Good3.9

50% of customers recommended from 984 ratings

Lloyds Bank current accounts come with a Lloyds Bank Visa debit card, which can be used in over 500,000 locations in the UK and online. You are able to manage your money any time of day using internet and mobile banking. The money you hold in your Lloyds Bank current account is protected under the Financial Services Compensation Scheme, up to a value of £85,000.

Compare Lloyds Bank Current Accounts

Lloyds Bank Club Lloyds
Account Fee & Requirements
No monthly fee
pay in £1,500+ a month
Overdraft
£100 interest & fee free, then 19.94% EAR variable
Interest Rate
up to 4% AER
(on up to £5,000)
As long as you pay £1,500 or more into your account each month, Lloyds will waive the £5 Club Lloyds monthly fee. If in any month you don't pay in this amount, you will need to pay the monthly fee.
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 19.94% EAR (variable) + £6 per month.
Lloyds Bank Business Account for Switchers
Account Fee & Requirements
varies a month
Overdraft
varies
Interest Rate
0% AER
6 months free day to day business banking subject to status (charges apply after this period). See site for full terms and conditions.
Lloyds Bank International Current Account
Account Fee & Requirements
£7.50 a month
Overdraft
£200 interest & fee free, then 15.8% EAR variable
Interest Rate
0% AER
Lloyds Bank Business Account for Start-ups
Account Fee & Requirements
varies a month
Overdraft
varies
Interest Rate
0% AER
Lloyds Bank Classic Account
Account Fee & Requirements
No monthly fee
Overdraft
£25 interest & fee free, then 19.94% EAR variable + £6/month
Interest Rate
0% AER
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 19.94% EAR (variable) + £6 per month.
Lloyds Bank Platinum Account Ex/C
Account Fee & Requirements
£17 a month
Overdraft
£300 interest & fee free, then 17.28% EAR variable + £6/month
Interest Rate
0% AER
This product is only available to existing customers.
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 17.28% EAR (variable) + £6 per month.
Lloyds Bank Silver Account Ex/C
Account Fee & Requirements
£9.95 a month
Overdraft
£50 interest & fee free, then 19.94% EAR variable + £6/month
Interest Rate
0% AER
This product is only available to existing customers.
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 19.94% EAR (variable) + £6 per month.
Lloyds Bank Classic Account with Control
Account Fee & Requirements
£10 a month
Overdraft
£25 interest & fee free, then 19.94% EAR variable + £6/month
Interest Rate
0% AER
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 19.94% EAR (variable) + £6 per month.
Lloyds Bank Graduate Account
Account Fee & Requirements
No monthly fee
Overdraft
variable interest & fee free
Interest Rate
0% AER
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 0% EAR (variable).
Lloyds Bank Student Account
Account Fee & Requirements
No monthly fee
Overdraft
variable interest & fee free
Interest Rate
0% AER
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 0% EAR (variable).
Lloyds Bank Cash Account
Account Fee & Requirements
No monthly fee
Overdraft
-
Interest Rate
0% AER
Lloyds Bank Under 19s Account
Account Fee & Requirements
No monthly fee
Overdraft
-
Interest Rate
2.5% AER
(on up to £2,500)
Lloyds Bank Business Account for Start-ups (Monthly PricePlan)
Account Fee & Requirements
varies a month
Overdraft
varies
Interest Rate
0% AER
Lloyds Bank Business Account for Switchers (Monthly PricePlan)
Account Fee & Requirements
varies a month
Overdraft
varies
Interest Rate
0% AER
Lloyds Bank Club Lloyds Platinum Account Ex/C
Account Fee & Requirements
£17 a month
pay in £1,500+ a month
Overdraft
£300 interest & fee free, then 17.28% EAR variable
Interest Rate
up to 4% AER
(on up to £5,000)
This product is only available to existing customers.
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 17.28% EAR (variable) + £6 per month.
Lloyds Bank Club Lloyds Silver Account Ex/C
Account Fee & Requirements
£9.95 a month
pay in £1,500+ a month
Overdraft
£100 interest & fee free, then 19.94% EAR variable
Interest Rate
up to 4% AER
(on up to £5,000)
This product is only available to existing customers.
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 19.94% EAR (variable) + £6 per month.
Lloyds Bank Premier International Current Account
Account Fee & Requirements
£7.50 a month
Overdraft
£200 interest & fee free, then 15.8% EAR variable
Interest Rate
0% AER
Lloyds Bank Club Lloyds with Control
Account Fee & Requirements
£10 a month
pay in £1,500+ a month
Overdraft
£100 interest & fee free, then 19.94% EAR variable
Interest Rate
up to 4% AER
(on up to £5,000)
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 19.94% EAR (variable) + £6 per month.

