a current account with us, and we will try to obtain information about your credit history. We may offer you the Basic Account if you’re bankrupt, in financial difficulty, or if we’re not able to obtain information about your credit history.
Benefits supplied by selected third-party providers. Limits, terms & exclusions apply.
Our Youth and Student accounts
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To qualify for the £175 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 18 February 2025 and 01 April 2025.
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 the Current Account Switch Service website.
- 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 18 February 2025 and 01 April 2025. 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 our current accounts page.
- 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.
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When will I receive the £175 offer?
We’ll pay it into your account within 10 working days of the switch and will appear as a cash credit.
As an existing Lloyds customer, do I qualify for the £175 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.
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 01 April 2025, you can complete your switch through online Banking or on our mobile app.
As part of your application you will be asked if you want to switch before you choose your new account, so have your existing account details to hand.
What’s a direct debit?
It’s a way to pay bills automatically from your current account. You give a business permission to collect money from your account when a payment is due. Direct debit amounts can vary, but the business has to tell you if the amount is changing. Direct debits are covered by the direct debit guarantee.
What is an Active direct debit?
An active direct debit is one that has been paid to the originator in the last 13 months. This can be any frequency of payment: weekly, monthly, quarterly or annual. If the direct debit has been recently set up and the first payment has not been taken this is not an active direct debit.
What types of payments qualify as direct debits?
Your switch must include the transfer of at least 3 active direct debits from your old account. Direct debits set up after you’ve started your switch won’t count towards the offer. Standing orders and subscriptions are also excluded.
Can I switch a joint account?
Yes. To open a joint account online, both parties must log in to the Mobile Banking App or online banking. Otherwise you can open an account in one person’s name and book an appointment with your local branch to add the other person. If either person has already received a switching offer since April 2020 from Lloyds, Halifax or Bank of Scotland, you won’t be eligible for the offer.
Financial Services Compensation Scheme
Important legal information
We may monitor or record telephone calls to check out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.