Lloyds Bank in 60 seconds
Lloyds Bank at a glance (2026)
Open until 30 April 2026Lloyds Bank is running a £200 switching offer for new Club Lloyds customers and a £500 offer for new Lloyds Premier customers. Conditions apply — see the switching section below.
About Lloyds Bank
Lloyds Bank traces its origins to 1765 Birmingham, founded by John Taylor and Sampson Lloyd II. It became Lloyds TSB after the 1995 Lloyds Bank–TSB merger, took over HBOS in 2009 to form Lloyds Banking Group, and rebranded back to Lloyds Bank in 2013 when TSB was spun out.
Today Lloyds Bank is one of three retail brands inside Lloyds Banking Group, alongside Halifax and Bank of Scotland. Since early 2025, customers of any of the three brands can use any of the three branch networks for everyday cash and balance services.
Lloyds Bank accounts in 2026
Current account lineup
Classic Account
The standard fee-free Lloyds Bank current account. Contactless Mastercard debit card, Apple Pay and Google Pay, and full access to the Lloyds Bank app.
- Fee-free everyday banking.
- Arranged overdrafts subject to status.
- Eligible for Save the Change automatic savings.
Club Lloyds
Lloyds’ flagship account. £5/month, waived on a £2,000+ monthly pay-in. Choose an annual lifestyle perk and earn up to 3% AER credit interest on linked balances.
- Annual lifestyle perk (Disney+, cinema, Coffee Club, magazine).
- Up to 3.00% AER on £4,000–£5,000.
- £200 switching bonus until 30 April 2026.
Lloyds Premier
£15/month, refunded each month you meet the criteria. Bupa Family GP & Wellbeing membership, 1% cashback on debit-card spend up to £10/month, and 0.2% off Lloyds mortgage rates.
- Bupa Family GP & Wellbeing benefit.
- 1% cashback up to £10/month on debit-card spend.
- £500 switching bonus until 30 April 2026.
Club Lloyds Silver
Club Lloyds with added insurance: European multi-trip travel insurance, mobile phone insurance and UK breakdown cover. £11.50/month plus the £5 Club Lloyds fee (refundable).
- European multi-trip travel insurance.
- Mobile phone insurance.
- UK breakdown cover.
Club Lloyds Platinum
£22.50/month. Worldwide travel insurance, AA UK and European breakdown cover, mobile phone insurance and the full Club Lloyds perks bundle.
- Worldwide family travel insurance.
- AA UK + European breakdown cover.
- Mobile phone insurance.
Basic Account
Fee-free no-frills account for customers who cannot qualify for a standard current account. No overdraft and no cheque book.
- Fee-free, no overdraft.
- Contactless Mastercard debit card.
- Use any Lloyds, Halifax or BoS branch.
Club Lloyds in 2026
Club Lloyds is the bank’s flagship rewards programme on the everyday current account. You pay £5 a month (waived on a £2,000+ monthly pay-in) and get an annual lifestyle perk plus tiered credit interest. Each year you pick one perk:
- 12 months of Disney+ Standard With Ads.
- 6 ODEON or Vue cinema tickets.
- Annual Coffee Club & Gourmet Society membership.
- Annual magazine subscription.
Club Lloyds also pays credit interest: 0.75% AER on balances £1–£3,999.99, 3.00% AER on balances £4,000–£5,000, with two or more active direct debits required each month.
Lloyds Premier in 2026
Lloyds Premier costs £15 a month, refunded each month you meet the criteria. Qualify by either:
Qualify by meeting either:
- ●£5,000 or more paid into the account each month.
- ●£100,000 or more in qualifying savings or investments with Lloyds.
Premier bundles the Club Lloyds perk choice with Bupa Family GP & Wellbeing, 1% cashback on most debit-card purchases (capped at £10/month), and a 0.2% discount on Lloyds residential mortgages and remortgages.
Switching to Lloyds: £200 or £500 bonus
Between 24 February and 30 April 2026, Lloyds is running a strong switching offer: £200 for a full Current Account Switch Service move to Club Lloyds, or £500 for a full move to Lloyds Premier. Complete a full CASS switch, move at least three active direct debits, and spend £100 on the new Lloyds debit card within 35 days. Bonus paid within 45 days. You are not eligible if you have had a Lloyds, Halifax or Bank of Scotland switch bonus since 1 January 2023.
Lloyds Bank customer service
Below are the verified Lloyds Bank customer service contact lines. Numbers in Selectra blue are the ones most customers need first; tap any card on mobile to dial directly.
Personal banking (UK)
Account help and general queries
0345 300 0000
Mon–Fri 07:00–20:00, Sat 09:00–14:00
Top lineLost or stolen card (UK)
Block immediately, 24/7
0800 096 9779
24/7
Lost or stolen card (abroad)
Reverse-charge available
+44 1702 278 270
24/7
From abroad
For Lloyds personal customers
+44 1733 347 007
Same UK hours
Business banking
Lloyds Bank Business
0345 072 5555
Business hours
Textphone
For hearing-impaired customers
0345 601 6909
Same UK hours
Complaints and the Financial Ombudsman
Lloyds has up to eight weeks to issue a final response to a complaint. If you are unhappy with the outcome you can escalate to the Financial Ombudsman Service free of charge.
Lloyds Bank FAQ
Yes. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the FCA. Eligible deposits are protected up to £85,000 per person, per institution, by the Financial Services Compensation Scheme.
You must complete a full CASS switch (not a partial one) and you cannot have had a Lloyds, Halifax or Bank of Scotland switch bonus since 1 January 2023. You also need to move three active direct debits and spend £100 on the new debit card within 35 days.
Either pay £5,000 or more into your Premier account each month, or hold £100,000 or more in qualifying savings/investments with Lloyds. The £15 monthly fee is refunded each month you meet the criteria.
Yes. Since early 2025, Lloyds Banking Group has rolled out cross-brand branch service.