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Savings accounts
Browse our latest savings account offers, including options helping you to make the most of your annual ISA allowance. Apply for a savings account online today.
Explore our range of savings accounts
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Each year you can take advantage of a personal ISA allowance, helping you to save and earn tax-free interest. By tying yourself into a fixed ISA you could benefit from a fixed rate for that term. Or choose an instant access ISA giving you flexibility over a shorter period
Account name
Interest rate
Minimum deposit
Open
Withdrawals
Account name
Interest rate
3.95%
AER/tax free fixed.Plus, an extra 0.05% AER/tax free if you already have a Lloyds Bank personal current account that has been opened for a minimum of 40 days.
Choose to receive interest monthly or after each year.
Minimum deposit
£3,000
Open
For 1 year. Your account will then change to an Instant Cash ISA.
Withdrawals
Charges apply
Learn more and apply for a 1 Year Fixed Rate Cash ISA
Account name
Interest rate
3.65%
AER/tax free fixed.
Plus an extra 0.10% AER/tax free if you already have a Lloyds Bank personal current account that has been opened for a minimum of 40 days.
Choose to receive interest monthly, or after each year.
Minimum deposit
£3,000
Open
For 2 years. Your account will then change to an Instant Cash ISA.
Withdrawals
Charges apply
Account name
Interest rate
3.70%
AER/3.64% tax free variable monthly if you make 3 or less withdrawals.
1.05%
AER/1.04% tax free variable monthly if you make 4 or more withdrawals.
Interest is paid monthly.
Minimum deposit
£1
Open
For 1 year. Your account will then change to an Instant Cash ISA.
Withdrawals
Unlimited.
If you make 4 or more withdrawals, you’ll get a lower interest rate from the month you make the 4th withdrawal until the end of the account year.
Learn more and apply for a Club Lloyds Advantage ISA Saver
Account name
Interest rate
1.15%
AER/tax free on balances from £1 - £24,999.
1.25%
AER/tax free on balances from £25,000 - £99,999.
1.60%
AER/tax free on balances from £100,000 or more.
An extra 0.30% AER/tax free if you already have a Club Lloyds or Private Banking personal current account.
Interest is variable and paid twice per year. Rate applies to the full balance.
Minimum deposit
£1
Open
For 1 year. Your account will then change to an Instant Cash ISA.
Withdrawals
Unlimited
Learn more and apply for a Cash ISA Saver
Account name
Interest rate
2.85%
AER/tax free variable.
Interest is paid after each year.
Minimum deposit
£1
Open
Until the child's 18th birthday. Then the account will change to an adult Cash ISA Saver.
Withdrawals
None until the child's 18th birthday
Learn more and apply for a Junior Cash ISA
Account name
Instant Cash ISA
If you have an adult cash ISA with us, it will change into this account at the end of its term.
Interest rate
1.15%
AER/tax free on balances from £1 - £24,999.
1.25%
AER/tax free on balances from £25,000 - £99,999.
1.60%
AER/tax free on balances from £100,000 or more.
Interest is variable and applies to the full balance. It is paid at the same frequency as your original ISA.
Minimum deposit
£1
Open
There's no end date.
Withdrawals
Unlimited
You cannot apply direct for an Instant Cash ISA
Tax treatment depends on individual circumstances and may change in the future.
Interest on savings
Interest rates are subject to change. You can check current interest rates online at any time.
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If you don't need instant access to your savings, you could lock your money in to benefit from a fixed rate for that term. Whether you're saving for a planned project, or just want the reassurance of a growing safety net, a fixed term account could help.
Account
Interest rate
Minimum deposit
Open
Withdrawals
Where next?
Account
Interest rate
3.95%
AER/tax free fixed.Plus, an extra 0.05% AER/tax free if you already have a Lloyds Bank personal current account that has been opened for a minimum of 40 days.
Choose to receive interest monthly, or after each year.
Minimum deposit
£3,000
Open
For 1 year. Your account will then change to an Instant Cash ISA.
Withdrawals
Charges apply
Where next?
Learn more and apply for a 1 Year Fixed Rate Cash ISA
Account
Interest rate
3.65%
AER/tax free fixed.
An extra 0.10% AER/tax free if you already have a Lloyds Bank personal current account that has been opened for a minimum of 40 days.
