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LLOYDS BANK PACKAGED BANK ACCOUNT
Gold Account
This account is no longer available for new customers. The monthly fee for existing Gold Account customers is £16.95.
If you’re a Gold account customer, please read our FAQs (PDF, 145KB) for more information about the travel insurance which comes with your account and COVID-19. You can also visit our transaction disputes page, for help if your travel has been disrupted.
Important information
Cover for any medical conditions under this policy: you may need to declare these, agree cover with Allianz Assistance and an additional premium may apply. If this affects you contact Allianz Assistance directly to find out more.
You might want to visit the MoneyHelper service, which lists firms offering travel insurance for customers with medical conditions. This could help if you’ve been offered cover with a high premium, been refused, or have had cover cancelled due to medical conditions. Think about what might suit your needs best and who you need specialist cover for. For more information access the directory.
Arranged overdraft
An arranged overdraft can act as a short term safety net. You can use it to borrow money up to an agreed limit through your bank account.
- You can apply to add an arranged overdraft to your account and you’ll only pay daily arranged overdraft interest if you use it.
- If you use your arranged overdraft but pay it back before the end of the day, then you won’t pay any arranged overdraft interest for that day.
Helpful tools - You can use our eligibility checker and cost calculator to check your eligibility and calculate the cost of an arranged overdraft.
Applying for an arranged overdraft - When you have applied for this account, at the end of the application you can apply for an arranged overdraft which you can add right away. You can also apply for one later.
Amending an arranged overdraft - You can reduce or remove your arranged overdraft at any time through Mobile Banking, Internet Banking or Telephone Banking or by visiting your branch. But you must repay anything you owe if you want to remove an arranged overdraft or anything over the new reduced limit you want. You can also apply to increase it. This application won't affect your credit score.
If you don't have enough money in your account or available arranged overdraft to make a payment, we may either let you borrow through an unarranged overdraft or refuse to make the payment. Missing payments and using an unarranged overdraft can damage your credit score, please get in touch with us as we may be able to help you.
Applying for this product does not improve your eligibility for an arranged overdraft.
All overdrafts are subject to application and repayable on demand. You must be 18 or over to apply.
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Arranged overdraft details
- £50 interest free amount
- 39.9% EAR (variable) representative
- Your interest rate will be based on how you manage any accounts you have with us and on the credit information we hold about you
- No unarranged overdraft interest, fees or charges
Do you already have a current account with us and need an arranged overdraft?
If you already have a current account with us, you can apply for an arranged overdraft through Internet Banking or Mobile Banking. You can also apply to increase your existing arranged overdraft limit too.
Log on to apply for an arranged overdraft
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Worldwide travel insurance
Important information
Cover for any medical conditions under this policy: you may need to declare these, agree cover with Allianz Assistance and an additional premium may apply. If this affects you contact Allianz Assistance directly to find out more.
You might want to visit the MoneyHelper service, which lists firms offering travel insurance for customers with medical conditions. This could help if you’ve been offered cover with a high premium, been refused, or have had cover cancelled due to medical conditions. Think about what might suit your needs best and who you need specialist cover for. For more information access the directory.
- Worldwide travel insurance including Winter Sports for you and your family (if eligible), for up to 31 consecutive days per trip (for Winter Sports maximum 31 days cover in any calendar year).
- There is no limit on the number of trips each year.
- Covers UK leisure travel when 2 or more consecutive nights accommodation is booked (5 consecutive nights or more for business trips).
- All cover ceases on the account holders 80th birthday - so long as the account holder is under 80 their spouse, partner or civil partner will also be covered until they reach 80.
- There's cover for the children of you/your partner, spouse or civil partner when travelling with either of you or another responsible adult, provided the children are 18 or under (24 or under if still in full time education). There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination.
- Medical conditions that you and anyone to be covered have, or have had, if they are not all on the ‘No Screen Conditions’ list must be declared and cover agreed with the insurer (there may be an additional premium if the insurer agrees to cover the condition(s))
- Cover is only available to UK residents, registered with a doctor in the UK and who start and end trips in the UK. (UK includes Channel Islands/Isle of Man.)
- There is no cover for any amount recoverable from any other source such as your airline or your accommodation provider.
