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 which may enable you to meet your monthly loan repayments in the event of your unemployment, accident or sickness,
- a debit card and a Classic credit card with a limit of at least £500,
- access to our PhoneBank® and Internet Banking services 24 hours a day, 7 days a week. Our Mobile Services can help you keep in control of your finances from your phone for £2.50 a month,
- commission-free foreign currency and non-sterling travellers cheques plus free Lonely Planet Mini Guides to a variety of destinations.
Important information about your account
Full benefits
- You can apply for an interest-free Planned Overdraft (subject to application and approval), of up to £2,000 in the first year after you graduate. In your second year, your interest-free Planned Overdraft limit will be £1,500 and in your third year it will be £1,000.
- Graduate loan. As you settle into your new life, you might find that you need to budget for a major expense, such as a car, or some extra furniture to make a new flat feel like home. Our Graduate loan could help.
- Debit Card. You don’t always want to carry lots of cash when you’re out shopping or meeting up with friends. Instead, you can use your Lloyds TSB Visa debit card to pay directly from your account.
- Credit cards. If you want to spread the cost of things you need to buy now, you can apply for a Lloyds TSB credit card. And because our cards are accepted in shops, restaurant and hotels around the world, they’re also ideal if you decide to travel.
- PhoneBank®** and Internet Banking. Quick and easy ways to manage your accounts 24 hours a day, 7 days a week. It’s secure and let’s you do your banking whenever it suits you.
- Mobile Banking. Our mobile banking pack enables you to use your phone to help keep you in control of your finances. It costs £2.50 a month with your Graduate Account.
- Free Text Alerts. Sign up to help you keep in touch with your money wherever you are.
- Save the Change™. Sign up and every time you make a purchase with your Lloyds TSB Visa debit card, we’ll round up the amount you've spent to the nearest pound and transfer the difference from your current account into your nominated savings account.
- Mobile top ups. To make life easier, you can use our top up service for “Pay as you go” mobile phones, available at over 4,200 Lloyds TSB Cashpoint machines.
- Commission-free foreign currency and non-sterling travellers cheques plus free Lonely Planet Mini Guides to a variety of destinations.
- Travel money options. Your Lloyds TSB Visa debit card gives you a safe and convenient way to pay for things when abroad.
Important information about your account
Useful tools
What's my monthly budget?
Use our budget calculator to help manage your money.
Be a savvy saver
Over 100 savvy saver tips that could help you cut your spending, as well as views from our experts on how to make the most of your money.
Advice and Guidance
Choose from one of our quick guides designed to help you deal with financial challenges and manage your money better.
Save the Change™
Sign up and every time you make a purchase with your Lloyds TSB Visa debit card, we'll round up the amount you spent to the nearest pound and transfer the difference from your current account into your nominated savings account.
Graduate loan
9.9% APR typical on loans of £5,000 to £10,000 for up to 5 years*.
How to apply for a Graduate Account 
How to 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.
Important information about your account