Choose to receive interest monthly, or after each year.
Minimum deposit
£3,000
Open
For 2 years. Your account will then change to an Instant Cash ISA.
Withdrawals
Charges apply
Where next?
Learn more and apply for a 2 Year Fixed Rate Cash ISA
Account
Interest rate
3.95%
AER/gross fixed for a 1-year term.
3.65%
AER/gross fixed for a 2-year term.
An extra 0.05% AER/gross for the one year term or 0.10% AER/gross for the two year term will be added if you already have a Lloyds Bank personal current account that has been opened for a minimum of 40 days.
Interest is paid after each year.
Minimum deposit
£2,000
Open
For 1 or 2 years. Your account will then change to a Standard Saver.
Withdrawals
By account closure only. Charges apply
Where next?
Learn more and apply for a Online Fixed Bond
Account
Lend a Hand Fixed Savings Account
Only available if either you or the mortgage applicant have a Club Lloyds current account.
Interest rate
3.90%
AER/gross fixed.
Interest is paid after each year.
Minimum deposit
10% of the purchase price of the property
Open
For 3 years. Your account will then change to a Standard Saver.
Withdrawals
No withdrawals or early closure while your money is being held as security against the Lend a Hand Mortgage.
Where next?
Learn more and apply for a Lend a Hand Fixed Savings Account
Account
Standard Saver
If you have a Club Lloyds Saver, Club Lloyds Monthly Saver, Club Lloyds, Advantage Saver, Easy Saver, Monthly Saver, Fixed Bond, Online Fixed Bond or Lend a Hand Fixed Savings Account with us, it will change into this account at the end of its term.
Interest rate
1.30%
AER/gross on balances from £1 - £24,999.
1.35%
AER/gross on balances from £25,000 - £99,999.
1.80%
AER/gross on balances from £100,000 or more.
Interest is variable and applies to the full balance. It is paid at the same frequency as your original savings account.
Minimum deposit
£1
Open
There's no end date.
Withdrawals
Unlimited
Where next?
You can't apply direct for a Standard Saver
Account
Instant Cash ISA
If you have an adult cash ISA with us, it will change into this account at the end of its term.
Interest rate
1.15%
AER/tax free on balances from £1 - £24,999.
1.25%
AER/tax free on balances from £25,000 - £99,999.
1.60%
AER/tax free on balances from £100,000 or more.
Interest is variable and applies to the full balance. It is paid at the same frequency as your original ISA.
Minimum deposit
£1
Open
There's no end date.
Withdrawals
Unlimited
Where next?
You can't apply direct for an Instant Cash ISA
Tax treatment depends on individual circumstances and may change in the future.
Interest on savings
Interest rates are subject to change. You can check current interest rates online at any time.
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If you’re a Club Lloyds member, in addition to your other benefits, we offer exclusive rates on savings accounts. Start saving with as little as £1, with the benefit of instant access to your money if you need it. Make the most of your membership and start growing your savings today.Account
Interest rate
Minimum deposit
Open
Withdrawals
Where next?
Account
Interest rate
3.70%
AER/3.64% gross variable interest if you make 3 or less withdrawals.
1.05%
AER/1.04% gross variable if you make 4 or more withdrawals.
Interest is paid monthly.
Minimum deposit
£1
Open
For 1 year. Your account will then change to a Standard Saver.
Withdrawals
Unlimited.
If you make 4 or more withdrawals, you’ll get a lower interest rate from the month you make the 4th withdrawal until the end of the account year.
Where next?
Learn more and apply for a Club Lloyds Advantage Saver
Account
Interest rate
3.70%
AER/3.64% tax free variable monthly if you make 3 or less withdrawals.
1.05%
AER/1.04% tax free variable monthly if you make 4 or more withdrawals.
Interest is paid monthly.
Minimum deposit
£1
Open
For 1 year. Your account will then change to an Instant Cash ISA.
Withdrawals
Unlimited.
If you make 4 or more withdrawals, you’ll get a lower interest rate from the month you make the 4th withdrawal until the end of the account year.
Where next?
Learn more and apply for a Club Lloyds Advantage ISA Saver
Account
Interest rate
1.45%
AER/gross on balances from £1 - £24,999.
1.55%
AER/gross on balances from £25,000 - £99,999.
