Help & Assistance
New customers
We make switching easy.
Current accounts
Take a look at all the things that make our current accounts smarter.
Current account interest rates
Online Help
Ask a question about any of our current accounts.
Adding Vantage to your Classic or Added Value Account is a smart way to get more from your current account. As long as you pay in at least £1,000 a month and stay in credit, you’ll earn tiered variable interest on your whole balance up to £5,000. |
Vantage offers competitive, tiered interest rates, so the more money you have in your account the more interest you could receive on balances up to £5,000. You could earn up to £148 a year †.
View Vantage interest rates.
New Customers
Switching to us is easier
If you're new to Lloyds TSB, find out more about how we make switching to us hassle-free.
Online
Fill in our simple online application form. If you’re not sure which account is for you compare our accounts.
If you already know which one is right for you...
Premier Account with Vantage 
Existing Customers
Upgrade your account at no extra cost. If you’re registered for Internet Banking, adding Vantage is easy and hassle-free - just log on to Internet Banking.
New Customers
Online
Applying online only takes about 10 minutes and you’ll need to have a few bits of information to hand:
If you’re not sure which account is right for you -
compare our accounts. If you already know which one you want just click on one of the links below:
Classic Account with Vantage
Silver Account with Vantage
Gold Account with Vantage
Platinum Account with Vantage
Premier Account with Vantage
Customers are limited to a total of 3 Vantage Accounts.
In branch
Visit your nearest branch.
By phone
Call 0800 015 4000. Open Mon - Fri 8am – 10pm, Sat & Sun 8am – 6pm.
Existing Customers
Online
Upgrade your account at no extra cost. If you already have an account with Lloyds TSB and you’re registered for
Internet Banking, adding Vantage is easy and hassle free.
In branch
Visit your nearest branch.
By phone
Call 0800 015 0162. Open Mon - Fri 8am – 10pm, Sat & Sun 8am – 6pm.
| Balance | Interest Paid Monthly | ||
|---|---|---|---|
| AER % | Gross % | Net % | |
| £1+ | 1.50 | 1.49 | 1.19 |
| £1,000+ | 2.00 | 1.98 | 1.59 |
| £3,000 up to £5,000 | 3.00 | 2.96 | 2.37 |
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:
Please note. We do not pay interest on amounts above £5,000.
You can add Vantage to a range of current accounts: Classic, Silver, Gold, Platinum and Premier accounts via branch, PhoneBank® or Internet Banking (if you’re registered).
For more information about Vantage including conditions that apply see Vantage.
Account opening is subject to our assessment of your circumstances. You must be 18 or over to apply.
For each month that you meet the Vantage conditions, interest is calculated daily on the balance of your account at the relevant Vantage interest rate from the second working day of that month. The interest is paid into your account at the end of the first working day of the next month. Rates are correct as at 27 June 2011. 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. Net rate is the rate of interest which would be payable after allowing for the deduction of income tax at the rate specified by law.
*To earn Vantage interest you must pay in at least £1,000 each calendar month (for example, your salary) and stay in credit during your monthly billing period. In months you don’t meet these conditions, you won’t earn interest that month. There is no interest on any amount over £5,000.
† To earn £148 a year, you need to keep a daily balance of £5,000 each calendar month for 12 months and meet the conditions of the account.
If you have a speech impairment and would prefer to use a textphone, please contact us on 0845 300 2281 or via RNID Typetalk. 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.
