You are here / Products and services / Current accounts / Added value accounts

Added Value Accounts

Our current accounts are full of benefits

As a Classic or Added Value account customer you can apply to upgrade to one of our Added Value Accounts. Why shop around for travel insurance, breakdown cover and other useful benefits when you can get them all included with your current account? An Added Value Account gives you hassle-free peace of mind, along with the banking expertise you’d expect from Lloyds TSB. And with different levels of benefits you can choose the account that’s right for you.

Silver Account

Perfect for the European Traveller

  • European and UK Travel Insurance for you and your partner.
  • AA Breakdown Cover with Roadside Assistance.
  • Mobile Phone Insurance.
  • More.
  • £9.95 a month

Gold Account

Perfect all round account

  • Worldwide and UK Travel Insurance for you and your partner.
  • AA Breakdown Cover with Roadside Assistance.
  • Mobile Phone Insurance.
  •  More.
  • £12.95 a month.

Platinum Account

Get even more from your account benefits

  • Worldwide and UK Travel Insurance with either Family or Winter sports cover.
  • AA Breakdown Cover with Roadside Assistance, Relay and Home Start.
  • Mobile Phone Insurance.
  • More.
  • £17 a month

Premier Account

Our most comprehensive account

  • Worldwide and UK Travel Insurance with Family and Winter sports cover.
  • AA Breakdown Cover with Roadside Assistance, Home Start, Relay and Stay Mobile.
  • Mobile Phone Insurance.
  • AA Home Emergency Cover.
  • £500 Interest and fee-free Planned Overdraft (subject to application and approval).
  • ID Aware.
  • £25 a month

Vantage

Make your money work harder for you by adding Vantage to our Classic or Added Value current accounts. Vantage offers competitive, tiered interest rates – from 1.50% AER/ 1.49% GROSS variable on balances from £1 to £999.99 and go up to 3.00% AER/ 2.96% GROSS variable on balances of £3,000 to £5,000.

If you’re thinking of applying for an added value account see what you can get.

AXA Travel Insurance

Get travel insurance that covers you for as long as your Added Value Account is active, giving you reassurance whilst you're away on holiday.

AXA Travel Insurance

AA Breakdown Cover

As an Added Value Account customer you get the advantages of AA Breakdown Cover included as part of your account. You don’t have to worry about remembering to renew your cover – it will be renewed automatically each year, as long as your Added Value Account is active. And you’re protected whether you’re in your own car or someone else’s.

AA Breakdown Cover

Mobile Phone Insurance

Your Mobile phone insurance is arranged by Lifestyle Services Group Limited and is covered in the UK and abroad for loss, theft, damage (including accidental), electrical or mechanical breakdown and airtime abuse.


Mobile Phone Insurance

Sentinel® Card Protection

Help, if your credit, debit or store cards are lost or stolen. One membership covers everyone in your household.

Sentinel® Card Protection

Save What Matters™

With Save What Matters™ you’ll never need to worry about losing your contacts, photos or songs on your mobile phone. If you change your phone, lose it, damage it or it gets stolen, you’ll be able to get all your details back again.


Save What Matters™

Services with our current accounts

View all Current Account servicesSee our current accounts

Accounts no longer on sale

See benefits and details relating to the Select Account

Personal review

Come into a branch for a review to help manage and get the most out of our money.

Glossary

Account balance

The amount of money you have in your account at a particular time.

Sometimes a balance given by a bank will include payments that have been made to your account, but are not yet available because they haven’t cleared. This means that the money has not been received by the bank and is not available to spend. The money that you can spend is sometimes called your available funds or available balance.

Added Value Account

An Added Value Account is a packaged current account that offers additional features and benefits at a discounted price for a monthly fee. These benefits typically include annual travel insurance, AA breakdown cover, mobile phone insurance, card protection, overdraft benefits and extra savings off your holidays. The benefits will depend upon the package you choose to upgrade to.

AER

AER means Annual Equivalent Rate. It’s an easy way of comparing different interest rate offers. It illustrates what the interest rate would be if interest was paid and compounded each year.

Gross Rate

Gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.

Important legal information

 

Lloyds TSB Bank plc and Lloyds TSB Scotland plc are authorised and regulated by the Financial Services Authority except for lending where we are licensed by The Office of Fair Trading. FSA authorisation can be checked on the FSA’s Register at: www.fsa.gov.uk/register. Lloyds TSB Bank plc and Lloyds TSB Scotland plc are members of the Financial Services Compensation Scheme and the Financial Ombudsman Service. We subscribe to the Lending Code; copies of the Code can be obtained from www.lendingstandardsboard.org.uk.

Lloyds TSB Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds TSB Scotland plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237.

Save the Change® is a registered trademark of Lloyds TSB Bank Plc.

Money Manager is provided to help you manage your personal finances and is not intended to provide legal, tax or financial advice. You must be registered for Internet Banking.