Graduate account

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Work out how much you’ve got coming in and going out each month.

Up to 5.00 AER/Gross. Savings with a suprisingly big return.
As a graduate you need an account that gives you the time to find your feet. Our Graduate account offers free banking, an interest-free overdraft and a dedicated telephone team to help with your banking queries.
Interest-free overdraft
Low cost Graduate Loan
Classic credit card
Apply for a Graduate account at your local branch.
Graduate account important information
Features & Benefits
- an interest-free overdraft* of up to £2,000 in your first year after graduation, £1,500 in the second year and £1,000 in the third year,
- a low cost loan of up to £10,000 with the added option of our loan protection in case you can't make the payments,
- a Classic credit card with a limit of at least £500,
- Internet banking service,
- Commission free travel money.
If you are continuing your education with a recognised institution for professions such as doctor, dentist, lawyer or accountant, you should take a look at our Further Education loan.
View Graduate account interest rates and charges.
View Graduate account FAQ's.
How do I apply?
To apply for the Graduate account you must:
- be a permanent UK resident and have confirmation of graduation,
- have graduated within the last 3 years with a degree from a UK based university,
- transfer your current account from your existing bank if you're not already a Lloyds TSB customer,
- pay at least £500 into your account per month (if you are moving your account to us).
You'll need to provide:
- a 10 year passport or driving licence and proof of graduation,
- an existing bank statement or copy of a utility bill dated within the last 3 months,
- bank statements from the past 6 months and evidence of overdraft limit set,
- your current debit card and letter of employment confirming your income (if this isn't included on the statements).
If you don't have a copy of any of these documents, or have any questions, call us on 0845 300 0134 between 9am and 7pm Monday to Friday.
Apply at your local branch
Visit your local branch, and we'll open the account for you.



