Gold Account

• AXA Worldwide and UK Travel Insurance worth up to £281 a year* - cover for you and your partner for up to 31 days per trip.
• Mobile Phone Insurance worth up to £83 a year - worldwide cover for loss, theft, breakdown, accidental damage and unauthorised calls.
• AA Breakdown Cover worth up to £59 a year - roadside assistance whether you're in your own car or someone else's.
• Save What Matters™ worth up to £20 a year - securely store the data on your mobile phone – including contacts and photos.
• Get 3.00% AER variable (2.96% Gross) interest paid monthly for balances from £3,000 up to £5,000 on your Gold Account by adding Vantage to your account.
• £100 interest-free planned overdraft**. (Subject to application and approval).
• £10 overdraft buffer. No overdraft fees or interest to pay if you go overdrawn (either Planned or Unplanned) by £10 or less.
• Grace period if you go over your limit. You have until 3.30pm (UK Time) to pay in enough money to avoid any overdraft fees you may incur that day.
• Sentinel® Card Protection worth up to £20 a year - Help, if your credit, debit or store cards are lost or stolen. One membership covers everyone in your household.
  
  For Gold Accounts opened from the 24th March 2012, Sentinel® Card Protection does not provide cover against the unauthorised and fraudulent use of cards.
  
  But don’t worry, if you are the victim of card fraud you should be covered by the bank who issued your card. Your level of fraud cover may differ between card issuers. So if you’re in doubt, contact your card issuer directly. All of the other Sentinel® Card Protection benefits on the Gold Account will remain the same. For more information please refer to our full details and exclusions.
  
• A VISA debit card you can use in over 500,000 places in the UK and 18 million outlets worldwide.
• 24 hour banking with access to PhoneBank® on
  0845 3 000 000, Internet Banking and Mobile Banking.

Not sure a Gold Account is right for you? Compare Accounts  

Introductory offer: Apply or upgrade your existing account and get Gold for just £9.95 a month for the first two full months after which the standard monthly fee of £12.95 applies. We reserve the right to remove this offer at any time.

Existing customers
Upgrade your account online in just a few clicks through
Internet Banking.

New customers
If you’re new to Lloyds TSB simply complete the online application form, it takes less than 10 minutes.

Find out other ways to apply

Important Information

Gold Account important information, features and benefits

Personal Banking terms and conditions

Banking Charges Guide

With Vantage you get up to 3.00% AER variable (2.96% Gross) interest for balances from £3,000 up to £5,000 paid monthly to supplement your income. All you need to do is, stay in credit during the monthly billing period, and pay in at least £1,000, for example your salary, each calendar month. Interest won’t be paid in any month when you don’t meet the Vantage conditions or on any money in your account above £5,000. Vantage Interest rates are tiered on balances up to £5,000 when you meet the Vantage conditions.

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.

Vantage Interest rates are tiered on balances up to £5,000. To get interest paid each month, all you need to do is:

• pay at least £1,000 into your account during the calendar month, and
• keep your account in credit during the monthly billing period.

Please note. We do not pay interest on amounts above £5,000.

View Gold Account charges.

Apply for a Gold Account with Vantage 

Already have a Gold Account?

You can add Vantage to your Gold Account by upgrading through Internet Banking.

Introductory offer: Apply or upgrade your existing account and recieve the great benefits above. The monthly account fee for a Gold Account is just £9.95 a month for the first two full months. The standard monthly fee of £12.95 a month applies after that.†

New customers.

 Online
If you’re new to Lloyds TSB fill in our simple online application form. It takes about 10 minutes and you’ll need to have a few bits of information to hand.

Apply for a Gold Account                        

Apply for a Gold Account with Vantage 

Existing customers.
If you already have an account with Lloyds TSB and you’re registered for Internet Banking, upgrading your account or adding Vantage is easy and hassle free – just log on to Internet Banking. 

If you would like to open an additional account with us, you can apply for a Classic Account online through Internet Banking and upgrade to a Gold Account at a later date.

 In branch
Visit your nearest branch. You’ll need to take some proof of identity with you. Find out what to take.

 By phone 
Call 0800 015 0162.  Open Mon - Fri  8am – 10pm, Sat & Sun 8am – 6pm.

Gold Account important information, features and benefits

Banking Charges Guide

Personal Banking terms and conditions

† We reserve the right to remove this offer at any time.

Thank you for opening a Gold Account with us. We look forward to helping you make the most of the outstanding range of benefits available to you.
Your Gold Account automatically comes with:

• Worldwide Travel Insurance - for you and your partner. If you or anyone covered under the policy has any existing medical conditions, and you wish to apply for cover for these conditions, please give us a call.
  Making a claim could not be easier. All you need to do is telephone the dedicated claims team. If you are abroad and in need of assistance then please contact our 24 hour assistance helpline.
• AA Breakdown Cover - You are automatically covered for AA Roadside Assistance.

• Switch your bank account to us – If you have an account with another bank, we can help transfer all your Direct Debits and standing orders to your new Gold Account. All you need to do is complete our simple online form.
  Transfer online

Registering for Mobile Phone Insurance and Sentinel® Card Protection is recommended as it will simplify the claims process. Call the Gold Membership Services on
08458 50 50 56 or register online for:

• Register for Mobile Phone Insurance 
• Register for Save What Matters™ service 
• Register for Sentinel® Card Protection 

Gold Account important information
For full details of your account and benefits policies view our 
Gold Account Welcome Pack.
Banking Charges Guide

Personal Banking terms and conditions

Wherever life decides to take you, your Gold Account will be there to help. Whether you’re at home, on the move or at work, you can be flexible about how you bank with us – on the phone, face to face or over the internet.

• Internet Banking - a free service where you can pay bills, transfer money and set up standing orders. Try our 
  Interactive demo.
• Self-Service - take advantage of our Self Service to help manage your account.
• PhoneBank® - call 0845 3 000 000 24/7 for all your banking needs.
• Mobile Banking - helps you to keep control of your finances when you're on the move. Access your UK personal current, savings and credit card accounts via our Mobile Banking app or via your mobile browser. You can also sign up for Text Alerts to help you keep an eye on your balance. We don't charge you to use Mobile Banking, but your mobile operator may charge for some services, so please check this with them.
• You need to register for Internet, PhoneBank®  and Mobile Banking. Terms and conditions apply.
• Find a Branch or a Cashpoint® - need to locate a Branch or Cashpoint®.

Apply or upgrade to a Gold Account