1.90%
AER/gross on balances from £100,000 or more.
Interest is variable. Choose to receive interest monthly, or after each year. Rate applies to the full balance.
Minimum deposit
£1
Open
For 1 year. Your account will then change to a Standard Saver.
Withdrawals
Unlimited
Where next?
Learn more and apply for a Club Lloyds Saver
Account
Interest rate
6.25%
AER/gross fixed.
Interest is paid after a year.
Minimum deposit
£25-£400 a month
Open
1 year. Then your account will change to a Standard Saver.
Withdrawals
Unlimited
Where next?
Learn more and apply for a Club Lloyds Monthly Saver
Account
Interest rate
1.15%
AER/tax free on balances from £1 - £24,999.
1.25%
AER/tax free on balances from £25,000 - £99,999.
1.60%
AER/tax free on balances of £100,000 or more.
An extra 0.30% tax free/AER will be added if you already have a Club Lloyds or Private Banking personal current account.
Interest is variable and paid twice per year. Rate applies to the full balance.
Minimum deposit
£1
Open
For 1 year. Your account will then change to an Instant Cash ISA.
Withdrawals
Unlimited
Where next?
Learn more and apply for a Cash ISA Saver
Account
Standard Saver
If you have a Club Lloyds Saver, Club Lloyds Monthly Saver, Club Lloyds, Advantage Saver, Easy Saver, Monthly Saver, Fixed Bond, Online Fixed Bond or Lend a Hand Fixed Savings Account with us, it will change into this account at the end of its term.
Interest rate
1.30%
AER/gross on balances from £1 - £24,999.
1.35%
AER/gross on balances from £25,000 - £99,999.
1.80%
AER/gross on balances from £100,000 or more.
Interest is variable and applies to the full balance. It is paid at the same frequency as your original savings account.
Minimum deposit
£1
Open
There's no end date.
Withdrawals
Unlimited
Where next?
You can't apply direct for a Standard Saver
Account
Instant Cash ISA
If you have an adult cash ISA with us, it will change into this account at the end of its term.
Interest rate
1.15%
AER/tax free on balances from £1 - £24,999.
1.25%
AER/tax free on balances from £25,000 - £99,999.
1.60%
AER/tax free on balances from £100,000 or more.
Interest is variable and applies to the full balance. It is paid at the same frequency as your original ISA.
Minimum deposit
£1
Open
There's no end date.
Withdrawals
Unlimited
Where next?
You can't apply direct for an Instant Cash ISA
More about Club Lloyds savings accounts
Tax treatment depends on individual circumstances and may change in the future.
Interest on savings
Interest rates are subject to change. You can check current interest rates online at any time.
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Instead of filling up a piggy bank, open a child’s savings account and put their pennies to work. As well as helping them to grow their savings for the future, you could help a child to establish a positive and confident relationship with money.Account
Interest rate
Minimum deposit
Open
Withdrawals
Where next?
Account
Designed for 11-15 year olds, providing a current account and savings account.
You need a Club Lloyds current account to open this account for your child.
Interest rate
2.85%
AER/2.81% gross on balances from £1 - £1,000.
1.15%
AER/1.14% gross on any excess above £1,000.
Interest applies to the savings account only and is paid monthly.
Minimum deposit
£1
Open
Until the child’s 18th birthday. The savings account will change to an adult Easy Saver. The spending account will change to an adult Classic Account.
Withdrawals
Unlimited
Where next?
Learn more and apply for a Smart Start
Account
Interest rate
2.85%
AER/tax free variable.
Interest is paid after each year.
Minimum deposit
£1
Open
Until the child's 18th birthday. Then the account will change to an adult Cash ISA Saver.
Withdrawals
None until the child's 18th birthday
Where next?
Learn more and apply for a Junior Cash ISA
Account
Interest rate
2.85%
AER/2.81% gross on balances from £1 - £5,000.
1.15%
AER/1.14% gross on any excess above £5,000.
Interest is variable and paid monthly.
Minimum deposit
£1
Open
Until the child's 16th birthday. Then the account will change to an adult Easy Saver.
Withdrawals
Unlimited
Where next?
