Our Classic Account has been awarded the top 5 Star rating by Defaqto# for its excellent range of features and benefits it offers.
Alternatively...
Looking to get more from your current account?
Silver Account
Get benefits worth up to £437 a year for a monthly fee of £7.95.
Gold Account
Get all the benefits of Silver but with Worldwide travel insurance.
Our free Classic Account will give you all you need to make everyday banking easier. It comes packed with great features to help you make the most of your money. Manage your money 24 hours a day, 7 days a week. And if you add Vantage to your account, you could get one of the best current account credit interest rates available on the high street. |
Online - New Customers
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.
Online - Existing Customers
If you already have an account with us, you can apply for an additional account online through Internet Banking.
Apply for an additional Classic Account 
Please note, from 2 December 2010 we’ll be making some changes to our current accounts. These include changes to our terms and conditions.
If you pay in £1000 a month or more, you can add Vantage or Plus to your Classic Account for free.
With Vantage you get up to 4.00% AER (3.93% Gross) for balances from £5,000 up to £7,000 paid monthly to supplement your income. All you need to do is, stay in credit during the month, and pay in at least £1,000, for example your salary, each month.
You’ll earn the standard interest rate for your account when you don’t meet the Vantage conditions and on any money in your account from £7,000 onwards.
| Balance | Interest Paid Monthly | ||
|---|---|---|---|
| AER % | Gross % | Net % | |
| £1+ | 0.10 | 0.10 | 0.08 |
| £1,000+ | 2.00 | 1.98 | 1.59 |
| £3,000+ | 3.00 | 2.96 | 2.37 |
| £5,000 up to £7,000 | 4.00 | 3.93 | 3.14 |
If you use an overdraft and don't keep much money in your current account, then add plus to your account and get 2.5% AER (2.46% Gross) on balances up to £2,500. As with Vantage, all you need to do is pay in £1,000 a month.
| Balance | Interest Paid Monthly | ||
|---|---|---|---|
| AER % | Gross % | Net % | |
| £0 - £2,500 | 2.50 | 2.47 | 1.98 |
Apply for a Classic Account with Plus
Please note, from 2 December 2010 we’ll be making some changes to our current accounts. These include changes to our terms and conditions.
Online
If you’re new to Lloyds TSB fill in our simple online application form.
Apply for a Classic Account with Vantage
Apply for a Classic Plus Account
It takes about 10 minutes and you’ll need to have a few bits of information to hand.
In branch
Visit your local branch. You’ll need to take some proof of identity with you. Find out what to take.
By phone
Call 0800 015 4000. Open Mon - Fri 8am - 8pm, Sat & Sun 9am - 5pm.
Adding Vantage to your account
If you already have an account with Lloyds TSB and you’re registered for Internet Banking adding Vantage is easy and hassle free - just log on to Internet Banking and click on the upgrade link next to your account name.
Opening an additional account
You can apply for an additional Classic Account online through Internet Banking, perfect for budgeting or making into a joint account.
Apply for an additional Classic Account
Classic Account important information
Please note: From 3 August 2010 Mobile Banking will be free† with all our current accounts (previously £2.50 per month for most accounts). Find out more and how you can register.
† We don't charge for Mobile Banking, but your mobile phone operator may charge for some services. Please check with them.
Personal Banking terms and conditions
Please note, from 2 December 2010 we’ll be making some changes to our current accounts. These include changes to our terms and conditions.
As a Classic Account customer you can take advantage of the many Lloyds TSB services that we have on offer.
Switch your bank account to us – If you have an account with another bank, we can transfer all your Direct Debits and standing orders to your new Classic account. All you need to do is complete our simple online form.
Transfer online
We’ve designed an add-on for the Classic Account that’s all about making it easier for you to manage your money. It’s called Control, for £10 a month it can help you stay on top of your finances and avoid Unplanned Overdraft borrowing.
There are many ways to bank with Lloyds TSB, which helps you manage your accounts anytime and anywhere.
Not yet a customer?
Ways to apply for a Classic Account 
Please note, from 2 December 2010 we’ll be making some changes to our current accounts. These include changes to our terms and conditions.
Account opening is subject to our assessment of your circumstances. You must be 18 or over to apply.
Interest paid monthly. 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.
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.
Save the Change® is a registered trademark of Lloyds TSB Bank plc.
* GfK FRS 6 months ending March 2010 based on all current accounts.
** Applies to personal current accounts paying interest, on cheques up to £1,000 a day paid over the counter at Lloyds TSB branches, 9am-4.30pm on weekdays.
#Defaqto is a leading UK independent financial data collection and research company, which provides comprehensive product information for the financial services industry. Source: Defaqto July 2010.