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Lloyds Bank Current Account Reviews

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Got a Lloyds Bank current account? Tell us about your experience because it will help others. Add a review.

A bank that listens.

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by kfin09

Having been with Lloyds Bank for several years, I would recommend them for numerous products. In my experience they have also been keen to listen and to try to tailor their products/accounts/services to meet my needs. My account manager regularly reviews my products and advises me where changes might be made to make my money go further.

by , 24 Nov 2014 report review

Lloyds Bank Great service

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by reactavan

Always helpful, good at resolving problems and accounts offer a lot for your money. Great options for those wanting to save money, like the option they provide called save the change! Save the change has helped me save plenty of extra money when I haven't been able to put large sums aside. Everytime you spend money on your debit card, if it falls short of the nearest pound, that extra bit is made up and sent to your savings account, savings soon build up! Service and products are great, the student account helped me when I was studying by providing me with a free NUS card, excellent thing to have as a student! Discounts in so many places!

Great service and products

by , 16 Dec 2014 report review

Lloyds customer service

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by mag69l

There is a wide choice of accounts available which we have found useful. Our current account provides easy access. You can withdraw money from cash point machines or over the counter which is useful when you forget your pin number! The staff are helpful & polite. They explain banking procedures well. And double check what they are doing. (Always helpful)

by , 10 Dec 2014 report review

Lloyds current account

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by anders3

I have a Club current account because it pays a good rate of interest and has a link to a good monthly saver. It works for me because I can keep it adequately funded. I have no complaints about the branch or online service. It would be better if there was an online instant access savings account with a reasonable rate of interest which could be used in conjunction with the current account.

Good interest rate and service.

Lack of good instant access account

by , 9 Dec 2014 report review

Not bad for the High St

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by mamagill

We have banked with Lloyds for over 20 years and have almost always received great service. The local branch staff are friendly and do their utmost to make your visit as smooth as possible. There are always staff on hand to help with any new machines that have been installed and nothing is too much trouble. Small gripe that customer advisors can be a little pushy but they are only doing their job at the end of the day and probably have the dreaded 'targets' to meet

by , 25 Nov 2014 report review

Gold account is worth it.

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by boostuff

Lloyds Gold account comes with many features making it a good value added account. You can link a savings account to 'save the change'. I currently do not pay fees for the account as I opened it some time ago. As long as I keep the balance over £2k then it's free. I think the current charge is around the £10 mark.

by , 24 Nov 2014 report review

Lloyds bank current account

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by sparklet

I have banked for more than thirty years with LLOYDS and elected to remain with them when my local branch became TSB with whom I also hold an account. Since the split I have dealt with both banks and the customer service at lloyds via the telephone is far superior. I have only visited the new branch once so cannot comment on face to face customer service. My account pays interest on deposits.

by , 23 Nov 2014 report review

Lloyds Current Account

Satisfactory

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by irena

I have been a customer with Lloyds for more years than I care to remember! On the whole I have been satisfied with them and the service they provide. The interest rates they offer are nothing special though I am thinking of trading to their club account to get 4% on my credit balance. I do think their internet banking is one of the better ones from my experience of various online banking facilities. Such a shame they have been mired with all the mis-selling scandals

by , 9 Dec 2014 report review

Long term Lloyds customer

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by rvk

I have held the same LLoyds Bank current account since I was a university student a Leeds back in 1964. I may have missed out on various special offers over he years but it has suited me to stay with something I have known for so long. I have never had any kind of major problem with Lloyds and so I intend to leave my current account just where it is.

by , 10 Dec 2014 report review

Totally reliable and informative

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by katielovese

We have had a current account with Lloyds back for many years and are totally satisfied with their customer service and the banking they provide. We have been informed at every change, through email. our banking is safe and , as we have a busy life, totally appreciate the online banking service provided. If we do need to speak to anyone they have been polite and informative and the bank account comes with many extras at very little extra cost.

by , 25 Nov 2014 report review

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