Learn more and apply for a Child Saver
Account
Standard Saver
If you have a Club Lloyds Saver, Club Lloyds Monthly Saver, Club Lloyds, Advantage Saver, Easy Saver, Monthly Saver, Fixed Bond, Online Fixed Bond or Lend a Hand Fixed Savings Account with us, it will change into this account at the end of its term.
Interest rate
1.30%
AER/gross on balances from £1 - £24,999.
1.35%
AER/gross on balances from £25,000 - £99,999.
1.80%
AER/gross on balances from £100,000 or more.
Interest is variable and applies to the full balance. It is paid at the same frequency as your original savings account.
Minimum deposit
£1
Open
There's no end date.
Withdrawals
Unlimited
Where next?
You can't apply direct for a Standard Saver
Tax treatment depends on individual circumstances and may change in the future.
Interest on savings
Interest rates are subject to change. You can check current interest rates online at any time.
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While savings accounts can help you earn variable or fixed interest on the money you set aside, investments could be another way to help your money grow. We offer a range of investment options you might like to consider:
Please remember that the value of all investments can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek financial advice. Tax treatment depends on personal circumstances and may be subject to change.
From holidays, to helping you to manage unexpected repairs at home, building a savings pot could give you more financial confidence. We offer a range of flexible accounts, with minimum deposits starting from as little as £1, and instant access to your money when you need it.
|
Account |
Interest |
Minimum deposit |
Open |
Withdrawals |
Where next? |
|---|---|---|---|---|---|
|
Account Club Lloyds Advantage ISA SaverOnly available to Club Lloyds current account holders. |
Interest 3.70% AER/3.64% tax free variable monthly if you make 3 or less withdrawals. 1.05% AER/1.04% tax free variable monthly if you make 4 or more withdrawals. Interest is paid monthly. |
Minimum deposit £1 |
Open For 1 year. Your account will then change to an Instant Cash ISA. |
Withdrawals Unlimited If you make 4 or more withdrawals, you’ll get a lower interest rate from the month you make the 4th withdrawal until the end of the account year. |
Where next? Learn more and apply for a Club Lloyds Advantage ISA Saver |
|
Account |
Interest 1.15% AER/tax free on balances from £1 - £24,999. 1.25% AER/tax free on balances from £25,000 - £99,999. 1.60% AER/tax free on balances from £100,000 or more. An extra 0.30% AER/tax free will be added if you already have a Club Lloyds or Private Banking personal current account. Interest is variable. Rate applies to the full balance. |
Minimum deposit £1 |
Open For 1 year. Your account will then change to an Instant Cash ISA. |
Withdrawals unlimited |
Where next? Learn more and apply for a Cash ISA Saver |
|
Account Club Lloyds Advantage SaverOnly available to Club Lloyds current account holders. |
Interest 3.70% AER/3.64% gross variable interest if you make 3 or less withdrawals. 1.05% AER/1.04% gross variable if you make 4 or more withdrawals. Interest is paid monthly. |
Minimum deposit £1 |
Open For 1 year. Your account will then change to a Standard Saver. |
Withdrawals Unlimited If you make 4 or more withdrawals, you’ll get a lower interest rate from the month you make the 4th withdrawal until the end of the account year. |
Where next? Learn more and apply for a Club Lloyds Advantage Saver |
|
Account Club Lloyds SaverOnly available to Club Lloyds current account holders. |
Interest 1.45% AER/gross on balances from £1 - £24,999. 1.55% AER/gross on balances from £25,000 - £99,999. 1.90% AER/gross on balances from £100,000 or more. Interest is variable. Choose to receive interest monthly, or after a year. Rate applies to the full balance. |
Minimum deposit £1 |
Open For 1 year. Your account will then change to a Standard Saver. |
Withdrawals Unlimited |
Where next? Learn more and apply for a Club Lloyds Saver |
|
Account Easy SaverOpen up to 5 Easy saver accounts, giving you different savings pots. |
Interest 1.15% AER/gross on balances from £1 - £24,999. 1.25% AER/gross on balances from £25,000 - £99,999. 1.60% AER/gross on balances from £100,000 or more. Interest is variable and paid after a year. Rate applies to the full balance. |
Minimum deposit £1 |
Open For 1 year. Your account will then change to a Standard Saver. |
Withdrawals Unlimited |
Where next? Learn more and apply for an Easy Saver |
|
Account |
Interest 2.85% AER/2.81% gross on balances from £1 - £5,000. 1.15% AER/1.14% gross on any excess above £5,000. Interest is variable and paid monthly. |
Minimum deposit £1 |
Open Until the child's 16th birthday. Then the account will change to an adult Easy Saver. |
Withdrawals Unlimited |
Where next? Learn more and apply for a Child Saver |
|
Account Smart StartDesigned for 11 to 15-year-olds, providing both a current account and savings account.
