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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.
Snap up £200 when you switch to a new Club account
Switch and close your bank account held with another bank to a new Club Lloyds, Club Lloyds Silver or Club Lloyds Platinum Account using the Current Account Switching Service to automatically move your money and payments across to your new account. There will need to be a minimum of 3 Direct Debits moved across as part of your switch.
You won't be eligible if you’ve received an incentive for switching to a Lloyds Bank account, Bank of Scotland Bank account or Halifax current account since April 2020. Offer ends 10 December. Terms and conditions apply.
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Club Lloyds Account
Club Lloyds Account
Included in the £200 switching offer
For variable credit interest and great benefits, join the Club.
All of the benefits you get with the Classic Account plus;
- Choose a yearly benefit from:
- 12 months of Disney+
- 6 x cinema tickets at ODEON or Vue cinemas
- An annual Coffee Club and Gourmet Society membership
- An annual magazine subscription
- Earn interest on your money - on balances up to £5,000, when you pay out two different Direct Debits each month
- Preferential Travel money rates when purchased through Lloyds Bank
£3 monthly fee, waived each month you pay in £2,000 or more.
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Benefits are supplied by a third party provider
Youth and Student Accounts
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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.
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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.
Financial Services Compensation Scheme
Important legal information
Lloyds and Lloyds Bank are trading names of 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).
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.
Account opening is subject to our assessment of your circumstances. You must be over 18 to apply.
Overdrafts are repayable in full on demand.
Club Lloyds Lifestyle Benefits are administered by Hawk Incentives Limited, on behalf of Lloyds Bank. The benefits available for selection may be changed or updated from time to time.
Disney Plus and the Disney+ logo are registered trademarks of Disney Enterprises Inc.