Full details and exclusions
Making a claim - All you need to do is call Gold Membership Services on 08458 5050 56.
If you breakdown on the road, call Gold Membership Services on 0800 107 0011
Your insurance, administered by Lifestyle Services Group Limited (LSG) and underwritten by London General Insurance Company Limited, covers one phone for sole Gold Account holders, while joint account holders can insure a phone for each of you.
Registering for Mobile Phone Insurance is recommended as it will simplify the claims process. Call Gold Membership Services on 08458 5050 56 or register online for Mobile Phone Insurance.
Sentinel® Card Protection, provided by Affinion International Limited and underwritten by Allianz Insurance plc, provides cover against Personal Money lost or stolen abroad at the same time as the Cards, and for loss or theft of the handbag, wallet, purse or briefcase containing the Cards lost in an Incident.
This insurance only applies to residents of the UK and will be automatically cancelled if you move permanently outside of the UK.
We recommend you register your cards with Sentinel® Card Protection. Call Gold Membership Services on 08458 5050 56 or register online.
With Save What Matters™ you’ll never need to worry about losing all your contacts, photos, songs or other downloads 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.
You don’t earn interest as standard with your Gold Account. To earn higher rates of interest, add Vantage to your account for free.
When you register for Vantage you can earn interest at no extra cost. You can earn up to 3.00% AER / 2.96% gross variable on balances up to £5,000. All you have to do is:
Interest won’t be paid in any month that you don’t meet the conditions. Interest is not paid on balances over £5,000. You don’t earn interest as standard with your Gold Account. To earn higher rates of interest, add Vantage to your account for free.
|Balance||AER %||Gross %||Net %|
|£3,000 up to £5,000||3.00||2.96||2.37|
These interest rates are correct as at 27/06/2011.
Interest rates are variable. Customers are limited to a total of three Vantage accounts. Interest rates apply to your whole balance. For example, if you have £4,000 in your account you will receive an interest rate of 3.00% AER on your entire balance.
As a Gold Account customer you can add Vantage to your account in Internet Banking.
Whether you want to move to Lloyds TSB or you already bank with us and want to open a new Classic Account, switching is easy. Our dedicated welcome team will do everything they can to help your switch run smoothly, including transferring all your Direct Debits and standing orders to your new account for you.
Switching takes up to 14 days to complete. To take advantage of our switching service apply as normal and select the ‘switching’ option when filling in your application form.
Upgrading your account
If you already have an account with Lloyds TSB and you’re registered for Internet Banking, you can apply to upgrade online - just log on to Internet Banking.
Adding Vantage to your account
You can register for Vantage with your Gold Account through Internet Banking in just a few clicks.
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.
An Added Value Account is a current account that offers a package of additional benefits for a monthly account fee. These accounts typically include travel insurance, AA Breakdown Cover, mobile phone insurance, and card protection policies.
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.
Net rate is the rate of interest the account pays after lower rate tax has been deducted. If you are a non-taxpayer, you can reclaim the tax by completing an HMRC R85 form. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places.
If you’re already registered with Internet Banking
Opening a secondary account
You can apply for a secondary Classic Account in Internet Banking.
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.
Account opening is subject to our assessment of your circumstances. You must be 18 or over and a UK resident to apply. How much we lend (if any) is subject to our assessment of your circumstances. Overdrafts are repayable in full on demand. View Planned Overdraft borrowing interest rates.
For each month that you meet the Vantage conditions, interest is calculated daily on the balance of your account at the relevant Vantage interest rate from the second working day of that month. The interest is paid into your account at the end of the first working day of the next month. AER (Annual Equivalent Rate) – the rate if interest was paid and compounded once a year. Gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law. Rates are correct as at 05/11/2012.
Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service. PhoneBank® is a registered trademark of Lloyds TSB Bank plc. If you need to call us from abroad or prefer not to use our 0845 number, you can also call us on 01733 347233.
Cashpoint is a registered trademark of Lloyds TSB Bank plc.
Save the Change® is a registered trademark of Lloyds TSB Bank plc.
Sentinel® is a trading name and registered trademark of Affinion International Limited.
* This policy is only available to you if you have lived permanently in the United Kingdom for at least 6 months during the 12 month period prior to a trip and are registered with a medical practitioner in the United Kingdom.
** To be eligible for the interest and fee free offer you must be accepted for a Planned Overdraft on your Lloyds TSB account, have not had the offer in the last 12 months on your account, and complete a switcher application to switch your account to Lloyds TSB.
*** We cannot back up videos or music from an iPhone and suggest you use iTunes instead. iPhone and iTunes are trademarks of Apple Inc, registered in the U.S. and other countries.