- There is no cover if travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO) or other regulatory authority
- There is no cover if you cannot travel or choose not to travel because the FCDO, or any other equivalent government body in another country advises against travel due to a pandemic
- Your cover is comprehensive, and includes:
- Emergency medical cover (up to £10,000,000).
- Cancellation or curtailment cover (up to £5,000).
- Personal accident cover (up to £30,000).
- Baggage cover (up to £2,500 (valuables up to £500 in total)).
- Travel disruption cover (up to £5,000).
£75 excess per adult per incident may apply.
Keep in mind the cover is provided whilst you are a United Kingdom resident and are registered with a Doctor in the United Kingdom.
Read the policy document for full details and exclusions (PDF)opens in a new tab.
Claims and assistance
You can make a claim online using the Allianz Assistance Hub, which can be securely accessed through our Mobile Banking app and Internet Banking.
If you don’t bank online, please call Gold Membership Services.
AA Breakdown Family Cover- Roadside Assistance: At the roadside if a vehicle you or your eligible family members are travelling in has broken down over a quarter of a mile from home. If the vehicle can’t be fixed at the roadside, you or your eligible family member will be taken to the AA’s choice of relevant local repairer or local destination of choice, provided it is no further.
- There’s no cover for you/your eligible family member if you or they are involved in a road traffic accident and the AA will not recover your vehicle. The AA may be able to provide support in the event of an accident if you decide to use the AA Accident Assist service - see below.
More about AA Breakdown Family Cover
Read the policy document for full details and exclusions (PDF)opens in a new tab.
Assistance and emergencies
If you break down on the road, please call Gold Membership Services.
AA Accident Assist
AA Accident Assist is available to account holders only. This service could help if you or a person insured on your vehicle are in a motor accident where all parties are insured. The service could recover and fix your vehicle, provide a replacement vehicle or courtesy car and manage insurance claims.
The service is only available in England, Wales and mainland Scotland and is not available for motorbikes or mopeds.
We have included the AA Accident Assist terms and conditions in the policy documents. The link is provided above. You will only be asked to agree to the terms if you choose to use the service. The AA will check to see if you are eligible, talk through your situation, describe the help the service can offer, as well as any costs that may be involved, so that you can decide if you want to go ahead.
Mobile phone insurance
Your insurance, administered by Lifestyle Services Group Limited (LSG) and underwritten by Assurant General Insurance Limited, covers one phone for sole Gold Account holders, and two phones for joint accounts.
- It covers phones worldwide up to a maximum individual value of £2,000, including VAT.
- No more than 2 successful claims per account holder in any 12 month period.
- Repair or replacement of your phone worth up to £2,000 (including VAT) per claim (replacement phones will come from refurbished or re-manufactured stock i.e. not brand new) in the event of loss, theft or damage.
- It covers the cost of unauthorised network charges (calls, data, etc.) from the point your mobile phone is lost or stolen and for up to 24 hours after discovery of the loss or theft made up to £1,500 including VAT for contract phones, and up to £450 including VAT for prepay phones.
Keep in mind unauthorised network charges are only covered in the event of a successful loss/theft claim.
Keep in mind you’ll need to pay a contribution of £100 each time you make a successful claim (this is the excess).
Read the policy document for full details and exclusions (PDF)opens in a new tab.
You are already covered for Mobile Phone Insurance. It’s recommended that you register your phone details as it may help simplify the process for any claims you might have to make in the future. To register your mobile phone, go to your Accounts Benefits tab in Internet Banking, use the Mobile Banking app or call Membership Services.
- Log on to Internet Banking
- Select the ‘More actions’ button on your Gold Account
- Then select ‘View account benefits’ found under the ‘Account information and benefits menu’
- You can register your phone under the ‘Mobile phone insurance’ section
If you don’t bank online, you can also register your phone details or make a claim by calling us.
No debit card fees from us at home or abroad
We won’t charge your debit card fees when you use your card to:
- Make payments in a foreign currency
- Take out money in any currency from an ATM at home or abroad
- Take out money over the counter abroad
If you’re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you.
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With so much choice, take a look at our other current accounts to see which account suits you best.
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.
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 18 or over to apply.
Overdrafts are repayable in full on demand. View Arranged Overdraft borrowing fees.