Savings accounts

From the big things to the small things, we can help you save.

We can help you reach your savings goals with our large range of savings accounts. Whatever you are looking for in a savings account, we have the right home for your money.

Quick links	Useful information
Instant access	Advice on savings goals
Tax free ISAs	Compare savings accounts
Fixed term savings	Savings calculator
Children's savings	Savings rates

Instant access savings accounts

Looking to save but want flexible access to your money? We've got a range of instant access accounts to choose from.

eSavings Account
Instant online access savings account offering one of our most competitive variable interest rates. Open an account online in just a few clicks.

Minimum opening deposit	Interest Rate up to
£1	2.50% AER /Gross*	Apply online

Easy Saver
A simple savings account that tracks changes in the Bank of England base rate. Open an account online in just a few clicks.

Minimum opening deposit	Interest Rate up to
£1	1.60% AER ‡	Apply online

Monthly Saver
A simple way to start saving regularly from £25 to £250 a month. Benefit from a fixed rate of interest for one year.

Minimum opening deposit	Interest Rate up to
£25	2.00% AER	Apply by phone

Advantage Saver
Exclusive to Silver, Gold, Platinum or Premier current account holders offering you instant access to your money.

Minimum opening deposit	Interest Rate up to
£1	1.80% AER/Gross†	Apply by phone

Tax free ISAs

Individual Savings Accounts (ISAs) are a great way to make the most of your savings as you don't pay tax on your interest.

Cash ISA Saver
Make the most of your tax-free savings allowance with easy access to your savings when you need them. Open an account online in just a few clicks.

Minimum opening deposit	Interest Rate up to
£1	2.35% AER**	Apply online

Two Year Fixed Rate Cash ISA
Get more from your tax-free savings by moving your current ISA to a Fixed Rate Cash ISA. Interest rate is fixed for 24 months from account opening.

Minimum opening deposit	Interest Rate up to
£3,000	2.90% AER/Tax Free*	Apply online

Fixed term savings

Our fixed rate savings accounts reward you with higher rates of interest for putting your money away for longer.

eBond
Lock your money away for 3 years with a fixed rate ebond, and let your money do the hard work. Choose when and where to have your interest paid; to supplement your income or into another savings account.

Minimum opening deposit	Interest Rate up to
£2,000	3.75%	Apply online

Term Deposit
Put your money away for six months or for up to 3 years and know exactly how much you'll get back and when you'll get it.

Minimum opening deposit	Interest Rate up to
£2,000	3.75% AER	Apply by phone or in branch

Lend a Hand
Use your savings to help your children onto the property ladder. With a Lend a Hand mortgage you can use your savings as additional security for your children’s mortgage, and keep earning interest as you do.

Children's savings

It's never too early to start saving! We have a range of children's savings options to help your little ones get started.

Young Saver
Parents, grandparents, guardians or other family members can build up savings for a child and teach them about money.

Minimum opening deposit	Interest Rate up to
£1	0.50% AER	Apply in branch

Save the Change®
With Save the Change, every time you use your Lloyds TSB VISA debit card, we round up the amount you spend to the next pound and transfer the difference into a Lloyds TSB savings account.

Joint Savings account
Joint savings accounts can help you save towards your shared goals such as holidays, a large purchase, or even a deposit on a house.

Save the Change® is a registered trademark of Lloyds TSB Bank plc.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. As every advertisement for a savings product, which quotes an interest rate, will contain an AER you will be able to compare more easily what return you can expect from your savings over time. Gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.
* Includes an introductory bonus of 1.50% AER/Gross, payable for 12 months from the date of account opening.
** Interest is paid yearly. Tax rules may change. Tax-free is the contractual rate of interest payable where interest is exempt from income tax.

##Your bonus will depend on which current account you hold. Bonuses are paid on all new accounts.

† includes a six month introductory bonus of 0.75% Gross/0.375% AER.

‡ Guaranteed to track no lower than 1.50% AER below the Bank of England base rate until 31 December 2010.

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Savings accounts