You need a Club Lloyds current account to open this account for your child. |
Interest 2.85% AER/2.81% gross on balances from £1 - £1,000. 1.15% AER/1.14% gross on any excess above £1,000. Interest applies to the savings account only. Interest is variable and is paid monthly |
Minimum deposit £1 |
Open Until the child’s 18th birthday. The savings account will then change to an adult Easy Saver. The spending account will change to an adult Classic Account |
Withdrawals Unlimited |
Where next? Learn more and apply for Smart Start |
|
Account Club Lloyds Monthly SaverOnly available to Club Lloyds current account holders. |
Interest 6.25% AER/gross fixed. Interest is paid after a year. |
Minimum deposit £25-£400 a month |
Open 1 year. Then your account will change to a Standard Saver. |
Withdrawals Unlimited |
Where next? Learn more and apply for a Club Lloyds Monthly Saver |
|
Account |
Interest 5.25% AER/gross fixed. Interest is paid after a year. |
Minimum deposit £25-£250 a month |
Open 1 year. Then your account will change to a Standard Saver. |
Withdrawals Unlimited |
Where next? Learn more and apply for a Monthly Saver |
|
Account Standard SaverIf you have a Club Lloyds Saver, Club Lloyds Monthly Saver, Club Lloyds, Advantage Saver, Easy Saver, Monthly Saver, Fixed Bond, Online Fixed Bond or Lend a Hand Fixed Savings Account with us, it will change into this account at the end of its term. |
Interest 1.30% AER/gross on balances from £1 - £24,999. 1.35% AER/gross on balances from £25,000 - £99,999. 1.80% AER/gross on balances from £100,000 or more. Interest is variable and applies to the full balance. It is paid at the same frequency as your original savings account. |
Minimum deposit £1 |
Open There's no end date. |
Withdrawals Unlimited |
Where next? You can't apply direct for a Standard Saver |
|
Account Instant Cash ISAIf you have an adult cash ISA with us, it will change into this account at the end of its term. |
Interest 1.15% AER/tax free on balances from £1 - £24,999. 1.25% AER/tax free on balances from £25,000 - £99,999. 1.60% AER/tax free on balances from £100,000 or more. Interest is variable and applies to the full balance. It is paid at the same frequency as your original ISA. |
Minimum deposit £1 |
Open There's no end date. |
Withdrawals Unlimited |
Where next? You can't apply direct for an Instant Cash ISA |
Tax treatment depends on individual circumstances and may change in the future.
Interest on savings
Interest rates are subject to change. You can check current interest rates online at any time.
Useful savings terms
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AER should help you to understand how much interest you would earn from your savings over the course of a year. The percentage figure is also useful when comparing savings accounts.
This accounts for compound interest. That’s interest earned on top of any interest you’ve already been paid, which forms part of your total savings balance.
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This is the percentage of interest you would earn from your savings before tax. We don’t make tax deductions from any interest paid. You’re responsible for declaring and paying any tax due to HM Revenue and Customs.
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Interest on child savings accounts and ISAs is usually exempt from tax.
Adults may be able to earn some interest from their savings each year without paying tax, subject to your personal allowance on earnings, starting rate for savings or personal savings allowance. You also have an annual allowance for ISAs, helping you to save in a tax efficient way.
Options to suit you
Whether you need easy access to your money or are looking for a fixed rate for a longer term, we have options to suit you.
Easy tracking and protection
Manage your savings using Internet Banking or with the Mobile Banking app. The Financial Services Compensation scheme (FSCS) protects up to £85,000 of your money.
A name to trust
Since 1765, we've helped Britain prosper, providing financial confidence and peace of mind for our customers of every generation.
Financial Services Compensation Scheme
Eligible deposits held with us are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK’s deposit guarantee scheme.
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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).