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Important information for International Students
What you get with a Classic Account
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Q - How do I open an account if I am going to be studying in the UK?
A - You can easily apply for an account through our website or by downloading the Lloyds Bank mobile app on either iOS or Android. There is a step-by-step guide to setting up the app plus information on the features available at the following page: Mobile Banking app | Mobile Banking | Lloyds Bank
Q - How quickly can I start using my account?
A - In most cases it will be the same day. However, sometimes due to needing further information from you or during periods of high demand, it may take a little longer. We’ll contact you when the account is open and active.
Q - What documents do I need to open an account in the App?
A - A valid biometric British residents permit card and a mobile number registered in the UK. Be aware that without a UK telephone number we won’t be able to send you important information.
Q - Do I need a permanent address?
A - Yes, if you are using your student accommodation it may have to be entered manually. You may be required to provide evidence of this address upon account opening.
Q - My previous address does not fit in the information box provided?
A - Provide the first line of your address followed by town and country.
Q - I’ve completed my application and I have been told to wait, what is happening?
A - We are checking your application and there will be no need to do anything further. We’ll be in touch with you if we need you to do anything. Please do not enter a branch as our branch colleagues can’t expedite the process.
Q - I can’t open my account digitally can I visit a branch?
A - It’s usually easier and quicker to apply online, but sometimes we understand customers need additional support. Please visit one of our branches and we’ll be happy to help you with your application.
Please bring your smartphone with you or a similar digital capable device (i.e. a tablet) if you have one.
Guidance for providing your proof of identity online- Your name, address and date of birth must match your application
- Your document must be in date
- Use a device with a good camera, such as a mobile phone
- Make sure there is no glare, and the document is well lit
For this page in the following languages please see the documents below:
Traditional Cantonese and Simplified Mandarin (PDF, 225KB)
Hindi (PDF, 124KB)
Urdu (PDF, 96KB)
Open a Classic Account today
To apply, you need to be aged 18 or older and live in the UK. If you are not an existing Lloyds Bank customer you may need to provide proof of identity.
You can also apply for this account by booking an appointment at your nearest branch.
Current account FAQs
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Switch your current account to us in just 7 working days, using our stress-free process
Whether you want to move to Lloyds Bank or you already bank with us and want to open a new Lloyds current account, switching is easy. Our team will do everything to ensure your switch runs smoothly, including transferring all your Direct Debits and standing orders to your new account for you.
You'll be able to switch your account to us at the end of your online application.
Here's how the process works
- Working day 1
The switching begins
We make contact with your old bank to arrange the switch.
- Working day 2
We’ll let you know your old bank has received your request. We then start transferring your payments to your new Lloyds Bank account.
- Working day 3-5
It’ll take a couple of days to switch over your payment arrangements, and make sure your Lloyds Bank account is ready to go for the switch date.
- Working day 6
If you’re clearing a debit balance at your old account, you’ll need to make sure there are enough funds in your Lloyds Bank account to cover the transfer.
- Working day 7
Congratulations, your switch is complete. Your balance is transferred and your old account is closed.
- After you switch
We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
Current Account Switch Guarantee
We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.
The service is free to use and you can choose and agree your switch date with us.
We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
If you have money in your old account, we will transfer it to your new account on your switch date.
We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
If there are any issues in making the switch, we will contact you before your switch date.
If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.
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It is less likely that you will be approved for an overdraft if you have not been a resident in the UK.
Arranged overdraft information
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. Using an arranged overdraft increases your overall borrowing and may 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.
All overdrafts are subject to application and repayable on demand. You must be 18 or over to apply.
Arranged overdraft details
- £0 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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If you have a Basic Account with us and would like to change it to a Classic Account. Or if you already have a Classic Account with us, you may be interested in upgrading to Club Lloyds or one of our Packaged Bank Accounts. Log on to Internet Banking to see upgrade options available to you.
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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.
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