Packaged Bank Accounts

Accounts that offer a range of insurance and lifestyle benefits along with all the everyday banking services you rely on.

More information on Packaged Bank Accounts

Our packaged bank accounts

£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.

Already got a packaged bank account?

Mobile Banking Guide expandable section

Step one

Open your mobile app and sign in. On your Packaged Bank Account, click on the three dots

Step two

Scroll down to click View account benefits

Scan the QR code to download the app
Internet Banking Guide expandable section
Step one

Log in to your Internet Banking and next to your Packaged Bank account click More actions

Step two

Click on Account Information and Benefits and then scroll down to View account benefits

Ready to log on?

When you log on, we’ll ask for:

your User ID

your password

part of your memorable information

If you don’t know these or they aren’t working, you can reset them online.

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If you don't bank online expandable section

If you don’t bank online or if you’d prefer to speak with someone, please call us.

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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.

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