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Graduate Account

Let us help you

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 (Subject to application and approval)

Low cost Graduate Loan

Classic credit card

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 foreign currency and non-sterling travellers cheques plus free Lonely Planet Mini Guides to a variety of destinations.

View Graduate Account interest rates and charges.

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.

 

* Subject to status.
** PhoneBank® is a registered trademark of Lloyds TSB Bank plc. 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.