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Join the bank that’s with you for the journey |
We’ll text you when you’re close to your account limit
To make life even easier, you can sign up for our Mobile Banking for free and if your balance gets close to or over your account limit we’ll send you a text. And you can also get your account balance and last six transactions texted to you for free every week to help you keep an eye on your money. We won't charge you for Mobile Banking, but your mobile operator may charge for some services. Please check with them.
We have a £10 overdraft buffer
If you use £10 or less of a Planned or an Unplanned Overdraft, you won’t pay any overdraft fees or interest.
If you go overdrawn our Grace Period gives you a little bit of breathing space
If your account goes over its limit, our Grace Period means that you have until 3.30pm (UK Time) to pay in enough money to avoid any overdraft fees you may incur that day. The money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Mobile Banking, Internet Banking or Telephone Banking or pay in cash over the counter in branch.
We have more branches than any other bank
Lots of people prefer to do their banking face-to-face instead of online or over the phone. Which is one of the reasons why we’ve made sure you’re never too far from one of our branches.
You can access your money 24/7
With Internet Banking you can keep an eye on your finances whenever you like, 24 hours a day, 7 days a week. Not only that, you can pay bills, view your statement, you can apply for products, manage your overdraft or even upgrade your account online. See what you can do online with our Internet Banking demo.
Change the way you look at your money
Money Manager is a free, easy-to-use Internet Banking service that introduces a new way of keeping track of your money across your Lloyds TSB personal current and credit card accounts.
It automatically breaks down most of your spending into meaningful categories, such as entertainment, food and travel, using easy-to-read graphs that give you a fuller picture of where your money goes.
You can call your local branch direct
Sometimes it’s so much nicer to be able to call your local branch direct without having to go through a long-winded process.
Our PhoneBank® staff are all here in the UK
You can call our PhoneBank® team at any time of day, 7 days a week. And as they’re all based in the UK, you can check your balance, order travel money or even pay your bills whenever you like.
We've made it easy to switch
If you have a current account with another bank our dedicated Switching Team, can help to move your bank account to us. We can transfer all your Direct Debits and standing orders to your new account as part of your application. More about switching.
We offer a range of helpful, impartial advice and guidance
You can find straight-forward financial information on everything from budgeting and savings advice, to managing debt and mortgages. Whatever your situation, there’s a guide that can help you sort out your finances and make life a little easier. Browse our guides.
It only takes around 10 minutes to apply and we can transfer all your Direct Debits and standing orders for you.
Choose from a wide range of bank accounts that offer a variety of extra benefits - including Vantage, which provides one of the most competitive bank account interest rates available from a high street or Internet bank.
Account | |
|---|---|
 | Classic Account Our Classic Account will give you all you need to make everyday banking easier. Get free banking with no charge for everyday transactions when you’re in credit. |
| | Silver account Get benefits worth up to £268 a year including European Travel Insurance (up to 65 years), AA Breakdown Cover, International Mobile Phone Insurance and lots more. All this for just £9.95 a month. |
 | Gold Account Great money saving benefits worth £455 a year, including Worldwide and UK Travel Insurance for you and your partner, AA Breakdown Cover, Mobile Phone Insurance and much more. All this for just £12.95 a month. |
 | Platinum Account The Platinum Account provides you with extensive levels of cover and protection. Enjoy a wide range of money saving benefits from household names such as AXA and the AA. With a monthly fee of £17 your benefits are worth up to £717 a year. |
 | Premier Accounts The Premier Account is the very best current account that we offer. In fact, it's so good it's been awarded a 5 Star rating from Defaqto - leading independent financial researchers. The Premier Account includes a wide range of benefits worth up to £1,116 a year for a monthly fee of £25. |
Not sure which account is best for you? Compare our accounts.
New customers
Online
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.
Find out more about our Classic Account. 
Find out more about our Silver account.
Find out more about our Gold Account.
Find out more about our Platinum Account.
Find out more about our Premier Accounts.
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.
Calls may be recorded or monitored.
PhoneBank® is a registered trademark of Lloyds TSB Bank plc.
Account opening is subject to our assessment of your circumstances; you must be 18 or over to apply. All overdrafts are subject to application and approval. Overdrafts are also repayable on demand.
