Go paper-free
Amend paper-free preferences for your statements and correspondence.
Smart Start support
Time to get started with your new accounts.
Handy tips for Smart Start customers
Lloyds Bank Smart ID
A reusable digital identity for anyone over 13.
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Interest is the money we pay you for saving with us in your Smart Start Savings Account. How much money we pay you is driven by the amount of money you have saved in your Savings Account. The interest is shown as a percentage of the money.
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A standing order is a payment that’s always the same amount, going out of your account at the same time. You choose when and how often. For example, you could make a payment to your Savings Account on the 1st day of every month. You can set an end date for it to stop or it can be ongoing until you cancel it.
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A Direct Debit is when you let a company take money out of your account on a set date. Direct Debits are normally set up to pay for something each month. This could be a monthly subscription, or mobile phone bill.
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Yes. You’ll only be able to spend money that’s in your Spending Account. To help you manage your money, we’ve made it easy for you by setting spending limits. That way you can be sure you don’t overspend.
Daily spending limits Ways to manage your money
Aged 11-15
Aged 16-17
Aged 18
Ways to manage your money
Using your debit card to pay online and in shops.
Aged 11-15
£200
Aged 16-17
£1,000
Aged 18
The money you have in your account.
Ways to manage your money
Using Internet Banking to transfer money.
Aged 11-15
£500. This limit also applies to your Savings Account.
Aged 16-17
£500. This limit also applies to your Savings Account.
Aged 18
£500. This limit also applies to your Savings Account.
Ways to manage your money
Using one of our branches with a counter to take money out.
Aged 11-15
£1,000
Aged 16-17
£1,000
Aged 18
£5,000
Ways to manage your money
Using your debit card to take money out of a cash machine.
Aged 11-15
£100
Aged 16-17
£100
Aged 18
£500
Ways to manage your money
Using the Post Office® to take money out.
Aged 11-15
£100
Aged 16-17
£100
Aged 18
£300
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You don't get a cheque book with Smart Start. But you might get the occasional cheque. If you do, you can deposit your cheque in branch, in a Post Office® or by using our Mobile Banking app. Find out how to pay in cheques using our app.
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Protecting your personal information online matters to us. This is why we want you to understand how we’ll use your information and what rights you have.
Data Privacy Notice (DPN)A DPN details the ways we collect, use and share your data.
Read about how we use your data (PDF, 62KB).
Cookie PolicyCookies are small files that are sent to your computer, mobile phone or tablet when you visit a website. They stay on your device and are sent back to the website they came from when you visit it again. Cookies collect data, such as your choices and other details.
Cookies are needed to run our website to keep it secure. They help us know who you are so that you can sign in and manage your accounts. They also help us keep your details safe and private.
More about our Cookie Policy
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Important legal information
Save the Change® is a registered trademark and used under licence.
Our app is available to customers with a UK personal account and valid registered phone number. Minimum operating systems apply, so check the App Store or Google Play for details. Device registration required. Terms and conditions apply.
Google Pay is a trademark of Google LLC. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.
*For children under the age of 13, a parent or legal guardian will need to use ‘Family Sharing’ for Apple devices or ‘Family Link’ for Android devices, to approve the app download.